8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Feb 5, 2026·SEC
Hilltop Holdings Inc.(HTH)Earnings, Financials & Key Ratios
HTH•NYSE•Banking & Credit
$39.37
14.9× P/E·Price updated Jul 2, 2026
AboutHilltop Holdings Inc. provides business and consumer banking, and financial products and services. It 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, equipment loans and leases, agricultural and commercial real estate loans, and other loans; and commercial and industrial loans, and term and construction finance. This segment also provides treasury management, wealth management, asset management, check cards, safe deposit boxes, online banking, bill pay, trust, and overdraft services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; structured finance services, which include advisory services for derivatives and commodities; sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds, as well as mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products. This segment also provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers mortgage, jumbo, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was founded in 1998 and is headquartered in Dallas, Texas.Show more
- Net Interest Income$441M+5.5%
- Total Revenue$1.63B+5.5%
- Net Income$166M+46.3%
- Return on Equity7.5%+44.7%
- Net Interest Margin2.78%+8.3%
- Efficiency Ratio64.82%+3.3%
- ROA1.03%+49.1%
- Equity / Assets13.87%+1.7%
- Book Value per Share35.04+2.8%
HTH Price & Volume
Hilltop Holdings Inc. (HTH) stock price & volume — 10-year historical chart
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Cyclical Fee Dependency Strains Hilltop Earnings Stability
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Deteriorating
Primary Risk:Mortgage segment cyclicality
Key Thesis Takeaways
- Hilltop Holdings faces a challenging outlook as its heavy reliance on non-interest income, which reached 100% of total revenue in 2026Q1, leaves the firm highly exposed to volatile mortgage and capital market cycles.
- While the bank maintains a stable equity-to-assets ratio of 0.14, the recent $72.2 million provision expense in 2026Q1 suggests emerging credit risks that may pressure future profitability.
- Investors should monitor whether the firm can improve its efficiency ratio, which has fluctuated between 56% and 67% over the last ten quarters, to better manage its high fixed-cost structure.
Verdict Logic
Negative: The firm's reliance on volatile fee income and the recent $72.2 million provision expense in 2026Q1 suggest that current earnings quality is insufficient to support the 15.13 P/E TTM valuation.
HTH Growth Metrics
Hilltop Holdings Inc. (HTH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.55%
5 Years-5.52%
3 Years6.3%
TTM-
Profit CAGR
10 Years-2.39%
5 Years-18.04%
3 Years13.54%
TTM27.29%
EPS CAGR
10 Years2.36%
5 Years-10.43%
3 Years18.17%
TTM34.01%
Return on Capital
10 Years8.38%
5 Years6.56%
3 Years4.44%
Last Year3.21%
HTH Recent Earnings
Hilltop Holdings Inc. (HTH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.64+18.5%
$0.54
Rev
$301M-1.4%
$305M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.69+50.0%
$0.46
Rev
$330M+9.4%
$302M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.74+46.5%
$0.51
Rev
$330M+6.3%
$311M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.57+40.7%
$0.41
Rev
$303M-4.8%
$319M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.64vs $0.54+18.5% | $301Mvs $305M-1.4% |
| Q1 2026 | Jan 29, 2026 | $0.69vs $0.46+50.0% | $330Mvs $302M+9.4% |
| Q4 2025 | Oct 23, 2025 | $0.74vs $0.51+46.5% | $330Mvs $311M+6.3% |
| Q3 2025 | Jul 24, 2025 | $0.57vs $0.41+40.7% | $303Mvs $319M-4.8% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Hilltop Holdings Inc. (HTH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $39.37 | $2.34B | 14.91 | 5.45% | 10.19% | 7.5% | 1.84% | |
| $36.70 | $756.25M | 11.22 | -0.3% | 22.54% | 14.15% | — | |
| $78.47 | $4.08B | 15.42 | -3.05% | 22.64% | 11.38% | — | |
| $23.11 | $3.14B | 15.20 | -2.33% | 32.4% | 9.16% | — | |
| $141.24 | $8.58B | 15.39 | -1.07% | 18.3% | 10.31% | — | |
| $104.54 | $4.62B | 15.37 | 13.54% | 18.34% | 9.93% | — |
Compare HTH vs Peers
Hilltop Holdings Inc. (HTH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HTH SEC Filings & Documents
Hilltop Holdings Inc. (HTH) SEC filings — annual & quarterly reports (10-K, 10-Q)
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HTH Frequently Asked Questions
Hilltop Holdings Inc. (HTH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Hilltop Holdings Inc. growing?
Hilltop Holdings Inc. (HTH) grew revenue by 5.5% over the past year. This is steady growth.
Is HTH profitable?
Yes, Hilltop Holdings Inc. (HTH) is profitable, generating $162.5M in net income for fiscal year 2025 (10.2% net margin).
Dividend & Returns
Does HTH pay dividends?
Yes, Hilltop Holdings Inc. (HTH) pays a dividend with a yield of 1.84%. This makes it attractive for income-focused investors.
What is HTH's return on equity?
Hilltop Holdings Inc. (HTH) has a return on equity (ROE) of 7.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Hilltop Holdings Inc.'s net interest margin?
Hilltop Holdings Inc. (HTH) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is Hilltop Holdings Inc.'s efficiency ratio?
Hilltop Holdings Inc. (HTH) has an efficiency ratio of 64.8%. This is reasonable for a bank.