Hilltop Holdings Inc.

Valuation Analysis

About the Company

Hilltop Holdings Inc. provides business and consumer banking services. The company 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 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 manageme

Hilltop Holdings Inc. Stock at a Glance

Hilltop Holdings Inc. (HTH) is currently trading at $38.44 with a market capitalization of $2.2B. The trailing P/E ratio stands at 14.62x, with a forward P/E of 16.1x. The 52-week range spans from $28.92 to $40.41; the current price is 4.9% below the yearly high. Year-over-year revenue growth stands at -3.4%. The net profit margin stands at 12.76%.

💰 Dividend

Hilltop Holdings Inc. pays an annual dividend of $0.76 per share, representing a yield of 1.98%. The payout ratio stands at 28.14%.

📊 Analyst Rating

3 analysts rate Hilltop Holdings Inc. (HTH) on consensus: None. The average price target is $39.67, implying +3.19% from the current price. Analyst price targets range from $39.00 to $40.00.

Hilltop Holdings Inc.: The Investment Case in Detail

Hilltop Holdings Inc. (HTH) operates in the Financial Services — specifically Financial Conglomerates — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue is contracting at -3.4% year-over-year — until that trend reverses, valuation is exposed to further downgrades.

Valuation in Context

With a PEG ratio of 0.61, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (5.87%).

Trading Data

💵 Dividend Info

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