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Upturn AI SWOT - About
Hilltop Holdings Inc (HTH)
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Upturn Advisory Summary
08/14/2025: HTH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $33.33
1 Year Target Price $33.33
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -27.16% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.07B USD | Price to earnings Ratio 14.77 | 1Y Target Price 33.33 |
Price to earnings Ratio 14.77 | 1Y Target Price 33.33 | ||
Volume (30-day avg) 4 | Beta 0.86 | 52 Weeks Range 26.21 - 33.91 | Updated Date 08/15/2025 |
52 Weeks Range 26.21 - 33.91 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 2.22 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.26 | Actual 0.2369 |
Profitability
Profit Margin 11.63% | Operating Margin (TTM) 15.93% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 6.98% |
Valuation
Trailing PE 14.77 | Forward PE 13.7 | Enterprise Value 2725464576 | Price to Sales(TTM) 1.67 |
Enterprise Value 2725464576 | Price to Sales(TTM) 1.67 | ||
Enterprise Value to Revenue 2.18 | Enterprise Value to EBITDA - | Shares Outstanding 63001800 | Shares Floating 43766062 |
Shares Outstanding 63001800 | Shares Floating 43766062 | ||
Percent Insiders 30.35 | Percent Institutions 58.91 |
Upturn AI SWOT
Hilltop Holdings Inc
Company Overview
History and Background
Hilltop Holdings Inc. was formed in 2007. It has grown through acquisitions and organic expansion, evolving into a diversified financial services company.
Core Business Areas
- PlainsCapital Bank: Offers commercial banking services, including lending, deposit accounts, and treasury management.
- PrimeLending: A residential mortgage originator.
- HilltopSecurities: Provides broker-dealer and investment banking services.
- National Lloyds Corporation: Underwrites and markets property and casualty insurance products.
Leadership and Structure
Hilltop Holdings Inc. has a board of directors and a senior management team overseeing its various business segments. The CEO is Jeremy B. Ford.
Top Products and Market Share
Key Offerings
- Commercial Lending: PlainsCapital Bank offers a wide range of commercial loans. Market share data not publicly available. Competitors include regional and national banks such as Bank of America (BAC) and JPMorgan Chase (JPM).
- Residential Mortgages: PrimeLending originates residential mortgages. Market share is fragmented. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC) and PennyMac Financial Services (PFSI).
- Broker-Dealer Services: HilltopSecurities provides wealth management services, fixed income services, and investment banking services. Market share data is not publicly available. Competitors include major investment banks such as Goldman Sachs (GS) and Morgan Stanley (MS).
- Property and Casualty Insurance: National Lloyds Corporation provides insurance for homeowners, renters and small business owners. Market share data is not readily available. Competitors include State Auto Financial Corp. (STFC).
Market Dynamics
Industry Overview
The financial services industry is subject to regulatory changes, economic cycles, and technological advancements. The housing market significantly impacts mortgage origination.
Positioning
Hilltop Holdings Inc. aims to be a diversified financial services provider, differentiating itself through its range of services and regional focus. PrimeLending has a good market position in mortgage origination.
Total Addressable Market (TAM)
TAM for the financial services industry is in the trillions. Hilltop's position within that TAM is focused on regional banking, mortgage origination and wealth management, representing a subset of the overall market.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong regional presence (Texas)
- Experienced management team
- Established banking and mortgage businesses
Weaknesses
- Exposure to cyclical industries (mortgages)
- Dependence on the Texas economy
- Smaller scale compared to national competitors
- Insurance business is relatively small.
Opportunities
- Expansion into new geographic markets
- Increased cross-selling among business segments
- Adoption of new technologies
- Acquisition of smaller financial institutions
Threats
- Rising interest rates
- Increased competition
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- RKT
- UWMC
- GS
- MS
Competitive Landscape
Hilltop Holdings Inc. faces competition from larger, more established financial institutions. Its diversified model provides some advantages, but scale can be a disadvantage. PrimeLending provides an edge in the mortgage market, but is susceptible to market conditions.
Major Acquisitions
SWS Group
- Year: 2015
- Acquisition Price (USD millions): 336
- Strategic Rationale: Expanded its broker-dealer and investment banking operations.
Growth Trajectory and Initiatives
Historical Growth: Historical data for Hilltop Holdings Inc. growth is required.
Future Projections: Analyst estimates need to be gathered from external sources.
Recent Initiatives: Recent initatives require continuous monitoring of the company's announcements and financials.
Summary
Hilltop Holdings is a diversified financial services company with a strong regional presence in Texas. Its diversified business model offers some stability, but it remains vulnerable to economic cycles, particularly in the mortgage market. Competition from larger national firms is a constant challenge. Strategic acquisitions and organic growth initiatives will be crucial for its future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports (where available)
- Industry publications
Disclaimers:
This analysis is based on limited information and publicly available data. It is not financial advice. Market share data is approximate and may vary based on source and methodology.
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 3700 | Website https://www.hilltop.com |
Full time employees 3700 | 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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