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Hilltop

NYQ:HTH · US4327481010
BanksSmall

360

35
Profit price51
Cash yield47
Price/Sales95
EV / Gross Profit89
Price/Book80
Returns on capital23
Profit margins—
Cash Conversion8
Accruals13
Owner Earnings Margin12
Sales growth13
Profit Growth52
Owner Earnings Growth13
Reinvestment79
Price momentum63
Debt load10
Debt serviceability97
Liquidity100
Analyst ratings1
Opinion Changes50
Price Target Upside45
Market mood49
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Hilltop clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded1998
Employees361
Websitehilltop-holdings.com
ISINUS4327481010
Last UpdateApr 2, 2026
Index & Theme
BankingFinancial Services

Description

Hilltop Holdings Inc. (Hilltop) operates as a financial holding company. The company’s primary line of business is to provide business and consumer banking services from offices located throughout Texas through the bank. The company also provides an…

Analysis

Middle-of-the-road

Hilltop Holdings Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.6×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
71
2023202420252026

All-time high

71

Jun 2026

All-time low

7

Jan 2023

Average rank

28

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
95
7
1
3
Price/Earnings
7
5
3
33
Price/Book
80
74
45
64
Dividend Yield
47
34
17
12
Value (overall)
61
29
8
6

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →