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what it is
Hilltop makes money from banking, bond trading, wealth advice, and home loans across the U.S.
how it gets paid
Last year Hilltop made $784M in revenue.
why it's growing
Revenue grew 304.5% last year. EPS rose 25% vs. prior year even as revenue fell 7%.
what just happened
Latest quarter revenue was $194M, while EPS rose to $0.69, up 25% vs. prior year.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
50/100 earnings predictability — expect surprises
14.2x trailing p/e — the market's not buying it — or you found a deal
2.3% dividend yield — cash in your pocket every quarter
$1.74 fy2024 eps est
xvary composite: 67/100 — average
What they do
Hilltop makes money from banking, bond trading, wealth advice, and home loans across the U.S.
The edge is reach with a local face. Hilltop had $15.6 billion in assets and $10.7 billion in deposits at September 30, 2025, which means you are not betting on a tiny niche lender. The sticky part is relationship banking and advisory work together: your deposits, cash management, and investment needs can sit inside one system, which makes leaving annoying.
How they make money
$784M
annual revenue · their business grew +304.5% last year
total revenue
$784M
+304.5%
The products that matter
business and personal banking
Banking Segment
4–6% loan growth target for 2026
this is the core earnings engine. management needs 4–6% average bank loan growth in 2026 for the current valuation to hold up.
core driver
advisory and treasury services
Wealth & Investment Management
$42M net income last quarter
fee income helps diversify the bank, but $42M of quarterly net income tells you this is still a modest earnings base, not a giant cushion.
fee income
origination and servicing
Mortgage Operations
2026 swing factor
this is the volatility pocket. weak asset quality and subdued originations were flagged as recent pressure points, and they sit inside a year where EPS is expected to fall 17.4%.
volatility
Key numbers
$10.7B
total deposits
Deposits are customer money parked at the bank → plain English: cheap funding → so what: $10.7 billion gives Hilltop a real base to lend and earn from.
$348M
long-term debt
Debt → borrowed money → so what: it is 14% of capital, which is noticeable but not the kind of leverage that usually breaks a bank.
14.2x
trailing p/e
P/E → price compared with annual profit → so what: you are paying a middle-of-the-road multiple for a business with uneven revenue trends.
2.3%
dividend yield
Dividend yield → cash paid to shareholders each year as a share of the stock price → so what: you get some income, but this is not a high-yield story.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 2 — safer than 80% of stocks
- price stability 80 / 100
- long-term debt $348M (14% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for HTH right now.
source: institutional data · return history unavailable
What just happened
earnings improved
Latest quarter revenue was $194M, while EPS rose to $0.69, up 25% vs. prior year.
That is the whole Hilltop experience in one line. Sales slipped 7%, but profit per share still climbed, which usually means mix and cost control did more work than growth.
$194M
revenue
$0.69
eps
+25%
eps growth
the number that mattered
EPS rose 25% vs. prior year even as revenue fell 7%. Plain English: Hilltop made more per share on less business, which helps in a slow market but is hard to repeat forever.
source: company earnings report, 2026
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What could go wrong
the top risk here is paying a premium multiple for falling earnings at a regional bank.
high
multiple compression
HTH trades at 12.5x P/E versus a fair ratio of 8.2x, while 2026 EPS is expected to fall 17.4%.
if profits fall and the multiple shrinks at the same time, you get hit from both directions.
med
loan growth misses the script
management is guiding for 4–6% average bank loan growth in 2026. that is not a nice-to-have. that's the earnings bridge.
if growth lands below the range, the bank looks like a slower grower trading at a faster-grower multiple.
med
mortgage and asset-quality drag
weak asset quality and subdued originations were already cited as recent pressure points. those are exactly the issues you do not want hanging around during an earnings downcycle.
this can keep returns low even if the broader banking segment stays stable.
med
regulatory approvals and operating constraints
an SEC filing from apr 3, 2025 flagged the risk that required approvals may not be obtained for certain activities.
hard to model, but real. banks do not get to improvise around regulators.
If earnings fall 17.4% and the P/E drifts from 12.5x toward 8.2x, the stock has two problems instead of one.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
expected on apr 16, 2026. consensus sits at $0.54 EPS. if the quarter misses, the "just wait for loan growth" thesis gets thinner fast.
growth
loan growth against the 4–6% target
this is the number management has handed you. a bank with falling earnings needs the loan book to do some real lifting.
credit
asset quality and mortgage pressure
recent commentary already flagged weak asset quality and subdued originations. if that language gets worse next quarter, the turnaround story gets delayed again.
valuation
premium multiple versus bank peers
14.2x trailing earnings versus an 11.3x industry average is manageable only if earnings stop sliding. that's the quiet part.
Analyst rankings
earnings predictability
50 / 100
middle of the road. in human-speak, analysts do not see this as a smooth, easily modeled earnings story.
risk rank
2
safer than about 80% of stocks. the balance sheet looks steadier than the income statement.
price stability
80 / 100
the stock usually moves more like a bank than a biotech. that helps, but it doesn't rescue a weak earnings trend.
source: institutional data
Institutional activity
institutional ownership data for HTH is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$36
current price
n/a
target midpoint · n/a from current
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