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Upturn AI SWOT - About
HTH 
Hilltop Holdings Inc (HTH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/28/2025: HTH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34.67
1 Year Target Price $34.67
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -28.37% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.08B USD | Price to earnings Ratio 15.24 | 1Y Target Price 34.67 |
Price to earnings Ratio 15.24 | 1Y Target Price 34.67 | ||
Volume (30-day avg) 4 | Beta 0.87 | 52 Weeks Range 26.21 - 36.14 | Updated Date 10/27/2025 |
52 Weeks Range 26.21 - 36.14 | Updated Date 10/27/2025 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 2.16 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.49 | Actual 0.74 |
Profitability
Profit Margin 12.67% | Operating Margin (TTM) 18.28% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 7.55% |
Valuation
Trailing PE 15.24 | Forward PE 13.7 | Enterprise Value 2423645184 | Price to Sales(TTM) 1.65 |
Enterprise Value 2423645184 | Price to Sales(TTM) 1.65 | ||
Enterprise Value to Revenue 2.18 | Enterprise Value to EBITDA - | Shares Outstanding 61326000 | Shares Floating 42519075 |
Shares Outstanding 61326000 | Shares Floating 42519075 | ||
Percent Insiders 31.31 | Percent Institutions 60.28 |
Upturn AI SWOT
Hilltop Holdings Inc
Company Overview
History and Background
Hilltop Holdings Inc. was founded in 1998 as a financial holding company. It has grown through acquisitions and organic expansion, transforming from a thrift to a diversified financial services provider.
Core Business Areas
- PlainsCapital Bank: Commercial banking franchise offering a wide range of financial services, including commercial lending, treasury management, and retail banking.
- PrimeLending: Residential mortgage originator focused on purchase and refinance mortgages.
- Southwest Securities: Broker-dealer providing investment banking, institutional sales and trading, and wealth management services (now part of HilltopSecurities).
- HilltopSecurities: A full service broker-dealer providing financial advisory and investment banking services.
Leadership and Structure
The leadership team includes Jeremy Ford (CEO), William B. Furr (CFO). The organizational structure comprises various divisions, each headed by experienced executives, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Lending: Loans to businesses for working capital, expansion, and equipment financing. PlainsCapital competes with major regional and national banks. Specific market share data is not readily available, but it operates primarily in Texas. Competitors include JP Morgan Chase (JPM) and Bank of America (BAC).
- Residential Mortgages: Primelending originates residential mortgages for home purchases and refinancing. PrimeLending competes with large national lenders. Market share data fluctuates but is a small percentage of the overall market. Competitors include Rocket Companies (RKT) and United Wholesale Mortgage (UWMC).
- Investment Banking & Advisory: Southwest Securities (now HilltopSecurities) provides investment banking, advisory, and wealth management services. It competes with regional and national firms. Competitors include Raymond James Financial (RJF) and Stifel Financial (SF).
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic cycles. Banks face challenges and opportunities from fintech advancements and rising interest rates. Mortgage originators are impacted by interest rate fluctuations and housing market trends.
Positioning
Hilltop Holdings is positioned as a diversified financial services company focused on the Texas market and residential mortgage origination nationwide. Its competitive advantage lies in its regional expertise and strong customer relationships.
Total Addressable Market (TAM)
The TAM for financial services is vast, encompassing trillions of dollars. Hilltop is positioned to capture a portion of this market through its regional focus and diversified offerings, but this depends on macro economic factors.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong presence in Texas
- Experienced management team
- Solid capital base
Weaknesses
- Exposure to cyclicality of housing market
- Reliance on interest rate environment
- Geographic concentration in Texas
- Smaller scale compared to larger national competitors
Opportunities
- Expansion into new markets
- Acquisitions of complementary businesses
- Increased adoption of digital banking services
- Growing demand for wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corp. (BAC)
- Rocket Companies (RKT)
- United Wholesale Mortgage (UWMC)
- Raymond James Financial (RJF)
- Stifel Financial (SF)
Competitive Landscape
Hilltop faces competition from larger national banks and mortgage lenders, but it differentiates itself through its regional expertise and focus on customer relationships.
Major Acquisitions
SWS Group (Southwest Securities)
- Year: 2015
- Acquisition Price (USD millions): 300
- Strategic Rationale: To expand its brokerage and investment banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Hilltop's growth has been a mix of organic expansion and acquisitions. The specific growth rates can be assessed based on past financial statements.
Future Projections: Analyst estimates vary but generally project continued growth, particularly in Texas and the mortgage origination business. These projections are influenced by broader economic conditions.
Recent Initiatives: Recent initiatives could include technology investments, expansion into new markets, or acquisitions, all of which would contribute to future growth.
Summary
Hilltop Holdings presents a mixed financial picture. Its strength lies in its diversified business model and Texas presence. However, it is vulnerable to the cyclical nature of housing and competition from larger firms. Strategic expansion and technology investment are vital for sustained growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Yahoo Finance
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Financial data is subject to change. Market share figures are estimates based on available data. Consult with a qualified financial advisor before making any investment decisions.
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.
About Hilltop Holdings Inc
Exchange NYSE | Headquaters 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. It 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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