Hilltop Holdings Inc. (HTH) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Hilltop Holdings Inc. Do?
Hilltop 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. Hilltop Holdings Inc. (HTH) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Jeremy B. Ford and employs approximately 4,170 people, headquartered in Dallas, Texas. With a market capitalization of $2.1B, HTH is one of the notable companies in the Financials sector.
Hilltop Holdings Inc. (HTH) Stock Rating — Reduce (April 2026)
As of April 2026, Hilltop Holdings Inc. receives a Reduce rating with a composite score of 41.1/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.HTH ranks #2,317 out of 4,446 stocks in our coverage universe. Within the Financials sector, Hilltop Holdings Inc. ranks #634 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
HTH Stock Price and 52-Week Range
Hilltop Holdings Inc. (HTH) currently trades at $37.65. The stock lost $0.44 (1.2%) in the most recent trading session. The 52-week high for HTH is $40.41, which means the stock is currently trading -6.8% from its annual peak. The 52-week low is $27.35, putting the stock 37.7% above its annual trough. Recent trading volume was 199K shares, suggesting relatively thin trading activity.
Is HTH Overvalued or Undervalued? — Valuation Analysis
Hilltop Holdings Inc. (HTH) carries a value factor score of 73/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 13.48x, compared to the Financials sector average of 14.88x — a discount of 9%. The price-to-book ratio stands at 0.99x, versus the sector average of 1.22x. The price-to-sales ratio is 2.73x, compared to 0.90x for the average Financials stock. On an enterprise value basis, HTH trades at 10.38x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, Hilltop Holdings Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
Hilltop Holdings Inc. Profitability — ROE, Margins, and Quality Score
Hilltop Holdings Inc. (HTH) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 7.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.
On a margin basis, Hilltop Holdings Inc. reports gross margins of 0.0%. The operating margin is 26.4% (sector: 21.8%). Net profit margin stands at 20.3%, versus 17.7% for the average Financials stock. Revenue growth is running at -3.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
HTH Debt, Balance Sheet, and Financial Health
Hilltop Holdings Inc. has a debt-to-equity ratio of 621.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.16x, suggesting adequate working capital coverage. Total debt on the balance sheet is $2.27B. Cash and equivalents stand at $1.28B.
HTH has a beta of 0.56, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Hilltop Holdings Inc. is 90/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
Hilltop Holdings Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, Hilltop Holdings Inc. reported revenue of $801M and earnings per share (EPS) of $2.64. Net income for the quarter was $162M. Gross margin was 0.0%. Operating income came in at $210M.
In FY 2025, Hilltop Holdings Inc. reported revenue of $784M and earnings per share (EPS) of $2.64. Net income for the quarter was $172M. Revenue grew -34.0% year-over-year compared to FY 2024. Operating income came in at $221M.
In Q3 2025, Hilltop Holdings Inc. reported revenue of $200M and earnings per share (EPS) of $0.74. Net income for the quarter was $47M. Revenue grew -5.1% year-over-year compared to Q3 2024. Operating income came in at $61M.
In Q2 2025, Hilltop Holdings Inc. reported revenue of $197M and earnings per share (EPS) of $0.57. Net income for the quarter was $38M. Revenue grew -4.8% year-over-year compared to Q2 2024. Operating income came in at $49M.
Over the past 8 quarters, Hilltop Holdings Inc. has demonstrated a growth trajectory, with revenue expanding from $207M to $801M. Investors analyzing HTH stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
HTH Dividend Yield and Income Analysis
Hilltop Holdings Inc. (HTH) currently pays a dividend yield of 2.1%. At this yield, a $10,000 investment in HTH stock would generate approximately $$212.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning HTH yields less than the typical sector peer. With a net margin of 20.3%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
HTH Momentum and Technical Analysis Profile
Hilltop Holdings Inc. (HTH) has a momentum factor score of 54/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 35/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 13/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
HTH vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, Hilltop Holdings Inc. (HTH) ranks #634 out of 891 stocks based on the Blank Capital composite score. This places HTH in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing HTH against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full HTH vs S&P 500 (SPY) comparison to assess how Hilltop Holdings Inc. stacks up against the broader market across all factor dimensions.
HTH Next Earnings Date
No upcoming earnings date has been announced for Hilltop Holdings Inc. (HTH) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy HTH? — Investment Thesis Summary
The quantitative profile for Hilltop Holdings Inc. suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 73/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 90/100) reduces downside risk.
In summary, Hilltop Holdings Inc. (HTH) earns a Reduce rating with a composite score of 41.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on HTH stock.
Related Resources for HTH Investors
Explore more research and tools: HTH vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare HTH head-to-head with peers: HTH vs WTM, HTH vs OPY, HTH vs ACT.