Hilltop Holdings Inc.
NYSE•HTH
CEO: Mr. Jeremy Blue Ford
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
時価総額
$2.15B
PER (TTM)
12.8
13.4
配当利回り
2.1%
52週高値
$40.41
52週安値
$27.35
52週レンジ
順位41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$411.17M+21.65%
直近4四半期の推移
EPS
$0.69+25.45%
直近4四半期の推移
フリーCF
-$49.28M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Strong 2025 Net Income Net income attributable to Hilltop rose to $165.6M in 2025, up 46% from $113.2M in 2024; diluted EPS reached $2.64.
Net Interest Income Improved NII increased to $440.7M, driven by decreased deposit funding costs following Federal Reserve rate cuts. Consolidated NIM improved to 3.00%.
Merchant Bank Equity Gain Noninterest income benefited from a significant pre-tax gain of $27.8M recognized in Q1 2025 from the sale of a merchant bank equity investment.
Robust Capital Ratios Maintained CET1 ratio stood at 19.70% at year-end 2025, exceeding regulatory minimums despite capital deployment for debt redemptions.
リスク要因
Credit Loss Provision Increased Provision for credit losses jumped to $7.3M in 2025 from $0.94M in 2024; net charge-offs totaled $16.9M, heavily impacting the allowance.
Mortgage Origination Losses Mortgage origination segment incurred a pre-tax loss of $17.5M in 2025, continuing operational challenges in the mortgage lending environment.
Interest Rate Sensitivity Exposure Banking segment remains asset sensitive; simulation analysis shows potential NII volatility if interest rates move contrary to current expectations.
Evolving Cybersecurity Threats Operational systems face increasing cybersecurity risks from evolving threats, requiring continuous investment in security controls and third-party oversight.
見通し
Economic Headwinds Persist Future performance depends on uncertain economic conditions, including inflation, interest rate paths, and geopolitical factors impacting loan demand and credit quality.
Regulatory Capital Management Management anticipates maintaining capital positions well above minimum supervisory levels, focusing on Basel III requirements and potential future regulatory changes.
MSR Portfolio Management Mortgage segment expects MSR asset levels to remain insignificant in the short-term following significant sales activity in prior periods.
Dividends and Repurchases Future dividends and stock repurchases remain subject to board discretion, capital availability, and debt service requirements.
同業比較
売上高 (TTM)
$2.92B
$1.63B
$1.41B
粗利益率 (最新四半期)
80.6%
78.3%
76.1%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| PNFP | $6.39B | 10.0 | 9.5% | 4.4% |
| TRMK | $2.47B | 11.0 | 10.8% | 5.9% |
| FRME | $2.32B | 9.3 | 9.5% | 5.3% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.4%
緩やかな成長
4四半期純利益CAGR
-0.4%
収益性の安定
キャッシュフロー安定性
50%
キャッシュフローに注意が必要
深度リサーチ
次回決算:2026年4月16日
EPS:$0.45
|売上高:$304.25M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし