Hilltop Holdings Inc. logo

Hilltop Holdings Inc.

HTH

NYSEFinancial ServicesFinancial - Conglomerates

Previous close

$38.68

+$0.05 · +0.13%

Aug 21, 4:00 PM ET

HTH company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

76

Undervalued

Momentum

44

Neutral

Sentiment

59

Mixed

Risk resilience

76

Moderate Risk

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Company profile

Company website

Hilltop Holdings Inc., a Dallas, Texas-based entity established in 1998, delivers a comprehensive suite of financial products and services, catering to both corporate and individual clients. Its operations are structured into three primary divisions: Banking, Broker-Dealer activities, and Mortgage Origination. The Banking division encompasses a range of deposit products, including checking (both standard and interest-bearing), savings, money market accounts, and certificates of deposit. It extends various credit facilities such as lines and letters of credit, home improvement and equity financing, loans for securities acquisition, equipment leasing and loans, agricultural and commercial real estate funding, alongside commercial, industrial, term, and construction loans. Additionally, this segment offers treasury, wealth, and asset management services, along with essential banking conveniences like check cards, safe deposit boxes, online banking, bill payment, trust services, and overdraft protection. Further specialized offerings include estate planning, investment portfolio administration, employee benefit accounts, individual retirement accounts, and ATM access. The Broker-Dealer segment focuses on public finance, aiding governmental and municipal entities with the origination, syndication, and distribution of their securities. It also delivers specialized advisory and investment banking solutions, including counsel on arbitrage rebate compliance, portfolio oversight, and the administration of local government investment pools. Structured finance services, encompassing advice on derivatives and commodities, are also part of its portfolio. The segment actively engages in the sale, trading, and underwriting of a broad spectrum of fixed-income securities, such as U.S. government and agency bonds, corporate and municipal bonds, as well as mortgage-backed, asset-backed, commercial mortgage-backed securities, and other structured products. Other offerings include asset and liability management advisory, clearing services, retail brokerage, and securities lending. Finally, the Mortgage Origination unit is dedicated to originating a variety of residential mortgage loans, including conventional, jumbo, FHA (Federal Housing Administration), VA (Veterans Affairs), and USDA (United States Department of Agriculture) programs.

Industry
Financial - Conglomerates
Sector
Financial Services
Headquarters
US
CEO
Jeremy Blue Ford
Listed since
Feb 12, 2004
Employees
3,525

Market position

Day range

Current $38.68

52-week range

Current $38.68

Open
$38.885
Previous close
$38.63
Volume
164.56K
0.58× average
Average volume
285.31K
Average daily volume
Market cap
2.22B USD
Beta
0.88
Market reference 1
50-day average
$38.7954
-0.30% below average
200-day average
$36.8511
+4.96% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.82B USD
P/E (TTM)
14.33×
P/B (TTM)
1.05×
P/S (TTM)
1.39×
EV / EBITDA
7.7×
Earnings yield
7.78%
Free cash flow yield
-4.47%
Dividend yield
2.07%

Profitability & efficiency

Gross margin
79.85%
Operating margin
13.48%
Net margin
10.17%
Return on equity
7.64%
Return on assets
1.05%
Return on invested capital
-6.78%

Financial health

Debt / equity
0.74×
Current ratio
0.24×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%70%34%-2%Gross margin, FY2021: 97.37%Gross margin, FY2022: 89.62%Gross margin, FY2023: 74.07%Gross margin, FY2024: 72.78%Gross margin, FY2025: 78.42%Operating margin, FY2021: 27.19%Operating margin, FY2022: 11.54%Operating margin, FY2023: 9.92%Operating margin, FY2024: 10.01%Operating margin, FY2025: 13.60%Net margin, FY2021: 20.20%Net margin, FY2022: 8.36%Net margin, FY2023: 7.29%Net margin, FY2024: 7.35%Net margin, FY2025: 10.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 97.37%. Gross margin FY2022 89.62%. Gross margin FY2023 74.07%. Gross margin FY2024 72.78%. Gross margin FY2025 78.42%. Operating margin FY2021 27.19%. Operating margin FY2022 11.54%. Operating margin FY2023 9.92%. Operating margin FY2024 10.01%. Operating margin FY2025 13.60%. Net margin FY2021 20.20%. Net margin FY2022 8.36%. Net margin FY2023 7.29%. Net margin FY2024 7.35%. Net margin FY2025 10.19%.

Income trends

Revenue

1.63B USD+5.45%

Operating income

221.06M USD+43.31%

Net income

165.59M USD+46.27%
Income trends across reported periods2.03B USD1.33B USD632.88M USD−64.77M USDRevenue, FY2021: 1.85B USDRevenue, FY2022: 1.35B USDRevenue, FY2023: 1.5B USDRevenue, FY2024: 1.54B USDRevenue, FY2025: 1.63B USDOperating income, FY2021: 504.07M USDOperating income, FY2022: 156.13M USDOperating income, FY2023: 149.12M USDOperating income, FY2024: 154.26M USDOperating income, FY2025: 221.06M USDNet income, FY2021: 374.5M USDNet income, FY2022: 113.13M USDNet income, FY2023: 109.65M USDNet income, FY2024: 113.21M USDNet income, FY2025: 165.59M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.85B USD. Revenue FY2022 1.35B USD. Revenue FY2023 1.5B USD. Revenue FY2024 1.54B USD. Revenue FY2025 1.63B USD. Operating income FY2021 504.07M USD. Operating income FY2022 156.13M USD. Operating income FY2023 149.12M USD. Operating income FY2024 154.26M USD. Operating income FY2025 221.06M USD. Net income FY2021 374.5M USD. Net income FY2022 113.13M USD. Net income FY2023 109.65M USD. Net income FY2024 113.21M USD. Net income FY2025 165.59M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.63B USD1.54B USD1.5B USD1.35B USD1.85B USD
Cost of goods sold350.66M USD419.53M USD389.92M USD140.45M USD48.78M USD
Gross profit1.27B USD1.12B USD1.11B USD1.21B USD1.8B USD
Selling, general, and administrative812.23M USD687.15M USD678.31M USD773.69M USD1.01B USD
Operating expenses1.05B USD967.36M USD964.59M USD1.06B USD1.3B USD
Interest income784.05M USD836.39M USD838.38M USD591.12M USD529.97M USD
Interest expense343.34M USD418.59M USD371.53M USD132.14M USD106.99M USD
Depreciation and amortization15.71M USD19.95M USD19.63M USD32.63M USD24.63M USD
Operating income221.06M USD154.26M USD149.12M USD156.13M USD504.07M USD
Net income165.59M USD113.21M USD109.65M USD113.13M USD374.5M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+48.43%
11 comparable reports
Latest EPS result
0.63
Estimate 0.49 · Beat by 28.57%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.780.60.420.24Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.55, estimate 0.28, surprise +96.43%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.65, estimate 0.28, surprise +132.14%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.57, estimate 0.41, surprise +39.02%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.74, estimate 0.505, surprise +46.53%, Beat. Q1 2026, reported Jan 29, 2026: actual 0.69, estimate 0.46, surprise +50.00%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.64, estimate 0.54, surprise +18.52%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.63, estimate 0.49, surprise +28.57%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.64, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates351.51M325.38M299.26M273.14MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 337.99M USD, estimate 286.72M USD, surprise +17.88%, Beat. Q2 2025, reported Apr 24, 2025: actual 318.46M USD, estimate 286.66M USD, surprise +11.09%, Beat. Q3 2025, reported Jul 24, 2025: actual 303.31M USD, estimate 308.8M USD, surprise -1.78%, Miss. Q4 2025, reported Oct 23, 2025: actual 330.2M USD, estimate 310.62M USD, surprise +6.30%, Beat. Q1 2026, reported Jan 29, 2026: actual 329.89M USD, estimate 301.5M USD, surprise +9.41%, Beat. Q2 2026, reported Apr 23, 2026: actual 300.51M USD, estimate 304.87M USD, surprise -1.43%, Miss. Q3 2026, reported Jul 23, 2026: actual 315.81M USD, estimate 306.18M USD, surprise +3.14%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 320.16M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$42.00

8.58% upside
Past 12 months12-month forecastHigh $42.00Average $42.00Low $42.00

Recent analyst actions

3 institutions

HTH news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.72

2025 complete year+50.0% since 2021

2026 partial: $0.62

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 7, 2026

$0.22

Quarterly

Record Aug 7, 2026 · Payment Aug 21, 2026

Dividend

Ex-dividend May 8, 2026

$0.20

Quarterly

Record May 8, 2026 · Payment May 22, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.20

Quarterly

Record Feb 13, 2026 · Payment Feb 27, 2026

Dividend

Ex-dividend Nov 7, 2025

$0.18

Quarterly

Record Nov 7, 2025 · Payment Nov 21, 2025

Dividend

Ex-dividend Aug 15, 2025

$0.18

Quarterly

Record Aug 15, 2025 · Payment Aug 29, 2025

Dividend

Ex-dividend May 8, 2025

$0.18

Quarterly

Record May 8, 2025 · Payment May 22, 2025

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