Hilltop Holdings Inc. (HTH)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Hilltop Holdings as a financial conglomerate, not a simple bank. It operates banking, broker-dealer, and mortgage origination, so quality depends on credit discipline, trading and underwriting, and mortgage cycles — none of which are fully visible in the data. The filed figures show FY2025 net income of $165.6M and diluted EPS of $2.64, up from FY2024's $113.2M and $1.74 and FY2023's $109.6M and $1.69. But recent quarters are softer: fiscal Q2 2026, ended 2026-06-30, had net income of $36.5M and diluted EPS of $0.63, after $37.8M and $0.64 in fiscal Q1 2026 and $41.6M and $0.69 in fiscal Q4 2025. The FairStock Lynch category says Slow Grower — Shrinking, with profit down 18.0% a year over five years, and the 10.92 PEG and 1.24% profit growth support that. At the 2026-10-13 close of $36.56, FairStock shows P/E 13.54 and P/B 0.98. A sub-book multiple can be an opportunity, but with ROE of 7.60% and Piotroski 3/9, it also signals weak profitability. The 2.19% dividend and 0.89 beta are supportive, yet this is not a high-return compounder. Bank-specific measures — CET1, net interest margin, efficiency ratio, credit costs, and combined ratio — are absent, so I cannot judge leverage or underwriting risk properly. Price looks fair to slightly cheap on assets, but the business quality is mediocre until returns improve.

In plain English: Hilltop Holdings is a financial company that runs a bank, a brokerage, and a mortgage business. It earns modest returns, and profits have been uneven, with recent quarters weaker than earlier ones. At $36.56, the stock trades near the value of its net assets and at a modest multiple of annual profit, so the price looks roughly fair to slightly cheap, but the business does not look strong.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer