(HTH) Hilltop Holdings - Ratings and Ratios
Loans, Deposits, Insurance, Treasury, Brokerage
HTH EPS (Earnings per Share)
HTH Revenue
Description: HTH Hilltop Holdings
Hilltop Holdings Inc (NYSE:HTH) is a regional bank holding company operating in the United States. As a regional bank, its performance is closely tied to the overall health of the US economy, particularly in the regions it serves.
The companys stock is characterized by relatively stable price movements, as indicated by its low Average True Range (ATR) of 1.64%. Its beta of 0.857 suggests that HTHs stock price tends to be less volatile than the overall market. With a market capitalization of $1.91 billion, Hilltop Holdings is considered a mid-cap stock.
From a fundamental analysis perspective, Hilltop Holdings has a price-to-earnings (P/E) ratio of 13.31, which is slightly lower than its forward P/E ratio of 13.70. This suggests that the market expects the companys earnings to grow in the future. The companys Return on Equity (RoE) stands at 6.63%, indicating a moderate level of profitability.
Key economic drivers for Hilltop Holdings include interest rates, as changes in rates can impact the companys net interest income. Additionally, the overall health of the US economy, particularly in terms of employment rates and consumer spending, can influence the companys loan portfolio and asset quality. Key Performance Indicators (KPIs) to watch include the companys net interest margin, loan growth, and asset quality metrics such as non-performing assets (NPAs) and charge-offs.
To evaluate Hilltop Holdings investment potential, its essential to analyze its financial performance in the context of the regional banking industry. This includes comparing its valuation multiples, profitability metrics, and asset quality to those of its peers. By doing so, investors can gain a better understanding of the companys strengths and weaknesses and make more informed investment decisions.
HTH Stock Overview
| Market Cap in USD | 1,912m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2004-02-12 |
HTH Stock Ratings
| Growth Rating | 16.7% |
| Fundamental | 55.3% |
| Dividend Rating | 56.7% |
| Total Return vs S&P 500 | -10.3% |
| Analyst Rating | 3.00 of 5 |
HTH Dividends
| Dividend Yield 12m | 2.27% |
| Yield on Cost 5y | 3.96% |
| Annual Growth 5y | 13.56% |
| Payout Consistency | 47.8% |
| Payout Ratio | 37.4% |
HTH Growth Ratios
| Growth Correlation 3m | 50.1% |
| Growth Correlation 12m | -29.1% |
| Growth Correlation 5y | 20.9% |
| CAGR 5y | 12.41% |
| CAGR/Max DD 5y | 0.34 |
| Sharpe Ratio 12m | -0.75 |
| Alpha | -7.66 |
| Beta | 0.652 |
| Volatility | 36.52% |
| Current Volume | 383.1k |
| Average Volume 20d | 390k |
| Stop Loss | 31.2 (-3%) |
| Signal | 0.92 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (145.2m TTM) > 0 and > 6% of Revenue (6% = 81.2m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 0.13pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -798.2% (prev -592.2%; Δ -206.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 415.5m > Net Income 145.2m (YES >=105%, WARN >=100%) |
| Net Debt (989.4m) to EBITDA (159.5m) ratio: 6.20 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (63.6m) change vs 12m ago -2.22% (target <= -2.0% for YES) |
| Gross Margin 77.90% (prev 72.33%; Δ 5.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.73% (prev 9.84%; Δ -1.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.38 (EBITDA TTM 159.5m / Interest Expense TTM 383.3m) >= 6 (WARN >= 3) |
Altman Z'' -4.18
| (A) -0.70 = (Total Current Assets 2.49b - Total Current Liabilities 13.29b) / Total Assets 15.36b |
| (B) 0.08 = Retained Earnings (Balance) 1.27b / Total Assets 15.36b |
| (C) 0.01 = EBIT TTM 144.3m / Avg Total Assets 15.49b |
| (D) 0.09 = Book Value of Equity 1.18b / Total Liabilities 13.14b |
| Total Rating: -4.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.33
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 127.1% = 5.0 |
| 3. FCF Margin 30.02% = 7.50 |
| 4. Debt/Equity 0.41 = 2.42 |
| 5. Debt/Ebitda 5.63 = -2.50 |
| 6. ROIC - WACC -3.92% = -4.90 |
| 7. RoE 6.63% = 0.55 |
| 8. Rev. Trend -20.50% = -1.03 |
| 9. Rev. CAGR -18.44% = -2.50 |
| 10. EPS Trend 46.38% = 1.16 |
| 11. EPS CAGR 6.29% = 0.63 |
What is the price of HTH shares?
Over the past week, the price has changed by +5.99%, over one month by +3.41%, over three months by +5.06% and over the past year by +4.41%.
Is Hilltop Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HTH is around 30.19 USD . This means that HTH is currently overvalued and has a potential downside of -6.18%.
Is HTH a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the HTH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.3 | 3.6% |
| Analysts Target Price | 33.3 | 3.6% |
| ValueRay Target Price | 33.6 | 4.3% |
Last update: 2025-08-06 02:58
HTH Fundamental Data Overview
CCE Cash And Equivalents = 2.49b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.3114
P/E Forward = 13.6986
P/S = 1.5502
P/B = 0.8473
P/EG = 1.14
Beta = 0.857
Revenue TTM = 1.35b USD
EBIT TTM = 144.3m USD
EBITDA TTM = 159.5m USD
Long Term Debt = 148.5m USD (from longTermDebt, last quarter)
Short Term Debt = 749.9m USD (from shortTermDebt, last quarter)
Debt = 898.4m USD (Calculated: Short Term 749.9m + Long Term 148.5m)
Net Debt = 989.4m USD (from netDebt column, last quarter)
Enterprise Value = 319.6m USD (1.91b + Debt 898.4m - CCE 2.49b)
Interest Coverage Ratio = 0.38 (Ebit TTM 144.3m / Interest Expense TTM 383.3m)
FCF Yield = 127.1% (FCF TTM 406.1m / Enterprise Value 319.6m)
FCF Margin = 30.02% (FCF TTM 406.1m / Revenue TTM 1.35b)
Net Margin = 10.73% (Net Income TTM 145.2m / Revenue TTM 1.35b)
Gross Margin = 77.90% ((Revenue TTM 1.35b - Cost of Revenue TTM 299.0m) / Revenue TTM)
Tobins Q-Ratio = 0.27 (Enterprise Value 319.6m / Book Value Of Equity 1.18b)
Interest Expense / Debt = 9.63% (Interest Expense 86.5m / Debt 898.4m)
Taxrate = 20.13% (from yearly Income Tax Expense: 31.0m / 154.3m)
NOPAT = 115.2m (EBIT 144.3m * (1 - 20.13%))
Current Ratio = 0.19 (Total Current Assets 2.49b / Total Current Liabilities 13.29b)
Debt / Equity = 0.41 (Debt 898.4m / last Quarter total Stockholder Equity 2.20b)
Debt / EBITDA = 5.63 (Net Debt 989.4m / EBITDA 159.5m)
Debt / FCF = 2.21 (Debt 898.4m / FCF TTM 406.1m)
Total Stockholder Equity = 2.19b (last 4 quarters mean)
RoA = 0.95% (Net Income 145.2m, Total Assets 15.36b )
RoE = 6.63% (Net Income TTM 145.2m / Total Stockholder Equity 2.19b)
RoCE = 6.17% (Ebit 144.3m / (Equity 2.19b + L.T.Debt 148.5m))
RoIC = 4.27% (NOPAT 115.2m / Invested Capital 2.70b)
WACC = 8.19% (E(1.91b)/V(2.81b) * Re(8.42%)) + (D(898.4m)/V(2.81b) * Rd(9.63%) * (1-Tc(0.20)))
Shares Correlation 5-Years: -70.0 | Cagr: -4.34%
Discount Rate = 8.42% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.01% ; FCFE base≈400.8m ; Y1≈356.5m ; Y5≈299.1m
Fair Price DCF = 80.28 (DCF Value 5.06b / Shares Outstanding 63.0m; 5y FCF grow -13.65% → 3.0% )
Revenue Correlation: -20.50 | Revenue CAGR: -18.44%
Revenue Growth Correlation: -74.86%
EPS Correlation: 46.38 | EPS CAGR: 6.29%
EPS Growth Correlation: 66.12%
Additional Sources for HTH Stock
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Fund Manager Positions: Dataroma | Stockcircle