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HTH

Hilltop Holdings Inc.
$37.28
+2.14% Oct 22 close
FinancialsS&P 600 CompareTechnicals
-5%+3%+12%+20%+28%Oct 2025Oct 2026Apr 202652w high $40.4152w low $31.75
HTHSPY
1W
+1.4%
1M
-2.9%
3M
-1.2%
6M
-0.7%
YTD
+11.6%
1Y
+16.9%

Live chart

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What they do

Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit.

Financial Services · Financial Conglomerates

For information only · Important disclosures

Grades vs sector

Momentum
63rd percentile in sector
B-
12-1 return: +19.1%
Percentile within its GICS sector across the S&P 1500.
Growth
25th percentile in sector
D+
Revenue growth (YoY): +5.2%
Percentile within its GICS sector across the S&P 1500.
Value
18th percentile in sector
D
Forward E/P: 6.7% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.
Profitability
21st percentile in sector
D
Profit margin: +12.7% · Return on equity: +7.6%
Percentile within its GICS sector across the S&P 1500.
Revisions
Not enough data yet
–
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Systematic Models

Not held by any of our 5 live models right now.

Quality Growth
Outside this model's universe or screens
Momentum Top 15
Outside this model's universe or screens
Momentum Blend
Not in the current book
New Highs Growth
Outside this model's universe or screens
Coteau Long Book
Not in the current book

News

More news
Hilltop Holdings Inc. (HTH) files 8-K: Reg FD disclosure
SEC 8-K · 17h ago
Hilltop Holdings Inc. (HTH) files 8-K: results, other event
SEC 8-K · 17h ago

Key stats

Market value$2.1B
P/E (last 12 months)13.8
P/E (next 12 months, estimated)15.1
52-week range$31.75 – $40.41
Revenue growth (latest quarter vs a year ago)+5.2%
Dividend yield2.19%
Average analyst price target$41.00 (+10%)
Valuation and fundamentals

Valuation & fundamentals

Bottom line
No cash-flow valuation
Model read-out from the numbers below, not advice. Score -1 (DCF counts double).
▼Forward P/E vs sector15.1x vs median 10.2x
•Piotroski F-score4/9
•Analyst target+10% (3 analysts)

Discounted cash flow

Trailing free cash flow is negative or missing, so a cash-flow DCF isn't meaningful by default. You can enter your own assumptions below.
Reverse DCFfor context, not a signal
Not meaningful for regional banks: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2012-09-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.89 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)
sector median 13.0× · 57th pct
13.8×
pricier
Forward P/E
sector median 10.2× · 83rd pct
15.1×
pricier
EV / EBITDA
sector median 10.9×
–
Price / sales
sector median 2.8× · 86th pct
13.0×
pricier
Price / book
sector median 1.6× · 17th pct
1.0×
cheaper
FCF yield
sector median 8.2% · 5th pct
-4.4%
pricier

Forward EPS $2.48 vs trailing $2.70 (-8% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin
–
Operating margin
–
FCF margin
-57.5%
Net margin
98.2%
Return on equity
7.6%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
-0.6×
Piotroski F-score 4/9 · last two fiscal years
✓ Positive net income✗ Positive operating cash flow✓ Return on assets improved✗ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved

Analysts

Mean target
$41
+10%
Analysts
3
None
Range
$40–$42
low – high
● price · ◆ mean target

Annual history

FYRevenueNet incomeFree cash flow
2011$152.2M––
2010$131.7M––
2009$128.8M––

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR –.

Earnings

Next report: –
24-1025-0125-0425-0725-1026-0126-0426-070.000.74
EstimateActual (beat)Actual (miss)
ReportEPS estActualSurprise
2026-07-230.490.63+28.6%
2026-04-230.490.64+30.6%
2026-01-290.350.69+99.0%
2025-10-230.510.74+46.5%
2025-07-240.410.41+1.6%
2025-04-240.270.21-22.2%
2025-01-300.280.55+96.4%
2024-10-240.370.46+25.2%

Quarterly revenue

QuarterRevenueYoY
2026-06-30$315.8M+4.1%
2026-03-31$300.5M–
2025-12-31$267.8M–
2025-09-30$330.2M–
2025-06-30$303.3M–
Rating changes
Downgrade
2026-10-06 · Raymond James downgraded HTH from Market Perform to Underperform
Reiterated
2026-08-05 · Keefe, Bruyette & Woods reiterated Market Perform on HTH
Reiterated
2026-02-03 · Keefe, Bruyette & Woods reiterated Market Perform on HTH
Reiterated
2025-10-27 · Stephens & Co. reiterated Equal-Weight on HTH
Reiterated
2025-04-30 · Keefe, Bruyette & Woods reiterated Market Perform on HTH
Reiterated
2025-02-03 · Keefe, Bruyette & Woods reiterated Market Perform on HTH

Third-party analyst actions, not Coteau's views. All rating changes

Recent dividends

2026-08-07: $0.220 · 2026-05-08: $0.200 · 2026-02-13: $0.200 · 2025-11-07: $0.180 · 2025-08-15: $0.180 · 2025-05-08: $0.180 · 2025-02-13: $0.180 · 2024-11-08: $0.170
Insider trades
Bobbitt Rhodes R
Director · 2026-08-24
Sell
$194.0K
Bobbitt Rhodes R
Director · 2026-08-21
Sell
$194.0K
Bobbitt Rhodes R
Director · 2026-08-14
Sell
$398.0K
Bobbitt Rhodes R
Director · 2026-08-13
Sell
$395.0K
Bobbitt Rhodes R
Director · 2026-08-05
Sell
$18.3K
Bobbitt Rhodes R
Director · 2026-08-04
Sell
$402.5K
Bobbitt Rhodes R
Director · 2026-08-04
Sell
$400.0K
Bobbitt Rhodes R
Director · 2026-08-03
Sell
$484.0K
None
None · None
Sell
–
None
None · None
Sell
–
None
None · None
Sell
–
None
None · None
Sell
–

Stats refreshed 2026-10-22 20:19:45 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

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Independent research · Not investment advice · Hypothetical unless marked Live · Data: Yahoo Finance (15-min delayed), SEC EDGAR, House Clerk · Important disclosures · Contact desk@coteau.app

Beta 0.9 · Oct 21, 2026