Hilltop Holdings Inc. (HTH) AI Stock Analysis

Hilltop Holdings Inc., established in 1998 and headquartered in Dallas, Texas, operates as a diversified financial services company structured into three distinct segments: Banking, Broker-Dealer, and Mortgage Origination. Its Banking segment provides deposit products, commercial and industrial loans, agricultural and real estate loans, treasury management, wealth management, and estate planning. The Broker-Dealer segment delivers public finance, investment banking, structured finance, securities underwriting, retail brokerage, and clearing services for municipalities and institutions. The Mortgage Origination segment originates and services residential mortgage loans across the United States, including government-backed programs such as FHA, VA, and USDA loans.

Between FY2021 and FY2025, Hilltop experienced a 5-year revenue CAGR of -5.5%. Annual revenue decreased from $1.85B in FY2021 to $1.35B in FY2022, before rebounding to $1.50B in FY2023, $1.54B in FY2024, and $1.63B in FY2025. Net income dropped from $374.5M in FY2021 to $113.1M in FY2022, before expanding to $165.6M in FY2025 with a net margin of 10.2%. For the trailing twelve months ended June 30, 2026, revenue stood at $1.27B with a profit margin of 12.7% and EPS of $2.70. In the latest quarter ended June 30, 2026, quarterly revenue grew 5.2% year-over-year, while quarterly earnings grew 11.1%.

As of June 30, 2026, Hilltop Holdings held $2.73B in cash and short-term investments against total debt of $1.58B, resulting in net cash of $1.15B. Shareholders' equity was $2.13B against total assets of $16.00B, yielding a debt-to-equity ratio of 0.74 and a current ratio of 0.61. During FY2025, operating cash flow was -$78.3M and free cash flow was -$95.1M, with capital expenditures of $16.8M. The company allocated capital toward $184.0M in share buybacks and $45.4M in dividends paid.

Hilltop trades at a trailing P/E of 13.6x and a forward P/E of 13.5x, above the median of 12.1x trailing and 10.8x forward for its US-listed Financial Services peers. Its price-to-sales ratio is 1.7x compared to the peer median of 3.2x, while its price-to-book ratio is 1.0x and its PEG ratio is 0.61. The company has a market cap of $2.11B and an enterprise value of $3.54B. Over the past year, HTH returned 21.3% compared to 16.8% for the S&P 500, while its 5-year return of 21.7% lagged the S&P 500 return of 83.0%.

Hilltop Holdings pays a quarterly dividend with an annualized forward payout of $0.80 per share, reflecting a dividend yield of 2.17%. The payout ratio stands at 29.6%, and the company has paid dividends for 11 consecutive years. Over the past five years, dividend growth annualized at 14.9%, with the last ex-dividend date on August 7, 2026.

Consensus ratings include 0 Strong Buy, 0 Buy, 3 Hold, and 1 Sell recommendations. The mean price target is $41.00, representing an 11.3% premium over the last close of $36.85 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.44 and revenue of $1.26B. Hilltop achieved EPS beats in each of the last 4 quarters, and its next earnings date is October 22, 2026.

This page is an AI-written research summary of Hilltop Holdings Inc. (HTH). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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