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Hilltop Holdings Inc.
🏹 Trader: 🎯 Near 52W High | BRS 70 Forming View all →
$2.4B
Market Cap
12.9
P/E
1.05
PEG
ROCE
7.8%
ROE
0.07
D/E
OPM
-3.2%
% from 52W High
54
α RS
🔍 HTH is showing a high-conviction setup because it matches 4 of 37 tracked screener presets, it's within 3.2% of its 52-week high, and it's hugging the 21 EMA. Net: Broad signal stack, not a recommendation. ? Conviction 52W High Technicals
Sources
Conviction 4/37 · 3.2% from 52W high · hugging 21 EMA
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🌏 Global Investor Returns
Currency-adjusted total returns for HTH including FX impact
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

Hilltop Holdings Inc. provides business and consumer banking services.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding HTH
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 189.0K $6.8M 0.01% Mar 2026
Steve Cohen Point72 Asset Management 64.6K $2.3M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
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🎙 Management Tone Mixed → Stable 2 quarters Full tone analysis in Intelligence →
📊 MIXED Hilltop Q1 2026 net income $38M, EPS $0.64, bank NIM 3.38%, buys back $47.5M shares.
Revenue & Profitability
First quarter net income $37.8M, diluted EPS $0.64. Net interest income $112M, up 7% YoY. Non-interest income $188M. Total non-interest expenses $248M, stable YoY. Allowance for credit losses $89M, 106 bps of loans. Net charge-offs $4.3M, largely from auto note credits. Tangible book value per share $31.97. Common equity Tier 1 ratio 19.1%.
Outlook
Management sees a healthy Texas economy and constructive yield curve benefiting the bank. For mortgage, persistent headwinds include affordability and the interest rate lock-in effect, with volatility from the Iran conflict impacting rates and demand. Hilltop Securities faces volatile securities revenues linked to interest rates and liquidity. Overall, macro uncertainty from geopolitical conflicts, inflation, and oil prices is a concern.
Growth Drivers
PlainsCapital Bank expects continued core loan growth, organically recruiting bankers and expanding customer relationships. Loan pipeline remained solid, centered in commercial real estate. Core deposits are expected to stabilize and grow in second half 2026. Deposit beta of 74% on first 175 bps of Fed cuts, with expectation of 60-65% through the cycle. Average HFI loan growth guided 4-6% for full year.
Balance Sheet & CapEx
Not discussed in this earnings call.
Margins
Net interest margin reached 3.38% in Q1, considered a peak level with flat to modestly down expected going forward. Net interest income guidance assumes two additional rate cuts from Fed. Mortgage gain-on-sale margins expected stable at current levels. Hilltop Securities pre-tax margin 12.7%. Non-variable expenses expected 0-2% growth YoY, offset by productivity improvements. Interest-bearing deposit costs stabilized at 249 bps.
Key Risks
Management flagged risks from geopolitical conflicts (Iran conflict), higher interest rates, higher oil and gas prices, inflation uncertainty, and the impact of these on credit quality and mortgage demand. The auto note credit stress continued with $3.6M charge-offs. Non-performing assets increased from one commercial real estate credit. Mortgage volume highly sensitive to prevailing rates and market volatility.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-24
Q2 2026 saw net income of $36.5M, strong loan growth, and margin expansion at PlainsCapital Bank, while PrimeLending faced mortgage headwinds. HilltopSecurities posted robust gains, and capital returns increased with a higher dividend and share repurchase authorization.
Q1 2026 Q1 2026 2026-04-24
Q1 2026 net income was $38M ($0.64/share), with strong loan growth, improved margins, and robust capital. Mortgage and securities segments showed resilience despite market volatility, while guidance assumes two Fed rate cuts and modest expense growth.
Q4 2025 Q4 2025 2026-01-30
Q4 2025 net income reached $42 million, with full-year net income up 46% year-over-year. Strong loan growth, margin expansion, and robust performance in public finance and wealth management offset mortgage headwinds. Guidance anticipates stable expenses and 4%-6% loan growth in 2026.
Q3 2025 Q3 2025 2025-10-24
Q3 2025 saw $46M net income, strong bank and broker-dealer performance, but mortgage headwinds persisted. Capital ratios remain robust, with increased share repurchases and stable loan growth outlook. Credit quality improved, and risk is closely monitored.
Q2 2025 Q2 2025 2025-07-25
Q2 2025 net income was $36M with strong NIM and capital ratios, but mortgage origination faced margin pressure. Loan growth outlook was revised to 0–2% for the year, and $47M was returned to shareholders. Public finance and wealth management outperformed, while structured finance lagged.
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📊 Analysis Methodology

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
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No Investment Recommendation:
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Information Sources:
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