HTH
Financial ServicesHilltop Holdings Inc. · Banks - Regional · $2B
What is Hilltop Holdings Inc.?
Hilltop Holdings Inc. is a Dallas-based financial services company operating across banking, broker-dealer, and mortgage origination businesses. Founded in 2004, it serves both consumers and commercial clients across multiple financial disciplines.
Hilltop generates revenue through three distinct segments. Its Banking segment offers deposit accounts, commercial and consumer loans, treasury management, and wealth services. The Broker-Dealer segment focuses on public finance, municipal securities, and structured advisory services. The Mortgage Origination segment provides home loan products. This diversified model means revenue is spread across interest income, fee-based advisory, and mortgage activity.
Hilltop Holdings was founded in 2004 and is headquartered in Dallas, Texas.
- Commercial and consumer banking products
- Municipal securities and public finance advisory
- Mortgage origination services
- Wealth and asset management
Is HTH a Good Stock to Buy?
UQS Score rates HTH as Below Average overall, reflecting broad weakness across most quality dimensions.
The one area where HTH stands out relative to its pillar profile is Valuation, which is rated Good — suggesting the market may not be pricing in a premium for the stock at current levels.
Quality, Moat, Growth, and Risk are all rated Weak, indicating limited competitive differentiation, constrained earnings momentum, and meaningful financial or operational vulnerabilities.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does HTH pay dividends?
Yes — Hilltop Holdings Inc. pays a dividend.
Hilltop Holdings pays a regular dividend, which may appeal to income-oriented investors in the financial services space. For a mid-cap bank holding company, maintaining a dividend signals a degree of capital discipline. Investors should weigh the dividend against the company's Weak Risk and Growth pillar ratings when assessing sustainability.
When does HTH report earnings?
Hilltop Holdings reports earnings on a quarterly cadence, typical for US-listed financial services companies.
Given the Weak ratings across Quality and Growth pillars, recent earnings cycles have not demonstrated consistent outperformance relative to sector peers. The mortgage origination segment in particular is sensitive to interest rate conditions, which can create quarter-to-quarter variability.
For the most recent quarter's results, visit Hilltop Holdings' investor relations page directly.
HTH Price History
+11.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Hilltop Holdings Inc.?
Based on Hilltop Holdings Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
HTH Long-term Outlook
The combination of Weak Growth and Weak Risk pillar ratings points to a cautious fundamental outlook for HTH. The mortgage origination business faces headwinds in a higher-rate environment, while the broker-dealer segment's revenue can be cyclical. The Good Valuation rating suggests limited downside pricing risk, but meaningful re-rating would likely require improvement across the Quality or Growth pillars.
Growth drivers
- Potential recovery in mortgage origination volumes if interest rates ease
- Public finance and municipal advisory activity tied to government spending cycles
- Cross-segment revenue opportunities between banking and wealth management
Key risks
- Interest rate sensitivity across both the banking and mortgage segments
- Weak Moat rating signals limited pricing power versus regional banking peers
- Cyclical broker-dealer revenues may compress during low-issuance market environments
HTH vs Peers
Hilltop Holdings competes in the regional financial services space alongside several mid-sized bank holding companies.
First Busey is a Midwest-focused community bank with a more concentrated retail and commercial banking model, lacking Hilltop's broker-dealer and mortgage origination diversification.
Nicolet Bankshares operates primarily in the upper Midwest and has pursued an acquisition-driven growth strategy, contrasting with Hilltop's multi-segment financial services approach.
NBT Bancorp is a Northeast-focused community bank emphasizing traditional deposit and lending services, without the public finance or mortgage origination segments that define Hilltop's business mix.
Frequently Asked Questions
What does Hilltop Holdings do?
Hilltop Holdings is a Dallas-based financial services company with three business segments: Banking, Broker-Dealer, and Mortgage Origination. It serves consumers and commercial clients through deposit accounts, loans, municipal securities advisory, and home mortgage products.
Does HTH pay dividends?
Yes, Hilltop Holdings pays a regular dividend. Income-focused investors may find this appealing, though the company's Weak Risk and Growth pillar ratings are worth considering alongside the dividend when evaluating total return potential.
When does HTH report earnings?
Hilltop Holdings follows a standard quarterly earnings cadence. For the most current reporting schedule and recent results, check the investor relations section of the company's official website.
Is HTH a good stock to buy?
HTH carries a Below Average UQS Score, with Weak ratings across Quality, Moat, Growth, and Risk pillars. The Valuation pillar is rated Good, which may interest value-oriented investors. The full pillar breakdown is available to UQS Pro members.
Is HTH overvalued?
The UQS Valuation pillar for HTH is rated Good, suggesting the stock is not trading at an elevated premium relative to its fundamentals. However, valuation alone does not offset the Weak ratings in other pillars — context matters for any investment decision.
How does HTH compare to its competitors?
Compared to peers like First Busey, Nicolet Bankshares, and NBT Bancorp, Hilltop's multi-segment model — spanning banking, broker-dealer, and mortgage — offers broader revenue diversification. However, that complexity also introduces more moving parts and cyclical exposure than simpler community bank peers.
What is HTH's market cap bracket?
Hilltop Holdings is classified as a mid-cap company, placing it in a tier that typically offers more liquidity than small-cap peers while remaining smaller than the largest regional bank holding companies in the financial services sector.
Who founded Hilltop Holdings?
Hilltop Holdings was established in 2004. For detailed founding history and leadership background, the company's official investor relations materials and public filings provide the most accurate account.
Is HTH a long-term quality investment?
As a long-term quality indicator, HTH's Below Average UQS Score — driven by Weak ratings across four of five pillars — suggests the business currently lacks the durable characteristics typically associated with high-conviction long-term holdings. The Good Valuation rating is the one relative bright spot.
What is the main competitive advantage of Hilltop Holdings?
Hilltop's diversification across banking, public finance advisory, and mortgage origination gives it multiple revenue streams that pure-play community banks lack. However, the Weak Moat rating in the UQS framework indicates this diversification has not yet translated into a durable competitive edge.
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Pro Analysis
HTH — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 19, 2026 | 31.3 | 27.8 | 20.0 | 22.9 | 35.3 | 63.1 | -0.5 |
| May 7, 2026 | 31.8 | 28.2 | 20.0 | 22.9 | 33.6 | 67.6 | 0.0 |
| May 3, 2026 | 31.8 | 28.2 | 20.0 | 22.9 | 33.6 | 67.7 | -0.2 |
| May 1, 2026 | 32.0 | 28.2 | 20.0 | 22.9 | 33.6 | 69.1 | +0.2 |
| Apr 26, 2026 | 31.8 | 28.2 | 20.0 | 22.7 | 33.6 | 68.1 | +0.2 |
| Apr 25, 2026 | 31.6 | 28.2 | 20.0 | 22.6 | 33.6 | 66.7 | -0.3 |
| Apr 21, 2026 | 31.9 | 28.2 | 20.0 | 22.6 | 33.6 | 68.9 | 0.0 |
| Apr 19, 2026 | 31.9 | 28.2 | 20.0 | 22.6 | 33.6 | 68.6 | 0.0 |
| Apr 18, 2026 | 31.9 | 28.2 | 20.0 | 22.6 | 33.6 | 68.9 | +1.1 |
| Apr 14, 2026 | 30.8 | 28.2 | 20.0 | 22.6 | 33.6 | 61.5 | 0.0 |
HTH — Pillar Breakdown
Quality
— 27.8/100 (25%)Hilltop Holdings Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 22.9/100 (20%)Hilltop Holdings Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 35.3/100 (15%)Hilltop Holdings Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 63.2/100 (15%)Hilltop Holdings Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Hilltop Holdings Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HTH.
Score Composition
Financial Data
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How is the HTH UQS Score Calculated?
The UQS (Unified Quality Score) for Hilltop Holdings Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Hilltop Holdings Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Hilltop Holdings Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.