A Business at a Glance
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Hilltop Holdings Inc.
HTH
$2.5B
Mkt Cap
$39.08
+3.00%
Hilltop Holdings Inc. (HTH) has a current P/E ratio of 14.8, compared to its historical median P/E of 14.6. The stock is currently considered Fair based on its historical valuation range.
Hilltop Holdings Inc. (HTH) has a 5-year average return on invested capital (ROIC) of 5.4%. This is below average and may indicate limited pricing power.
Hilltop Holdings Inc. (HTH) has a market capitalization of $2.3B. It is classified as a mid-cap stock.
Yes, Hilltop Holdings Inc. (HTH) pays a dividend with a trailing twelve-month yield of 1.99%. The company also returns capital through share buybacks, with a buyback yield of 8.67%.
Based on historical P/E analysis, Hilltop Holdings Inc. (HTH) appears fair. The current P/E of 14.8 is 2% above its historical median of 14.6. The estimated fair value CAGR (P/E method) is -6.4%.
Hilltop Holdings Inc. (HTH) operates in the State Commercial Banks industry, within the Financials sector.
Hilltop Holdings Inc. (HTH) reported annual revenue of $1.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
Hilltop Holdings Inc. is a diversified, Texas-based financial holding company incorporated in Maryland and registered under the Bank Holding Company Act of 1956, as amended (the “Bank Holding Company Act”). Our primary line of business is to provide business and consumer banking services from offices located throughout Texas through the Bank. We also provide an array of financial products and services through our broker-dealer and mortgage origination segments. We endeavor to build and maintain a strong financial services company through organic growth as well as acquisitions, which we may make using available capital, excess liquidity and, if necessary or appropriate, additional equity or debt financing sources. The following includes additional details regarding the financial products and services provided by each of our two primary business units. PCC.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.6B | 1.6B | 1.6B | 1.4B | 1.9B |
| Net Income | 161M | 166M | 113M | 110M | 113M | 374M |
| EPS | $2.66 | $2.64 | $1.74 | $1.69 | $1.60 | $4.61 |
| Free Cash Flow | -194M | -56M | 267M | 435M | 1.2B | 741M |
| ROIC | 0.0% | 5.2% | 4.0% | 4.0% | 3.6% | 10.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.59 | 0.81 | 0.80 | 0.65 | 0.88 | 0.73 |
| Dividends/Share | $0.78 | $0.72 | $0.68 | $0.64 | $0.60 | $0.48 |
| Operating Income | 0 | 27M | 15M | 19M | 22M | 24M |
| Operating Margin | 0.0% | 1.7% | 0.9% | 1.2% | 1.5% | 1.2% |
| ROE | 7.5% | 7.6% | 5.2% | 5.3% | 5.0% | 15.5% |
| Shares Outstanding | 59M | 63M | 65M | 65M | 71M | 81M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 1.2B | 1.7B | 1.7B | 1.7B | 1.5B | 1.7B | 2.2B | 1.9B | 1.4B | 1.6B | 1.6B | 1.6B | 1.3B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 491M | 766M | 834M | 817M | 757M | 845M | 1.1B | 1.0B | 774M | 678M | 687M | 731M | 723M |
| EBIT | 6.3M | 11M | 15M | 26M | 18M | 283M | 564M | 24M | 22M | 19M | 15M | 27M | 0 |
| Op. Margin | 0.5% | 0.6% | 0.9% | 1.5% | 1.3% | 16.9% | 25.2% | 1.2% | 1.5% | 1.2% | 0.9% | 1.7% | 0.0% |
| Net Income | 106M | 208M | 146M | 133M | 121M | 225M | 448M | 374M | 113M | 110M | 113M | 166M | 161M |
| Net Margin | 8.9% | 12.3% | 8.4% | 7.7% | 8.3% | 13.5% | 20.0% | 19.3% | 7.9% | 7.0% | 7.0% | 10.2% | 12.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 7.5% | 12.1% | 7.0% | 6.2% | 5.6% | 8.4% | 12.9% | 10.3% | 3.6% | 4.0% | 4.0% | 5.2% | 0.0% |
| ROE | 7.6% | 13.0% | 8.1% | 7.0% | 6.3% | 11.1% | 20.2% | 15.5% | 5.0% | 5.3% | 5.2% | 7.6% | 7.5% |
| ROA | 1.2% | 2.0% | 1.2% | 1.0% | 0.9% | 1.6% | 2.8% | 2.1% | 0.6% | 0.7% | 0.7% | 1.0% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -91M | 36M | -161M | -321M | 390M | -433M | 280M | 766M | 1.2B | 443M | 274M | -39M | -172M |
| Free Cash Flow | -135M | 4.5M | -203M | -352M | 322M | -475M | 243M | 741M | 1.2B | 435M | 267M | -56M | -194M |
| Owner Earnings | -107M | 15M | -182M | -332M | 350M | -472M | 238M | 720M | 1.1B | 404M | 241M | -59M | -184M |
| CapEx | 43M | 31M | 42M | 31M | 68M | 42M | 38M | 25M | 9.8M | 8.5M | 7.1M | 17M | 23M |
| Maint. CapEx | 11M | 12M | 10M | 8.3M | 31M | 27M | 28M | 28M | 27M | 23M | 23M | 18M | 9.7M |
| Growth CapEx | 32M | 19M | 32M | 23M | 37M | 15M | 9.8M | 0 | 0 | 0 | 0 | 0 | 13M |
| D&A | 11M | 12M | 10M | 8.3M | 31M | 27M | 28M | 28M | 27M | 23M | 23M | 18M | 9.7M |
| CapEx/OCF | N/A | 87.5% | N/A | N/A | 17.5% | N/A | 13.5% | 3.2% | 0.8% | 1.9% | 2.6% | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 5.6M | 3.5M | 5.8M | 23M | 27M | 30M | 33M | 39M | 43M | 42M | 44M | 45M | 46M |
| Dividend Yield | 0.3% | 0.2% | 0.3% | 1.1% | 1.5% | 1.7% | 2.0% | 1.6% | 2.2% | 2.2% | 2.3% | 2.3% | 2.0% |
| Share Buybacks | 0 | 30M | 16M | 27M | 59M | 73M | 209M | 124M | 442M | 5.1M | 20M | 184M | 198M |
| Buyback Yield | N/A | 1.8% | 0.6% | 1.3% | 4.0% | 3.6% | 9.4% | 4.7% | 22.5% | 0.2% | 1.1% | 8.5% | 8.7% |
| Stock-Based Comp | 4.9M | 8.6M | 11M | 3.3M | 9.1M | 12M | 15M | 18M | 16M | 16M | 11M | 2.3M | 3.0M |
| Debt Repayment | 2.6M | 43M | 218M | 512M | 644M | 1.0B | 1.3B | 1.0B | 863M | 490M | 891M | 1.2B | 1.2B |
| Balance Sheet | |||||||||||||
| Net Debt | -905M | -298M | 285M | -3.0M | -359M | 926M | -668M | -3.3B | -1.5B | -2.0B | -2.0B | -993M | -1.1B |
| Cash & Equiv. | 813M | 828M | 872M | 674M | 778M | 643M | 1.4B | 3.0B | 1.6B | 1.9B | 2.4B | 1.3B | 2.4B |
| Long-Term Debt | 57M | 239M | 318M | 209M | 229M | 1.1B | 1.5B | 976M | 822M | 490M | 919M | 1.1B | 269M |
| Debt/Equity | 0.56 | 0.68 | 0.93 | 0.74 | 0.66 | 1.18 | 0.92 | 0.73 | 0.88 | 0.65 | 0.80 | 0.81 | 0.59 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 1.5B | 1.7B | 1.9B | 1.9B | 1.9B | 2.1B | 2.3B | 2.5B | 2.0B | 2.1B | 2.2B | 2.2B | 2.1B |
| Total Assets | 9.2B | 11.9B | 12.7B | 13.4B | 13.7B | 15.2B | 16.9B | 18.7B | 16.3B | 16.5B | 16.3B | 15.8B | 15.7B |
| Total Liabilities | 7.8B | 10.1B | 10.9B | 11.5B | 11.7B | 13.0B | 14.6B | 16.1B | 14.2B | 14.3B | 14.0B | 13.6B | 13.5B |
| Intangibles | 60M | 55M | 45M | 36M | 38M | 27M | 20M | 15M | 11M | 8.5M | 6.6M | 5.6M | 5.4M |
| Retained Earnings | -46M | 155M | 296M | 385M | 467M | 645M | 987M | 1.3B | 1.1B | 1.2B | 1.2B | 1.3B | 1.3B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.17 | 2.09 | 1.48 | 1.36 | 1.28 | 2.44 | 5.01 | 4.61 | 1.60 | 1.69 | 1.74 | 2.64 | 2.66 |
| Owner EPS | -1.19 | 0.15 | -1.84 | -3.41 | 3.69 | -5.11 | 2.66 | 8.86 | 16.22 | 6.23 | 3.70 | -0.94 | -3.15 |
| Book Value | 16.13 | 17.44 | 18.98 | 19.62 | 20.55 | 22.78 | 26.00 | 31.05 | 28.81 | 32.72 | 33.66 | 34.57 | 36.63 |
| Cash Flow/Share | -1.01 | 0.36 | -1.63 | -3.29 | 4.11 | -4.69 | 3.14 | 9.42 | 16.82 | 6.83 | 4.21 | -0.62 | 2.92 |
| Dividends/Share | 0.06 | 0.04 | 0.06 | 0.24 | 0.28 | 0.32 | 0.36 | 0.48 | 0.60 | 0.64 | 0.68 | 0.72 | 0.78 |
| Shares Out. | 90.6M | 99.6M | 98.6M | 97.5M | 94.9M | 92.3M | 89.4M | 81.2M | 70.7M | 64.9M | 65.1M | 62.7M | 58.5M |
| Valuation | |||||||||||||
| P/E Ratio | 14.5 | 8.0 | 17.2 | 16.1 | 12.1 | 8.9 | 5.0 | 7.0 | 17.4 | 20.0 | 16.1 | 13.0 | 14.7 |
| P/FCF | N/A | 372.0 | N/A | N/A | 4.5 | N/A | 9.1 | 3.5 | 1.7 | 5.0 | 6.9 | N/A | N/A |
| EV/EBIT | 92.5 | 141.0 | 195.0 | 90.5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.1 | 1.0 | 1.3 | 1.1 | 0.8 | 0.9 | 1.0 | 1.0 | 1.0 | 1.0 | 0.8 | 1.0 | 1.1 |
| Price/Sales | 1.4 | 1.1 | 1.1 | 1.3 | 1.2 | 1.2 | 0.8 | 1.4 | 1.5 | 1.6 | 1.7 | 1.5 | 1.8 |
| FCF Yield | -8.7% | 0.3% | -8.1% | -16.5% | 22.0% | -23.6% | 10.9% | 28.4% | 60.0% | 19.8% | 14.6% | -2.6% | -8.5% |
| Market Cap | 1.5B | 1.7B | 2.5B | 2.1B | 1.5B | 2.0B | 2.2B | 2.6B | 2.0B | 2.2B | 1.8B | 2.2B | 2.3B |
| Avg. Price | 18.47 | 17.61 | 18.13 | 22.30 | 19.21 | 18.89 | 18.22 | 30.95 | 27.01 | 28.83 | 30.23 | 31.03 | 39.08 |
| Year-End Price | 17.01 | 16.68 | 25.43 | 21.85 | 15.43 | 21.79 | 24.84 | 32.09 | 27.80 | 33.74 | 28.09 | 34.43 | 39.08 |
Hilltop Holdings Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
Hilltop Holdings Inc. trades at 14.8x trailing earnings, compared to its 15-year median P/E of 14.6x, suggesting it is currently Fair relative to its historical range. The company's 5-year average ROIC is 5.4%. Total shareholder yield (dividends + buybacks) is 10.7%. At current prices, the estimated annualized return to fair value is +16.1%.
Hilltop Holdings Inc. (HTH) has a net profit margin of 10.2%. This is a healthy margin.
Hilltop Holdings Inc. (HTH) generated $-56 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Hilltop Holdings Inc. (HTH) has a debt-to-equity ratio of 0.81. This indicates moderate leverage.
Hilltop Holdings Inc. (HTH) reported earnings per share (EPS) of $2.64 in its most recent fiscal year.
Hilltop Holdings Inc. (HTH) has a return on equity (ROE) of 7.6%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 years of financial data for Hilltop Holdings Inc. (HTH), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Hilltop Holdings Inc. (HTH) has a book value per share of $34.57, based on its most recent annual SEC filing.