📊 HTH Key Takeaways
Is Hilltop Holdings Inc. (HTH) a Good Investment?
Hilltop Holdings shows strong revenue growth (+77.9% YoY) with solid profitability margins, but concerning divergence between reported earnings and cash generation reveals underlying asset quality deterioration. Negative operating cash flow (-38.7M) combined with declining net income YoY (-3.7%) despite revenue expansion, coupled with minimal cash reserves relative to asset base, signals operational stress and limited financial flexibility.
Hilltop exhibits solid underlying profitability (28.2% operating margin, 21.1% net margin) and sound capitalization with low long-term leverage, supporting a 1.0% ROA. However, despite a sharp revenue surge and strong EPS growth, net income declined YoY and free cash flow is negative, raising questions about earnings quality and durability of growth.
Why Buy Hilltop Holdings Inc. Stock? HTH Key Strengths
- Revenue growth of 77.9% YoY demonstrates strong top-line expansion
- Robust operating margin of 28.2% and net margin of 21.1% indicate pricing power and efficient operations
- Conservative leverage with 0.07x debt/equity ratio provides buffer against market stress
- Strong operating and net margins support core profitability
- Healthy capitalization and conservative leverage (D/E 0.07x)
- Bank-like ROA (~1.0%) with notable EPS growth
HTH Stock Risks: Hilltop Holdings Inc. Investment Risks
- Negative operating cash flow (-38.7M) and free cash flow (-55.5M) indicate company is not generating cash from core operations
- Net income declined 3.7% YoY despite 77.9% revenue growth—suggests rising loan loss provisions or deteriorating asset quality
- Critically low cash position of 38.9M relative to 15.8B asset base creates liquidity vulnerability; interest coverage at 2.1x is moderate
- Earnings quality concerns: net income down YoY and negative FCF
- Rate sensitivity/earnings volatility implied by 2.1x interest coverage
- Sustainability risk from outsized 77.9% revenue growth
Key Metrics to Watch
- Operating cash flow trend and non-performing loan ratios
- Net income trajectory and loan loss provision changes
- Cash position and deposit growth rates
- Provision for credit losses and net charge-offs
- Net interest margin (NIM) and funding costs
Hilltop Holdings Inc. (HTH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
HTH Profit Margin, ROE & Profitability Analysis
HTH vs Finance Sector: How Hilltop Holdings Inc. Compares
How Hilltop Holdings Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Hilltop Holdings Inc. Stock Overvalued? HTH Valuation Analysis 2026
Based on fundamental analysis, Hilltop Holdings Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Hilltop Holdings Inc. Balance Sheet: HTH Debt, Cash & Liquidity
HTH Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Hilltop Holdings Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.69 reflects profitable operations.
HTH Revenue Growth, EPS Growth & YoY Performance
HTH Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2012 | $40.6M | $248.0K | $0.00 |
| Q2 2012 | $36.5M | -$10.4M | $-0.18 |
| Q1 2012 | $34.7M | $343.0K | $0.01 |
| Q3 2011 | $33.9M | $248.0K | $0.00 |
| Q2 2011 | $32.9M | -$2.1M | $-0.09 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Hilltop Holdings Inc. Dividends, Buybacks & Capital Allocation
HTH SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Hilltop Holdings Inc. (CIK: 0001265131)
📋 Recent SEC Filings
❓ Frequently Asked Questions about HTH
What is the AI rating for HTH?
Hilltop Holdings Inc. (HTH) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 67% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are HTH's key strengths?
Claude: Revenue growth of 77.9% YoY demonstrates strong top-line expansion. Robust operating margin of 28.2% and net margin of 21.1% indicate pricing power and efficient operations. ChatGPT: Strong operating and net margins support core profitability. Healthy capitalization and conservative leverage (D/E 0.07x).
What are the risks of investing in HTH?
Claude: Negative operating cash flow (-38.7M) and free cash flow (-55.5M) indicate company is not generating cash from core operations. Net income declined 3.7% YoY despite 77.9% revenue growth—suggests rising loan loss provisions or deteriorating asset quality. ChatGPT: Earnings quality concerns: net income down YoY and negative FCF. Rate sensitivity/earnings volatility implied by 2.1x interest coverage.
What is HTH's revenue and growth?
Hilltop Holdings Inc. reported revenue of $784.1M.
Does HTH pay dividends?
Hilltop Holdings Inc. pays dividends, with $45.4M distributed to shareholders in the trailing twelve months.
Where can I find HTH SEC filings?
Official SEC filings for Hilltop Holdings Inc. (CIK: 0001265131) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is HTH's EPS?
Hilltop Holdings Inc. has a diluted EPS of $2.64.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is HTH a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Hilltop Holdings Inc. has a SELL rating with 67% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is HTH stock overvalued or undervalued?
Valuation metrics for HTH: ROE of 7.6% (sector avg: 12%), net margin of 21.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy HTH stock in 2026?
Our dual AI analysis gives Hilltop Holdings Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is HTH's free cash flow?
Hilltop Holdings Inc.'s operating cash flow is $-38.7M, with capital expenditures of $16.8M. FCF margin is -7.1%.
How does HTH compare to other Finance stocks?
Vs Finance sector averages: Net margin 21.1% (avg: 25%), ROE 7.6% (avg: 12%), current ratio N/A (avg: 1.2).