Hilltop (HTH)
Market Price (12/28/2025): $34.62 | Market Cap: $2.2 BilSector: Financials | Industry: Regional Banks
Hilltop (HTH)
Market Price (12/28/2025): $34.62Market Cap: $2.2 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 9.5%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 7.6% | Trading close to highsDist 52W High is -2.6%, Dist 3Y High is -2.6% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.7% |
| 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 -97% | Weak multi-year price returns2Y Excs Rtn is -42%, 3Y Excs Rtn is -54% | Key risksHTH key risks include [1] ongoing operating losses within its PrimeLending mortgage origination segment. |
| Attractive cash flow generationCFO/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 14% | ||
| Low stock price volatilityVol 12M is 24% | ||
| 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.5%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 7.6% |
| 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 -97% |
| Attractive cash flow generationCFO/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 14% |
| Low stock price volatilityVol 12M is 24% |
| 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 -2.6%, Dist 3Y High is -2.6% |
| Weak multi-year price returns2Y Excs Rtn is -42%, 3Y Excs Rtn is -54% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.7% |
| Key risksHTH key risks include [1] ongoing operating losses within its PrimeLending mortgage origination segment. |
Why The Stock Moved
Qualitative Assessment
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The stock for Hilltop (HTH) experienced a -0.8% movement during the approximate time period from August 31, 2025, to December 27, 2025, influenced by a mix of positive financial results and cautious analyst sentiment.
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<b>1. Hilltop Exceeded Q3 2025 Earnings and Revenue Estimates.</b> Hilltop Holdings reported strong third-quarter 2025 financial results, with earnings per share (EPS) of $0.74 significantly surpassing the consensus estimate of $0.49. Revenue also exceeded expectations, coming in at $330.2 million against an estimated $309.68 million. This strong performance initially led to a positive market reaction, with shares rising approximately 2.5% in after-market trading following the October 23, 2025, announcement.
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<b>2. Analyst Downgrade to "Hold" Despite Strong Earnings.</b> Despite the positive earnings beat, Zacks Research downgraded Hilltop from a "strong-buy" rating to a "hold" rating on November 14, 2025. This downgrade contributed to a consensus "Hold" rating for the stock among analysts, with an average 12-month price target of $34.00, suggesting a potential downside from its then-current price.
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<b>3. Hilltop Declared a Quarterly Cash Dividend.</b> On October 23, 2025, Hilltop announced a quarterly cash dividend of $0.18 per common share, payable on November 21, 2025. The ex-dividend date was November 7, 2025. This dividend announcement could have provided some support to the stock price.
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<b>4. Share Repurchase Program Activity.</b> During the third quarter of 2025, Hilltop repurchased 1,701,274 shares of its common stock for $55.1 million at an average price of $32.36 per share. Additionally, in October 2025, the Board of Directors authorized an increase of $50 million to the share repurchase program, bringing the total authorized amount to $185 million. These share repurchases can positively influence stock price by reducing the number of outstanding shares and signaling confidence from management.
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<b>5. Mixed Segment Performance and Broader Regional Bank Concerns.</b> While the banking and broker-dealer segments showed strong performance in Q3 2025, challenges persisted in the mortgage origination business. Additionally, broader concerns about regional bank stability and commercial real estate exposure, though not directly impacting Hilltop significantly, contributed to a cautious sentiment within the regional banks industry, which generally underperformed during this period.
Show moreStock Movement Drivers
Fundamental Drivers
The 2.3% change in HTH stock from 9/27/2025 to 12/27/2025 was primarily driven by a 8.9% change in the company's Net Income Margin (%).| 9272025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 33.82 | 34.61 | 2.33% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1162.13 | 1186.84 | 2.13% |
| Net Income Margin (%) | 12.34% | 13.44% | 8.93% |
| P/E Multiple | 15.01 | 13.48 | -10.17% |
| Shares Outstanding (Mil) | 63.64 | 62.15 | 2.34% |
| Cumulative Contribution | 2.27% |
Market Drivers
9/27/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| HTH | 2.3% | |
| Market (SPY) | 4.3% | 31.1% |
| Sector (XLF) | 3.3% | 55.0% |
Fundamental Drivers
The 15.3% change in HTH stock from 6/28/2025 to 12/27/2025 was primarily driven by a 21.7% change in the company's Net Income Margin (%).| 6282025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 30.02 | 34.61 | 15.30% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1155.78 | 1186.84 | 2.69% |
| Net Income Margin (%) | 11.05% | 13.44% | 21.69% |
| P/E Multiple | 15.19 | 13.48 | -11.25% |
| Shares Outstanding (Mil) | 64.61 | 62.15 | 3.82% |
| Cumulative Contribution | 15.13% |
Market Drivers
6/28/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| HTH | 15.3% | |
| Market (SPY) | 12.6% | 37.4% |
| Sector (XLF) | 7.4% | 59.2% |
Fundamental Drivers
The 22.6% change in HTH stock from 12/27/2024 to 12/27/2025 was primarily driven by a 40.8% change in the company's Net Income Margin (%).| 12272024 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 28.24 | 34.61 | 22.55% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1114.16 | 1186.84 | 6.52% |
| Net Income Margin (%) | 9.55% | 13.44% | 40.80% |
| P/E Multiple | 17.24 | 13.48 | -21.79% |
| Shares Outstanding (Mil) | 64.93 | 62.15 | 4.28% |
| Cumulative Contribution | 22.33% |
Market Drivers
12/27/2024 to 12/27/2025| Return | Correlation | |
|---|---|---|
| HTH | 22.6% | |
| Market (SPY) | 17.0% | 47.8% |
| Sector (XLF) | 15.3% | 60.6% |
Fundamental Drivers
The 23.9% change in HTH stock from 12/28/2022 to 12/27/2025 was primarily driven by a 16.8% change in the company's Net Income Margin (%).| 12282022 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 27.94 | 34.61 | 23.87% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1300.88 | 1186.84 | -8.77% |
| Net Income Margin (%) | 11.51% | 13.44% | 16.75% |
| P/E Multiple | 12.04 | 13.48 | 11.95% |
| Shares Outstanding (Mil) | 64.55 | 62.15 | 3.73% |
| Cumulative Contribution | 23.69% |
Market Drivers
12/28/2023 to 12/27/2025| Return | Correlation | |
|---|---|---|
| HTH | 2.0% | |
| Market (SPY) | 48.0% | 43.2% |
| Sector (XLF) | 51.3% | 60.6% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HTH Return | 12% | 30% | -12% | 20% | -17% | 24% | 57% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| HTH Win Rate | 50% | 67% | 42% | 50% | 50% | 58% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| HTH Max Drawdown | -52% | -1% | -29% | -8% | -18% | -5% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[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] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | HTH | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -37.6% | -25.4% |
| % Gain to Breakeven | 60.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -53.0% | -33.9% |
| % Gain to Breakeven | 112.6% | 51.3% |
| Time to Breakeven | 251 days | 148 days |
| 2018 Correction | ||
| % Loss | -45.2% | -19.8% |
| % Gain to Breakeven | 82.6% | 24.7% |
| Time to Breakeven | 757 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -39.3% | -56.8% |
| % Gain to Breakeven | 64.6% | 131.3% |
| Time to Breakeven | 1,426 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Hilltop's stock fell -37.6% during the 2022 Inflation Shock from a high on 3/12/2021. A -37.6% loss requires a 60.3% gain to breakeven.
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AI Analysis | Feedback
A smaller, Texas-centric Wells Fargo, offering banking, wealth management, and mortgage services.
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- Commercial Banking: Provides business loans, lines of credit, treasury management, and deposit services to corporate clients.
- Retail Banking: Offers checking, savings, money market accounts, consumer loans, and wealth management solutions to individual customers.
- Residential Mortgage Lending: Originates and services a wide range of mortgage loans, including conventional, FHA, VA, and jumbo, for homebuyers.
- Brokerage Services: Delivers full-service and discount brokerage accounts for individual and institutional investors to trade securities.
- Financial Advisory & Capital Markets: Offers investment banking, public finance, wealth management, and fixed income sales and trading services to corporate, municipal, and high-net-worth clients.
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Hilltop Holdings Inc. (symbol: HTH) is a diversified financial services holding company. Based on its primary business segments—residential mortgage origination (PrimeLending), retail and commercial banking (PlainsCapital Bank), and full-service brokerage and wealth management (HilltopSecurities)—the company serves a broad customer base that includes both individuals and businesses. However, a significant portion of its revenue and customer interactions are directly with individuals.
Therefore, Hilltop primarily serves the following categories of individual customers:
- Homebuyers and Homeowners: Individuals seeking to purchase new homes, refinance existing mortgages, or obtain home equity loans are served through its PrimeLending subsidiary.
- Individual Investors and Wealth Management Clients: Through HilltopSecurities, the company provides brokerage services, investment advice, financial planning, and wealth management solutions to individuals looking to manage and grow their personal assets.
- Retail Banking Customers: PlainsCapital Bank caters to individual customers with a range of personal banking products, including checking and savings accounts, personal loans, and other consumer banking services.
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Jeremy B. Ford, Chairman, President & Chief Executive Officer
Mr. Ford joined Hilltop Holdings in 2010, after having spent time on Wall Street and in private equity. He was a principal of Ford Financial Fund, L.P. Prior to Hilltop, Mr. Ford worked for several firms in the financial services industry, including Diamond A-Ford Corporation; Liberté Investors Inc. (now First Acceptance Corporation); California Federal Bank, FSB (now Citigroup Inc.); and Salomon Smith Barney (now Citigroup Inc.). He also serves as Chairman and CEO of PlainsCapital Bank. Mr. Ford previously served as co-CEO of Hilltop Holdings with Alan B. White from September 2016 until Mr. White's retirement in April 2019.
William B. Furr, Executive Vice President, Chief Financial Officer
Mr. Furr joined Hilltop Holdings in 2016 as Chief Financial Officer. In this role, he oversees all accounting and finance functions for Hilltop at the holding company level, including accounting, tax, external reporting, treasury, financial planning and analysis, capital planning, stress testing, and Sarbanes-Oxley (SOX) compliance. Prior to joining Hilltop, Mr. Furr served as executive vice president, community bank CFO at Cleveland-based KeyCorp. He also held various financial leadership roles at Regions Financial Corporation and Bank of America Corporation.
M. Bradley Winges, President & Chief Executive Officer of HilltopSecurities Inc.
Mr. Winges serves as the President and Chief Executive Officer of HilltopSecurities Inc., a wholly-owned subsidiary of Hilltop Holdings that provides securities brokerage, institutional and investment banking services.
Stephen Thompson, President & Chief Executive Officer of PrimeLending
Mr. Thompson is the President and Chief Executive Officer of PrimeLending, which is the residential mortgage origination segment of Hilltop Holdings. He also serves as a director and officer of Hilltop Holdings.
Corey G. Prestidge, Executive Vice President, General Counsel and Secretary
Mr. Prestidge serves as Executive Vice President, General Counsel and Secretary for Hilltop Holdings. He joined the company as an officer in 2014.
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Here are the key risks to Hilltop (HTH):
- Interest Rate Risk and Impact on Net Interest Margin: Hilltop Holdings Inc. is significantly exposed to interest rate risk, as its earnings are sensitive to changes in interest rates. The company has faced pressure against its net interest margin due to elevated costs of deposits and muted loan demand, exacerbated by a highly competitive environment for deposits. A downgrade of Hilltop's credit rating could also adversely affect its access to liquidity and capital, significantly increasing its cost of funds.
- Challenges in the Mortgage Origination Segment: The company's mortgage origination segment, PrimeLending, has experienced operating losses and continues to navigate a difficult market. Elevated mortgage rates, tight housing inventories, and challenges in consumer affordability have contributed to a decline in production volume. This segment is also subject to investment risk on the loans it originates, as it primarily intends to sell, rather than hold, residential mortgage loans.
- Credit Risk and Potential Investment Losses: Hilltop is subject to credit risk in its securities transactions, particularly during the period between trade execution and customer settlement. Furthermore, losses on investments, especially if the company is forced to sell them quickly, could have an adverse impact on its profitability, results of operations, and financial condition.
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Hilltop Holdings Inc. (HTH) operates through three main segments: banking, mortgage origination, and broker-dealer services. The addressable markets for these services are primarily within the United States, with a significant focus on Texas for its banking operations.
Banking Services (PlainsCapital Bank)
- Commercial Banking: The market size for the Commercial Banking industry in Texas is projected to be $108.7 billion in 2025. For the broader U.S. Commercial Banking market, the size is estimated at USD 732.5 billion in 2025.
- Retail Banking: The United States retail banking market is valued at USD 0.87 trillion in 2025.
- Private Banking/Wealth Management: The U.S. private banking market is valued at USD 59.54 billion in 2025.
Mortgage Origination (PrimeLending)
- U.S. Single-Family Mortgage Origination: The total single-family mortgage origination volume in the U.S. is expected to reach $2.0 trillion in 2025.
Broker-Dealer Services (HilltopSecurities)
- U.S. Securities Brokerage: The United States Securities Brokerage Market is valued at approximately $196.99 billion in 2025.
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Here are 3-5 expected drivers of future revenue growth for Hilltop (HTH) over the next 2-3 years:
- Growth in PlainsCapital Bank's Core Loan and Deposit Balances: PlainsCapital Bank is expected to continue driving revenue growth through sustained expansion in both core loan and deposit balances. Despite competitive markets in Texas, the bank has demonstrated strong core loan growth and an increase in core deposit balances. This growth is supported by active management of interest-bearing deposit costs and the repricing of loan portfolios into higher rate environments.
- Expansion of Net Interest Margin (NIM) at PlainsCapital Bank: A key driver for Hilltop's banking segment is the continued expansion of its net interest margin. PlainsCapital Bank has actively managed down the cost of interest-bearing deposits, and loan yields have increased, leading to an improved net interest margin. This directly contributes to higher net interest income, a significant component of the company's overall revenue.
- Robust Net Revenue Growth in HilltopSecurities' Public Finance and Wealth Management Segments: HilltopSecurities is poised for future revenue growth, particularly within its Public Finance and Wealth Management business lines. The Public Finance segment has shown significant year-over-year increases in net revenues, driven by strong advisory and underwriting fees. Concurrently, Wealth Management has experienced consistent asset under management (AUM) growth and increased advisory and transaction fee revenue.
- Strategic Improvement and Streamlining of the PrimeLending Mortgage Origination Business: Although the mortgage origination market has faced challenges, Hilltop is strategically focused on improving the performance of its PrimeLending subsidiary. Management is actively working to reduce fixed expenses and recruit talented mortgage originators to restore standalone profitability. These efforts aim to position PrimeLending for future revenue recovery and enhanced contributions as market conditions potentially improve.
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Share Repurchases
- In October 2025, Hilltop's Board of Directors authorized an increase of $50.0 million to the aggregate amount of common stock that the company may repurchase, raising the total authorization to $185.0 million under a program expiring in January 2026.
- During the third quarter of 2025, Hilltop repurchased 1,701,274 shares of its common stock for $55.1 million at an average price of $32.36 per share.
- As of June 30, 2025, Hilltop had approximately $67 million remaining under its $135 million share repurchase plan, which was extended in July 2025.
Share Issuance
- As of March 31, 2025, Hilltop Holdings Inc. reported the issuance of common stock related to share-based awards, with a net figure of (2,755).
Capital Expenditures
- Hilltop Holdings is focusing on digital investments to enhance operational efficiencies and improve customer analytics.
- These digital investments are aimed at lowering operating costs over time.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to HTH. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.5% | 14.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | 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 | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | 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 | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
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Peer Comparisons for Hilltop
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 56.38 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.2% |
| Rev Chg 3Y Avg | 2.2% |
| Rev Chg Q | 8.6% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 17.3% |
| CFO/Rev 3Y Avg | 21.2% |
| FCF/Rev LTM | 15.9% |
| FCF/Rev 3Y Avg | 19.5% |
Segment Financials
Assets by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Banking | 13,289 | 13,420 | 14,944 | 13,339 | 11,147 |
| Broker-Dealer | 2,929 | 2,673 | 3,673 | 3,196 | 3,457 |
| Corporate | 2,543 | 2,466 | 2,941 | 2,823 | 2,394 |
| Mortgage Origination | 1,181 | 1,249 | 2,208 | 3,285 | 2,357 |
| All Other and Eliminations | -3,475 | -3,548 | -5,077 | -5,699 | -4,431 |
| Assets of discontinued operations | 248 | ||||
| Total | 16,467 | 16,259 | 18,689 | 16,944 | 15,172 |
Price Behavior
| Market Price | $34.61 | |
| Market Cap ($ Bil) | 2.2 | |
| First Trading Date | 02/19/2004 | |
| Distance from 52W High | -2.6% | |
| 50 Days | 200 Days | |
| DMA Price | $33.63 | $31.57 |
| DMA Trend | up | up |
| Distance from DMA | 2.9% | 9.6% |
| 3M | 1YR | |
| Volatility | 25.7% | 23.9% |
| Downside Capture | 57.01 | 70.49 |
| Upside Capture | 56.38 | 79.51 |
| Correlation (SPY) | 31.0% | 48.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.79 | 0.74 | 0.73 | 0.98 | 0.63 | 0.85 |
| Up Beta | 0.59 | 0.68 | 1.05 | 1.38 | 0.41 | 0.73 |
| Down Beta | 0.39 | 0.54 | 0.52 | 0.61 | 0.63 | 0.72 |
| Up Capture | 139% | 87% | 55% | 100% | 76% | 81% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 10 | 19 | 27 | 58 | 121 | 361 |
| Down Capture | 63% | 82% | 89% | 100% | 90% | 101% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 9 | 22 | 35 | 65 | 122 | 381 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of HTH With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| HTH | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 23.3% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 23.8% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.82 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 60.8% | 48.1% | -2.8% | 5.9% | 52.1% | 13.6% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of HTH With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| HTH | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 7.1% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 31.5% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.27 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 61.1% | 48.0% | 2.6% | 11.5% | 44.3% | 21.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of HTH With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| HTH | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 7.5% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 34.3% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.30 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 66.5% | 53.2% | -3.4% | 20.0% | 47.2% | 14.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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 |
| 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% |
| 4/18/2024 | 3.2% | 4.5% | 11.1% |
| 1/25/2024 | -1.4% | -8.4% | -9.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 13 | 18 |
| # Negative | 15 | 12 | 7 |
| Median Positive | 4.0% | 4.5% | 6.9% |
| Median Negative | -2.4% | -6.0% | -8.1% |
| Max Positive | 9.8% | 13.9% | 16.5% |
| Max Negative | -9.0% | -16.6% | -11.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 10242025 | 10-Q 9/30/2025 |
| 6302025 | 7252025 | 10-Q 6/30/2025 |
| 3312025 | 4282025 | 10-Q 3/31/2025 |
| 12312024 | 2142025 | 10-K 12/31/2024 |
| 9302024 | 10252024 | 10-Q 9/30/2024 |
| 6302024 | 8022024 | 10-Q 6/30/2024 |
| 3312024 | 4222024 | 10-Q 3/31/2024 |
| 12312023 | 2142024 | 10-K 12/31/2023 |
| 9302023 | 10232023 | 10-Q 9/30/2023 |
| 6302023 | 7242023 | 10-Q 6/30/2023 |
| 3312023 | 4242023 | 10-Q 3/31/2023 |
| 12312022 | 2172023 | 10-K 12/31/2022 |
| 9302022 | 10242022 | 10-Q 9/30/2022 |
| 6302022 | 7252022 | 10-Q 6/30/2022 |
| 3312022 | 4252022 | 10-Q 3/31/2022 |
| 12312021 | 2152022 | 10-K 12/31/2021 |
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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