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Upturn AI SWOT - About
Hilltop Holdings Inc (HTH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $33.33
Year Target Price $33.33
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.76% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.95B USD | Price to earnings Ratio 15.41 | 1Y Target Price 33.33 |
Price to earnings Ratio 15.41 | 1Y Target Price 33.33 | ||
Volume (30-day avg) - | Beta 0.87 | 52 Weeks Range 26.36 - 34.54 | Updated Date 06/29/2025 |
52 Weeks Range 26.36 - 34.54 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 1.97 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.56% | Operating Margin (TTM) 18.65% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 6.3% |
Valuation
Trailing PE 15.41 | Forward PE 13.7 | Enterprise Value 1891928960 | Price to Sales(TTM) 1.61 |
Enterprise Value 1891928960 | Price to Sales(TTM) 1.61 | ||
Enterprise Value to Revenue 2.07 | Enterprise Value to EBITDA - | Shares Outstanding 64155200 | Shares Floating 44822640 |
Shares Outstanding 64155200 | Shares Floating 44822640 | ||
Percent Insiders 29.81 | Percent Institutions 58.66 |
Analyst Ratings
Rating 3 | Target Price 33.33 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hilltop Holdings Inc
Company Overview
History and Background
Hilltop Holdings Inc. was formed in 1998 and has evolved through strategic acquisitions, focusing on banking, mortgage origination, and financial advisory services.
Core Business Areas
- PlainsCapital Bank: Offers commercial banking services, including lending, deposit accounts, and treasury management.
- PrimeLending: A mortgage origination company offering a range of residential mortgage products.
- HilltopSecurities: Provides financial advisory and wealth management services.
Leadership and Structure
Hilltop Holdings Inc. has a board of directors and an executive leadership team managing its various business segments. The specific organizational structure is available in their SEC filings.
Top Products and Market Share
Key Offerings
- Mortgage Origination (PrimeLending): Residential mortgage loans. Market share varies regionally, with competition from Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and PennyMac Financial Services (PFSI).
- Commercial Banking (PlainsCapital Bank): Loans, deposits, and treasury management services for businesses. Competitors include larger national and regional banks such as JPMorgan Chase (JPM) and Bank of America (BAC).
- Financial Advisory (HilltopSecurities): Wealth management and investment banking services. Competitors include Morgan Stanley (MS) and Goldman Sachs (GS).
Market Dynamics
Industry Overview
The financial services industry is subject to economic cycles, regulatory changes, and technological advancements. It is intensely competitive.
Positioning
Hilltop Holdings operates in specific niches within the broader financial services industry, leveraging its banking and mortgage capabilities to provide diversified services.
Total Addressable Market (TAM)
TAM is substantial across all segments. Hilltop is positioned to capture a specific portion of the mortgage and banking market.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong regional presence (Texas)
- Experienced management team
- Healthy balance sheet
Weaknesses
- Geographic concentration
- Sensitivity to interest rate changes
- Dependence on mortgage market cycles
- Smaller scale compared to major competitors
Opportunities
- Expansion into new geographic markets
- Increased cross-selling between segments
- Acquisition of smaller competitors
- Adoption of new technologies
Threats
- Increased competition
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- RKT
- UWMC
- PFSI
Competitive Landscape
Hilltop Holdings competes with larger, more established financial institutions and specialized mortgage lenders. They differentiate through customer service and specific regional focus.
Major Acquisitions
SWS Group, Inc.
- Year: 2015
- Acquisition Price (USD millions): 332
- Strategic Rationale: Expanded the company's financial advisory and investment banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion of its business segments.
Future Projections: Analyst estimates vary. Check financial news and analysis websites for projections.
Recent Initiatives: Strategic acquisitions, technology investments, and expansion of service offerings.
Summary
Hilltop Holdings shows moderate diversification and strong regional focus, but its dependence on the mortgage market poses risks. Diversified revenue helps, but smaller scale compared to giants means managing interest rate changes is vital. Geographic concentration also presents challenges. They have a decent, but not perfect overall position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hilltop Holdings Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Articles
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Consult with a financial professional 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 3616 | Website https://www.hilltop.com |
Full time employees 3616 | 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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