Hilltop (HTH)
Market Price (5/8/2026): $38.26 | Market Cap: $2.3 BilSector: Financials | Industry: Regional Banks
Hilltop (HTH)
Market Price (5/8/2026): $38.26Market Cap: $2.3 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -72% Low stock price volatilityVol 12M is 23% Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology. | Trading close to highsDist 52W High is -4.4%, Dist 3Y High is -4.4% Weak multi-year price returns2Y Excs Rtn is -15%, 3Y Excs Rtn is -44% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.4%, Rev Chg QQuarterly Revenue Change % is -5.6% Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -14%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -16% Key risksHTH key risks include [1] ongoing operating losses within its PrimeLending mortgage origination segment. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -72% |
| Low stock price volatilityVol 12M is 23% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology. |
| Trading close to highsDist 52W High is -4.4%, Dist 3Y High is -4.4% |
| Weak multi-year price returns2Y Excs Rtn is -15%, 3Y Excs Rtn is -44% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.4%, Rev Chg QQuarterly Revenue Change % is -5.6% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -14%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -16% |
| Key risksHTH key risks include [1] ongoing operating losses within its PrimeLending mortgage origination segment. |
Qualitative Assessment
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1. Mixed Q1 2026 Earnings Performance: Hilltop Holdings Inc. reported first-quarter 2026 net income of $37.8 million, or $0.64 per diluted share, which significantly beat analyst expectations of $0.49 per share by 30.61%. However, the company's revenue of $300.5 million slightly missed the consensus estimate of $302.97 million. This mixed financial outcome contributed to the stock declining 2.82% immediately following the earnings announcement on April 24, 2026, closing at $37.96.
2. Offsetting Segmental Performance: The strong performance of Hilltop's core banking segment, PlainsCapital Bank, which saw its net interest margin expand by 9 basis points sequentially to 3.38% and generated $47.1 million in pre-tax income, provided a positive counterbalance. This strength was largely offset by continued challenges in the mortgage origination segment, PrimeLending, which incurred a modest $2.4 million pre-tax loss, primarily due to prevailing housing affordability issues and the impact of interest rate lock-in.
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Stock Movement Drivers
Fundamental Drivers
The 2.1% change in HTH stock from 1/31/2026 to 5/7/2026 was primarily driven by a 5.1% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 1312026 | 5072026 | Change |
|---|---|---|---|
| Stock Price ($) | 37.26 | 38.05 | 2.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,187 | 1,202 | 1.3% |
| Net Income Margin (%) | 13.4% | 13.4% | -0.1% |
| P/E Multiple | 14.5 | 13.9 | -3.9% |
| Shares Outstanding (Mil) | 62 | 59 | 5.1% |
| Cumulative Contribution | 2.1% |
Market Drivers
1/31/2026 to 5/7/2026| Return | Correlation | |
|---|---|---|
| HTH | 2.1% | |
| Market (SPY) | 3.6% | 35.4% |
| Sector (XLF) | -3.0% | 52.5% |
Fundamental Drivers
The 19.1% change in HTH stock from 10/31/2025 to 5/7/2026 was primarily driven by a 12.0% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5072026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.96 | 38.05 | 19.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,187 | 1,202 | 1.3% |
| Net Income Margin (%) | 13.4% | 13.4% | -0.1% |
| P/E Multiple | 12.4 | 13.9 | 12.0% |
| Shares Outstanding (Mil) | 62 | 59 | 5.1% |
| Cumulative Contribution | 19.1% |
Market Drivers
10/31/2025 to 5/7/2026| Return | Correlation | |
|---|---|---|
| HTH | 19.1% | |
| Market (SPY) | 5.5% | 35.5% |
| Sector (XLF) | -0.7% | 48.4% |
Fundamental Drivers
The 31.7% change in HTH stock from 4/30/2025 to 5/7/2026 was primarily driven by a 21.5% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5072026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.88 | 38.05 | 31.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,156 | 1,202 | 4.0% |
| Net Income Margin (%) | 11.0% | 13.4% | 21.5% |
| P/E Multiple | 14.6 | 13.9 | -4.6% |
| Shares Outstanding (Mil) | 65 | 59 | 9.3% |
| Cumulative Contribution | 31.7% |
Market Drivers
4/30/2025 to 5/7/2026| Return | Correlation | |
|---|---|---|
| HTH | 31.7% | |
| Market (SPY) | 30.4% | 40.3% |
| Sector (XLF) | 7.4% | 56.2% |
Fundamental Drivers
The 31.0% change in HTH stock from 4/30/2023 to 5/7/2026 was primarily driven by a 36.7% change in the company's Net Income Margin (%).| (LTM values as of) | 4302023 | 5072026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.05 | 38.05 | 31.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,189 | 1,202 | 1.1% |
| Net Income Margin (%) | 9.8% | 13.4% | 36.7% |
| P/E Multiple | 16.2 | 13.9 | -13.7% |
| Shares Outstanding (Mil) | 65 | 59 | 9.8% |
| Cumulative Contribution | 31.0% |
Market Drivers
4/30/2023 to 5/7/2026| Return | Correlation | |
|---|---|---|
| HTH | 31.0% | |
| Market (SPY) | 78.7% | 43.0% |
| Sector (XLF) | 63.1% | 59.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HTH Return | 30% | -12% | 20% | -17% | 21% | 13% | 55% |
| Peers Return | 47% | -4% | 11% | 44% | 11% | 3% | 157% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 96% |
Monthly Win Rates [3] | |||||||
| HTH Win Rate | 67% | 42% | 50% | 50% | 50% | 80% | |
| Peers Win Rate | 67% | 48% | 52% | 67% | 62% | 52% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| HTH Max Drawdown | -1% | -29% | -8% | -18% | -5% | -0% | |
| Peers Max Drawdown | -4% | -21% | -19% | -7% | -24% | -9% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SF, RJF, CFR, TCBI, PIPR.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/7/2026 (YTD)
How Low Can It Go
| Event | HTH | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -11.6% | -18.8% |
| % Gain to Breakeven | 13.1% | 23.1% |
| Time to Breakeven | 82 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -17.1% | -6.7% |
| % Gain to Breakeven | 20.6% | 7.1% |
| Time to Breakeven | 245 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.3% | -24.5% |
| % Gain to Breakeven | 43.4% | 32.4% |
| Time to Breakeven | 141 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -46.5% | -33.7% |
| % Gain to Breakeven | 86.8% | 50.9% |
| Time to Breakeven | 211 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -18.8% | -19.2% |
| % Gain to Breakeven | 23.1% | 23.7% |
| Time to Breakeven | 114 days | 105 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -31.8% | -12.2% |
| % Gain to Breakeven | 46.7% | 13.9% |
| Time to Breakeven | 134 days | 62 days |
In The Past
Hilltop's stock fell -11.6% during the 2025 US Tariff Shock. Such a loss loss requires a 13.1% gain to breakeven.
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| Event | HTH | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.3% | -24.5% |
| % Gain to Breakeven | 43.4% | 32.4% |
| Time to Breakeven | 141 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -46.5% | -33.7% |
| % Gain to Breakeven | 86.8% | 50.9% |
| Time to Breakeven | 211 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -31.8% | -12.2% |
| % Gain to Breakeven | 46.7% | 13.9% |
| Time to Breakeven | 134 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -32.4% | -6.8% |
| % Gain to Breakeven | 47.9% | 7.3% |
| Time to Breakeven | 136 days | 15 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -20.7% | -17.9% |
| % Gain to Breakeven | 26.0% | 21.8% |
| Time to Breakeven | 122 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -30.4% | -53.4% |
| % Gain to Breakeven | 43.8% | 114.4% |
| Time to Breakeven | 113 days | 1085 days |
In The Past
Hilltop's stock fell -11.6% during the 2025 US Tariff Shock. Such a loss loss requires a 13.1% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Hilltop (HTH)
AI Analysis | Feedback
- A regional version of Wells Fargo, offering a full suite of banking, investment, and mortgage services.
- A diversified financial services firm like a smaller Bank of America, providing consumer and business banking, brokerage, and mortgage loans.
AI Analysis | Feedback
Hilltop (HTH) provides the following major products and services:
- Deposit Accounts: Offers various deposit accounts including savings, checking, money market, and certificates of deposit for individuals and businesses.
- Banking Loans: Provides a range of loans such as home improvement, home equity, commercial real estate, equipment, and commercial & industrial loans.
- Wealth Management & General Banking Services: Delivers wealth management, asset management, trust, treasury management, and various online banking services.
- Public Finance & Investment Banking: Assists public entities with securities origination and distribution, and offers specialized advisory and investment banking services.
- Securities Trading & Underwriting: Engages in selling, trading, and underwriting a broad array of government, corporate, municipal, and structured securities.
- Brokerage & Clearing Services: Provides asset and liability management advisory, securities lending, and clearing services.
- Mortgage Origination: Originates a variety of mortgage loans, including conventional, jumbo, FHA, VA, and USDA loans.
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Major Customers of Hilltop Holdings Inc. (HTH)
Hilltop Holdings Inc. serves a diverse customer base. While it provides substantial services to businesses and public entities, a significant portion of its offerings, particularly through its Banking and Mortgage Origination segments, targets individual consumers. Therefore, the company primarily serves the following categories of customers:
- Individual Consumers: This category encompasses individuals seeking personal banking services such as checking, savings, and money market accounts, certificates of deposit, home improvement and equity loans, and various types of mortgages (e.g., conventional, jumbo, FHA, VA, USDA loans). It also includes individuals utilizing wealth management, trust, and individual retirement account services.
- Businesses and Corporations: Hilltop provides a range of services to commercial clients, including commercial and industrial loans, term and construction finance, equipment loans and leases, agricultural and commercial real estate loans, treasury management, and employee benefit accounts. Its Broker-Dealer segment also offers specialized advisory, investment banking, and structured finance services to corporate clients.
- Public Entities and Governmental Agencies: Through its Broker-Dealer segment, Hilltop assists public entities and municipalities with public finance services, including the origination, syndication, and distribution of their securities. It also provides advisory services related to arbitrage rebate compliance, portfolio management, and local government investment pool administration.
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```htmlJeremy B. Ford Chairman, President and Chief Executive Officer
Jeremy B. Ford provides strategic direction for Hilltop and its operating companies, overseeing growth initiatives, mergers, and acquisitions. He also oversees all holding company functional areas. He has served as President and a director of Hilltop since 2010 and was appointed Co-Chief Executive Officer in September 2016, becoming the sole CEO in April 2019. Prior to his role at Hilltop, he was a principal of Ford Financial Fund, L.P., a private equity fund, and worked for Diamond A-Ford Corporation, involved in various investments. He has been actively involved in numerous potential acquisitions for Hilltop and the divestiture of the mobile home communities business in 2007. He also serves as chairman of First Acceptance Corporation. His background includes over 25 years in financial services, focusing on investments in and acquisitions of depository institutions and financial services companies.
William B. Furr Executive Vice President, Chief Financial Officer
William B. Furr was appointed Chief Financial Officer of Hilltop Holdings in September 2016. He oversees all accounting and finance functions at the holding company level, including accounting, tax, external reporting, treasury, financial planning and analysis, capital planning, stress testing, and Sarbanes-Oxley (SOX) compliance. Mr. Furr joined Hilltop from KeyCorp, where he was executive vice president, community bank chief financial officer. His experience also includes various financial leadership roles at Regions Financial Corporation and Bank of America Corporation, where he specialized in global middle market banking and global liquidity & treasury services.
Corey Prestidge Executive Vice President, General Counsel and Secretary
Corey Prestidge serves as Executive Vice President, General Counsel and Secretary for Hilltop Holdings. He is also the son-in-law of Gerald J. Ford, the former Chairman of Hilltop.
Darren Parmenter Executive Vice President, Chief Administrative Officer
Darren Parmenter holds the title of Executive Vice President, Chief Administrative Officer at Hilltop Holdings Inc. He transitioned into this role effective September 1, 2016, having previously served as the principal financial officer for Hilltop.
M. Bradley Winges President & Chief Executive Officer of HilltopSecurities
M. Bradley Winges is the President and Chief Executive Officer of HilltopSecurities Inc., a broker-dealer subsidiary of Hilltop Holdings. He joined the firm in this role effective February 20, 2019. Mr. Winges brings three decades of experience to HilltopSecurities, primarily from his time at Piper Jaffray, where he was a senior executive managing director and held leadership positions including head of fixed income services and firm investments and trading, and president of Piper Jaffray Investment Management. He has also served as a two-term chairman of the Bond Dealers of America (BDA) board of directors.
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Key Risks to Hilltop Holdings Inc. (HTH)
Sensitivity to Interest Rate Fluctuations and Economic Conditions: As a financial institution with significant banking and mortgage origination segments, Hilltop Holdings Inc. is highly susceptible to changes in interest rates. Fluctuations in rates can directly impact net interest margins, loan demand, and mortgage origination volumes. Furthermore, the company's performance is closely tied to overall economic conditions; an economic downturn could lead to reduced demand for its financial products and services across all segments, including banking, broker-dealer activities, and mortgage origination.
Credit Risk: Hilltop Holdings Inc. engages in extensive lending activities across its Banking and Mortgage Origination segments, including various types of commercial, real estate, and consumer loans. This exposes the company to credit risk, which is the risk that borrowers may default on their obligations. A deterioration in the credit quality of its loan portfolios or adverse economic conditions could lead to increased loan losses and negatively impact the company's financial performance.
Regulatory and Compliance Risk: Operating across banking, broker-dealer, and mortgage origination segments, Hilltop Holdings Inc. is subject to a complex and evolving regulatory environment. Changes in financial regulations, increased compliance costs, or failure to comply with applicable laws and regulations could result in significant penalties, reputational damage, operational restrictions, and increased expenses, thereby impacting its business and profitability.
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- Digital-First Banks and Fintech Competitors: The rise of neobanks, challenger banks, and other fintech companies offering streamlined, digital-only banking services poses a threat to Hilltop's traditional Banking segment. These entities often provide lower fees, enhanced mobile experiences, and faster processing for checking, savings, and various lending products, directly competing for customer acquisition, particularly among digitally native demographics.
- Online Mortgage Lenders: Specialized online mortgage lenders have transformed the mortgage origination landscape. Companies that leverage highly efficient digital platforms for applications, underwriting, and closing processes can offer a faster, more convenient, and often more cost-effective experience for borrowers, thereby drawing market share away from Hilltop's Mortgage Origination segment.
- Robo-advisors and Digital Wealth Management Platforms: Automated investment and wealth management platforms offer low-cost, algorithm-driven financial advice and portfolio management. These services directly compete with Hilltop's traditional wealth management and asset management offerings within its Banking segment by appealing to clients seeking efficiency, lower fees, and less human interaction for their investment needs.
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Hilltop Holdings Inc. (HTH) operates across several key financial services segments, addressing substantial markets primarily within the United States. Below are the estimated addressable market sizes for its main products and services:
Banking Segment
- Commercial Banking: The U.S. commercial banking market size was valued at approximately USD 732.5 billion in 2025 and is forecasted to reach USD 915.45 billion by 2030, growing at a CAGR of 4.56% (U.S.). Another estimate indicates the market size at USD 765.53 billion in 2026, projected to reach USD 954.48 billion by 2031 (U.S.).
- Consumer Banking (Retail Banking): The United States retail banking market was valued at USD 870 billion in 2025 and is estimated to grow to USD 1,112.2 billion by 2031, at a CAGR of 4.17% (U.S.). Another source indicates the U.S. retail banking market generated revenue of USD 1.28 trillion in 2025 (U.S.).
- Wealth Management: While specific market sizing for overall wealth management in the U.S. varies, the private banking market, a component of wealth management, is valued at USD 59.54 billion in 2025 and is expected to reach USD 94.89 billion by 2030 (U.S.). Robo-advisors alone within wealth management managed over $1 trillion in assets as of 2025, with forecasts predicting this could approach $2 trillion within the next couple of years (U.S.).
- Asset Management: The United States Asset Management market was valued at USD 52.08 trillion in 2024 and is expected to reach USD 134.67 trillion by 2030, rising at a CAGR of 17.22% (U.S.). Another projection estimates the market size at USD 70.97 trillion in 2026, reaching USD 125.98 trillion by 2031 (U.S.).
Broker-Dealer Segment
- Public Finance and Investment Banking Services: The U.S. municipal bond market, a key area for public finance, had outstanding bonds totaling $4.4 trillion as of Q3 2025 (U.S.). The U.S. investment banking market is expected to grow from USD 54.74 billion in 2025 to USD 67.47 billion by 2031, at a CAGR of 3.55% (U.S.).
Mortgage Origination Segment
- Mortgage Loans: The Mortgage Bankers Association (MBA) projected that single-family mortgage originations in the U.S. will climb to $2.2 trillion in 2026, up from an expected $2.0 trillion in 2025 (U.S.). Another forecast expects total U.S. mortgage origination volume to exceed the $2 trillion mark for the first time since 2022 by 2026 (U.S.).
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Here are 3-5 expected drivers of future revenue growth for Hilltop Holdings Inc. (HTH) over the next 2-3 years:
- Loan Growth in the Banking Segment: Hilltop Holdings anticipates continued expansion in its banking segment's loan portfolio. Management projects full-year average bank loans (excluding retained mortgages and mortgage warehouse lending) to increase by 0-3% in 2025 and by 4-6% in 2026. This growth is supported by a strong loan pipeline, which was identified as historically high entering 2026, with commercial real estate lending being a key contributor in late 2025.
- Expansion of Wealth Management and Public Finance Services: The company's Broker-Dealer segment, HilltopSecurities, is expected to drive revenue growth through its wealth management and public finance businesses. In Q4 2025, wealth management net revenues increased by 16% year-over-year, largely due to higher advisory fees on increased managed balances and improved transaction revenues. Similarly, public finance services saw a 20% year-over-year increase in net revenues in Q4 2025, attributed to strong advisory and underwriting fees. Management expects these broker-dealer results to remain stable with healthy pretax margins in 2026.
- Improved Net Interest Income (NII) from Lower Deposit Costs: Hilltop Holdings forecasts an increase in net interest income, primarily driven by a reduction in deposit costs. The company expects NII to grow by 0-2% in 2025 and projects a 2-4% rise for the remainder of 2025, largely due to anticipated lower deposit costs. In Q4 2025, NII already demonstrated a 7% year-over-year increase, supported by active deposit cost management and growth in lower-cost deposits, leading to a 30-basis point expansion in net interest margin to 3.02%.
- Recovery in Mortgage Origination Volume: While dependent on market conditions, the mortgage origination segment (PrimeLending) is a potential driver of revenue growth. Hilltop projects mortgage origination volume for 2025 to be between $8 billion and $9.5 billion. A recovery or favorable shift in the mortgage market conditions could positively impact this segment's contribution to overall revenue.
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Share Repurchases
- Hilltop Holdings Inc. authorized a new $125 million share repurchase program in January 2026, valid through January 2027.
- During the full year 2025, the company repurchased an aggregate of 5,705,205 shares for $184.0 million.
- In the second quarter of 2025, Hilltop repurchased 1,157,396 shares for $34.9 million, and the Board authorized an increase in the stock repurchase program limit by $35 million, bringing the total authorized amount to $135 million with approximately $67 million of available repurchase capacity extending through January 2026.
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| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
| 08312025 | HTH | Hilltop | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 7.8% | 8.5% | -11.5% |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 90.51 |
| Mkt Cap | 7.1 |
| Rev LTM | 2,114 |
| Op Inc LTM | - |
| FCF LTM | 570 |
| FCF 3Y Avg | 429 |
| CFO LTM | 655 |
| CFO 3Y Avg | 516 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.9% |
| Rev Chg 3Y Avg | 9.3% |
| Rev Chg Q | 14.4% |
| QoQ Delta Rev Chg LTM | 3.3% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 21.7% |
| CFO/Rev 3Y Avg | 20.9% |
| FCF/Rev LTM | 20.4% |
| FCF/Rev 3Y Avg | 19.8% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 7.1 |
| P/S | 2.4 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 13.7 |
| P/CFO | 10.8 |
| Total Yield | 8.6% |
| Dividend Yield | 1.9% |
| FCF Yield 3Y Avg | 6.3% |
| D/E | 0.1 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 3.3% |
| 3M Rtn | -3.4% |
| 6M Rtn | 6.8% |
| 12M Rtn | 30.2% |
| 3Y Rtn | 97.5% |
| 1M Excs Rtn | -8.6% |
| 3M Excs Rtn | -11.4% |
| 6M Excs Rtn | -1.0% |
| 12M Excs Rtn | 0.1% |
| 3Y Excs Rtn | 19.2% |
Segment Financials
Assets by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking | 13,354 | 13,289 | 13,420 | 14,944 | 13,339 |
| Broker-Dealer | 2,824 | 2,929 | 2,673 | 3,673 | 3,196 |
| Corporate | 2,602 | 2,543 | 2,466 | 2,941 | 2,823 |
| Mortgage Origination | 1,011 | 1,181 | 1,249 | 2,208 | 3,285 |
| All Other and Eliminations | -3,522 | -3,475 | -3,548 | -5,077 | -5,699 |
| Total | 16,268 | 16,467 | 16,259 | 18,689 | 16,944 |
Price Behavior
| Market Price | $38.05 | |
| Market Cap ($ Bil) | 2.2 | |
| First Trading Date | 02/19/2004 | |
| Distance from 52W High | -4.4% | |
| 50 Days | 200 Days | |
| DMA Price | $36.73 | $34.66 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 3.6% | 9.8% |
| 3M | 1YR | |
| Volatility | 22.8% | 23.2% |
| Downside Capture | 0.55 | 0.37 |
| Upside Capture | 59.05 | 80.54 |
| Correlation (SPY) | 36.4% | 39.6% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.39 | 0.55 | 0.50 | 0.57 | 0.74 | 0.76 |
| Up Beta | 0.50 | 0.41 | 0.27 | 0.58 | 0.79 | 0.70 |
| Down Beta | -0.15 | 0.31 | 0.35 | 0.45 | 0.54 | 0.61 |
| Up Capture | 37% | 51% | 61% | 70% | 74% | 62% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 13 | 20 | 32 | 60 | 118 | 356 |
| Down Capture | 79% | 84% | 68% | 52% | 81% | 97% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 9 | 23 | 32 | 63 | 130 | 388 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HTH | |
|---|---|---|---|---|
| HTH | 30.2% | 23.1% | 1.07 | - |
| Sector ETF (XLF) | 6.5% | 14.6% | 0.22 | 56.4% |
| Equity (SPY) | 29.6% | 12.5% | 1.86 | 40.2% |
| Gold (GLD) | 37.0% | 27.1% | 1.14 | 0.0% |
| Commodities (DBC) | 48.7% | 18.0% | 2.12 | -18.8% |
| Real Estate (VNQ) | 12.9% | 13.5% | 0.65 | 40.7% |
| Bitcoin (BTCUSD) | -16.3% | 42.1% | -0.31 | 14.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HTH | |
|---|---|---|---|---|
| HTH | 3.7% | 30.0% | 0.15 | - |
| Sector ETF (XLF) | 9.2% | 18.6% | 0.37 | 62.2% |
| Equity (SPY) | 12.8% | 17.1% | 0.59 | 49.3% |
| Gold (GLD) | 21.1% | 17.9% | 0.96 | 1.7% |
| Commodities (DBC) | 14.1% | 19.1% | 0.60 | 8.4% |
| Real Estate (VNQ) | 3.3% | 18.8% | 0.08 | 46.9% |
| Bitcoin (BTCUSD) | 7.0% | 56.0% | 0.34 | 20.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HTH | |
|---|---|---|---|---|
| HTH | 8.3% | 33.8% | 0.32 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 65.8% |
| Equity (SPY) | 15.0% | 17.9% | 0.72 | 52.2% |
| Gold (GLD) | 13.5% | 16.0% | 0.70 | -1.8% |
| Commodities (DBC) | 9.4% | 17.8% | 0.44 | 17.6% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 46.8% |
| Bitcoin (BTCUSD) | 68.2% | 66.9% | 1.07 | 14.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | -3.5% | -0.8% | |
| 1/29/2026 | 1.8% | 8.3% | 4.6% |
| 10/23/2025 | 4.5% | 0.0% | 5.1% |
| 7/24/2025 | -0.3% | -3.2% | 13.9% |
| 4/24/2025 | -1.1% | 1.3% | 1.7% |
| 1/30/2025 | 1.3% | 10.0% | 9.3% |
| 10/24/2024 | -1.1% | 0.3% | 6.2% |
| 7/25/2024 | -1.9% | -8.6% | -4.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 13 | 18 |
| # Negative | 15 | 12 | 6 |
| Median Positive | 3.6% | 4.5% | 6.9% |
| Median Negative | -2.4% | -4.9% | -6.7% |
| Max Positive | 9.8% | 13.9% | 16.5% |
| Max Negative | -9.0% | -16.6% | -9.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 04/24/2026 | 10-Q |
| 12/31/2025 | 02/13/2026 | 10-K |
| 09/30/2025 | 10/24/2025 | 10-Q |
| 06/30/2025 | 07/25/2025 | 10-Q |
| 03/31/2025 | 04/28/2025 | 10-Q |
| 12/31/2024 | 02/14/2025 | 10-K |
| 09/30/2024 | 10/25/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 04/22/2024 | 10-Q |
| 12/31/2023 | 02/14/2024 | 10-K |
| 09/30/2023 | 10/23/2023 | 10-Q |
| 06/30/2023 | 07/24/2023 | 10-Q |
| 03/31/2023 | 04/24/2023 | 10-Q |
| 12/31/2022 | 02/17/2023 | 10-K |
| 09/30/2022 | 10/24/2022 | 10-Q |
| 06/30/2022 | 07/25/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bornemann, Keith E | Chief Accounting Officer | Direct | Sell | 5062026 | 38.00 | 2,000 | 76,000 | 300,657 | Form |
| 2 | Ford, Gerald J | Direct | Sell | 3092026 | 37.98 | 259,771 | 9,866,960 | 298,813 | Form | |
| 3 | Thompson, Steve B | PrimeLending President and CEO | Direct | Sell | 2092026 | 39.84 | 9,025 | 359,562 | 3,658,064 | Form |
| 4 | Winges, Martin Bradley | Hilltop Securities CEO | Direct | Sell | 2042026 | 38.46 | 26,000 | 999,939 | 2,531,812 | Form |
| 5 | Bornemann, Keith E | Chief Accounting Officer | Direct | Sell | 11262025 | 35.00 | 2,200 | 77,000 | 304,221 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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