Hilltop Holdings Inc.
NYSE•HTH
CEO: Mr. Jeremy Blue Ford
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2004-02-19
Hilltop Holdings Inc. provides business and consumer banking services. It 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; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It also provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is based in Dallas, Texas.
Contact Information
Market Cap
$2.28B
P/E (TTM)
13.9
15.1
Dividend Yield
2.0%
52W High
$36.14
52W Low
$27.35
52W Range
Rank41Top 44.9%
4.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q3 2025 Data
Revenue
$418.07M+1.60%
4-Quarter Trend
EPS
$0.74+60.87%
4-Quarter Trend
FCF
$270.99M-47.25%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Strong Nine-Month Net Income Net income attributable to Hilltop rose to $124.0M YTD, driving diluted EPS to $1.95, significantly up from $1.19 last year.
Consolidated NIM Improves Consolidated taxable equivalent NIM expanded to 2.99% for nine months, supported by banking segment NII growth despite lower deposit costs.
Loan Portfolio Credit Quality Non-accrual loans decreased to $65.5M (0.75% of total loans) by Sep 30, 2025, reflecting lower commercial and industrial delinquencies.
Robust Capital Adequacy Maintained Hilltop's CET1 ratio remains strong at 20.33% as of Sep 30, 2025, well above regulatory minimums including conservation buffers.
Risk Factors
Economic Uncertainty Impacts Credit Continued economic uncertainty, tariffs, and inflation pose risks to loan portfolio quality, potentially requiring future adjustments to the allowance for credit losses.
Mortgage Origination Volatility Mortgage origination segment results remain volatile, experiencing operating losses in Q3 2025 due to lower origination volumes and MSR valuation changes.
Interest Rate Risk Exposure Banking segment remains asset sensitive; falling rates could compress net interest income, while rising rates could slow asset yield increases due to rate floors.
Deposit Competition Pressures Competition for deposits continues, potentially increasing funding costs and requiring greater reliance on secondary liquidity sources if organic deposits decline further.
Outlook
Credit Loss Forecast Sensitivity Allowance estimates are highly sensitive to macroeconomic forecasts; downside economic scenarios could result in a significant increase in required credit loss reserves.
Debt Reduction Completed Senior Notes ($150M) and 2030 Subordinated Notes ($50M) were fully redeemed in H1 2025, reducing future interest expense obligations.
Broker-Dealer Revenue Outlook Broker-dealer revenue depends on market activity; advisory fees remain strong, but trading gains are subject to market volatility and interest rate sensitivity.
Capital Deployment Focus Hilltop maintains capacity for organic growth and capital preservation, with approximately $62M remaining share repurchase capacity through January 2026.
Peer Comparison
Revenue (TTM)
$1.55B
$1.34B
$1.04B
Gross Margin (Latest Quarter)
BANR98.4%
79.6%
76.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CUBI | $2.68B | 14.4 | 9.2% | 6.1% |
| FBNC | $2.40B | 24.3 | 6.5% | 0.1% |
| NBTB | $2.28B | 13.7 | 8.9% | 2.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
7.3%
Steady Growth
4Q Net Income CAGR
8.9%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Next earnings:Jan 29, 2026
EPS:$0.46
|Revenue:$301.50M
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Oct 24, 2025|Revenue: $418.07M+1.6%|EPS: $0.74+60.9%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Jul 25, 2025|Revenue: $389.82M-2.7%|EPS: $0.57+83.9%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: Apr 28, 2025|Revenue: $406.14M+3.8%|EPS: $0.65+54.8%BeatForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 14, 2025|Revenue: $1.54B+2.5%|EPS: $1.74+3.0%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Oct 25, 2024|Revenue: $411.49M-0.5%|EPS: $0.46-19.3%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 2, 2024|Revenue: $400.45M-0.9%|EPS: $0.31+10.7%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: Apr 22, 2024|Revenue: $391.23M+10.5%|EPS: $0.42+5.0%BeatForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 14, 2024|Revenue: $1.50B+11.1%|EPS: $1.69+5.0%Beat