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Upturn AI Summary - About
Hilltop Holdings Inc(HTH)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HTH
10/02/2026: HTH (1-star) is currently NOT-A-BUY. Pass it for now.
Hilltop Holdings Inc is a diversified financial services company operating through its primary subsidiaries in banking, mortgage origination, and advisory services. The company's main strength lies in its diversified revenue model, which helps balance the cyclical nature of mortgage lending with steady income from commercial banking. Its primary growth story revolves around leveraging its regional presence and enhancing digital capabilities to drive efficiencies. However, investors must consider risks such as interest rate sensitivity, regional economic concentration, and intense competitive pressures. The stock is best suited for income-oriented or value-conscious investors looking for steady dividend potential, though it requires monitoring of interest rate and housing market trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is tied to cyclical market trends rather than rapid tech-style expansion. |
| Momentum investor | Mixed fit | Momentum is often conditional on interest rate sentiment and broader financial sector performance. |
| Value investor | Strong fit | The company often trades at valuations reflective of its steady, cash-generative banking operations. |
| Dividend investor | Strong fit | Consistent dividend payments make it an attractive option for income-focused portfolios. |
| Low-risk investor | Mixed fit | Business model sensitivity to interest rates and mortgage cycles introduces moderate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to macroeconomic factors and changes in the interest rate environment. |
| Valuation risk | Medium | While generally reasonable, valuations can expand or contract based on industry-wide sentiment. |
| Competition risk (Financial Services) | High | Competition from large national banks and agile fintech firms puts pressure on margins. |
| Business quality | Medium | The company maintains solid operations, though it is subject to the cyclicality of its segments. |
| Dividend income | Low | The dividend is generally stable, though payouts depend on continued profitability. |
| Execution risk | Medium | Successful management of diverse business units requires consistent operational oversight. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -23.54% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.17B USD | Price to earnings Ratio 14 | 1Y Target Price 41.67 |
Price to earnings Ratio 14 | 1Y Target Price 41.67 | ||
Volume (30-day avg) 319.9K shares | Beta 0.87 | 52 Weeks Range 30.12 - 40.14 | Updated Date 10/02/2026 |
52 Weeks Range 30.12 - 40.14 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 2.02% | Basic EPS (TTM) 2.71 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking | Net interest income from loans and deposit-taking activities. | The bank earns money primarily by the spread between interest earned on loans and interest paid on deposits. |
| Mortgage Origination | Fees and gains from originating and selling residential mortgage loans. | Revenue fluctuates heavily with housing market activity and mortgage interest rates. |
| Financial Advisory | Commissions, advisory fees, and investment banking income. | This segment provides fee-based income which is less capital-intensive than banking. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14 | Forward PE 13.5 | Enterprise Value 3.60B | Price to Sales(TTM) 1.71 |
Enterprise Value 3.60B | Price to Sales(TTM) 1.71 | ||
Enterprise Value to Revenue 2.23 | Enterprise Value to EBITDA - | Shares Outstanding 57.29M | Shares Floating 38.20M |
Shares Outstanding 57.29M | Shares Floating 38.20M | ||
Percent Insiders 32.7 | Percent Institutions 57.16 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Hilltop Holdings Inc
Exchange NYSE | Headquarters Dallas, TX, United States | ||
IPO Launch date 2004-02-12 | President, CEO & Chairman Mr. Jeremy Blue Ford | ||
Sector Financial Services | Industry Financial Conglomerates | Full time employees 3600 | Website https://www.hilltop.com |
Full time employees 3600 | Website https://www.hilltop.com | ||
Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.
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