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Earnings transcript
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HTH
Hilltop Holdings Inc.
$37.88
0.43
(1.15%)
| Exchange: | NYSE |
| Market Cap: | 2.217B |
| Shares Outstanding: | 3.116M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Jeremy Blue Ford | |||||
| Full Time Employees: | 3616 | |||||
| Address: |
| |||||
| Website: | https://www.hilltop-holdings.com |
Hilltop Holdings Inc., a Dallas, Texas-based entity established in 1998, delivers a comprehensive suite of financial products and services, catering to both corporate and individual clients. Its operations are structured into three primary divisions: Banking, Broker-Dealer activities, and Mortgage Origination. The Banking division encompasses a range of deposit products, including checking (both standard and interest-bearing), savings, money market accounts, and certificates of deposit. It extends various credit facilities such as lines and letters of credit, home improvement and equity financing, loans for securities acquisition, equipment leasing and loans, agricultural and commercial real estate funding, alongside commercial, industrial, term, and construction loans. Additionally, this segment offers treasury, wealth, and asset management services, along with essential banking conveniences like check cards, safe deposit boxes, online banking, bill payment, trust services, and overdraft protection. Further specialized offerings include estate planning, investment portfolio administration, employee benefit accounts, individual retirement accounts, and ATM access. The Broker-Dealer segment focuses on public finance, aiding governmental and municipal entities with the origination, syndication, and distribution of their securities. It also delivers specialized advisory and investment banking solutions, including counsel on arbitrage rebate compliance, portfolio oversight, and the administration of local government investment pools. Structured finance services, encompassing advice on derivatives and commodities, are also part of its portfolio. The segment actively engages in the sale, trading, and underwriting of a broad spectrum of fixed-income securities, such as U.S. government and agency bonds, corporate and municipal bonds, as well as mortgage-backed, asset-backed, commercial mortgage-backed securities, and other structured products. Other offerings include asset and liability management advisory, clearing services, retail brokerage, and securities lending. Finally, the Mortgage Origination unit is dedicated to originating a variety of residential mortgage loans, including conventional, jumbo, FHA (Federal Housing Administration), VA (Veterans Affairs), and USDA (United States Department of Agriculture) programs.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,503,625 | 1,541,151 | 1,625,191 |
| Gross Profit | 1,113,705 | 1,121,619 | 1,274,536 |
| EBITDA | 168,749 | 174,205 | 221,063 |
| Operating Income | 149,119 | 154,257 | 221,063 |
| Net Income | 109,646 | 113,213 | 165,591 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 16,466,996 | 16,268,129 | 15,844,994 |
| Total Liabilities | 14,316,667 | 14,049,817 | 13,647,388 |
| Total Stockholders Equity | 2,122,967 | 2,189,965 | 2,168,401 |
| Total Debt | 1,391,057 | 1,348,027 | 1,063,734 |
| Cash and Cash Equivalents | 1,858,700 | 2,298,977 | 1,232,594 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 443,023 | 273,932 | 0 |
| Capital Expenditure | -8,488 | -7,131 | 0 |
| Free Cash Flow | 434,535 | 266,801 | 0 |
| Net Income | 117,979 | 123,210 | 165,591 |
| Net Change in Cash | 268,846 | 453,845 | -2,370,590 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,290,933.068 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,302,476.666 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,299,239.250 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 202,936.596 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 204,751.267 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 204,242.340 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 146,021.044 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 154,646.667 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 150,333.856 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 648,561.192 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 654,360.664 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 652,734.195 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.390 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.470 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.330 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: HTH demonstrates robust revenue and net income figures as per the latest income statements, indicating a solid operational foundation. The consistent growth in operating cash flow and free cash flow reflects efficient capital management and the ability to fund internal growth initiatives.
- Favorable Valuation Metrics: The current price-to-earnings ratio (P/E TTM) and price-to-sales ratio (P/S TTM) suggest that HTH is reasonably valued compared to industry averages, providing a stable investment profile. Forward P/E ratios indicate potential for sustained investor confidence based on projected earnings.
- Positive Industry Positioning: HTH benefits from strong performance metrics within its sector, with performance data (perf1w, perf1m, perf3m) showing outperformance relative to industry averages (industry_perf1w, industry_perf1m), highlighting competitive strength in its market segment.
- Operational Efficiency: High gross profit margin (grossProfitMarginTTM) and return on invested capital (roicTTM) indicate effective cost management and capital utilization, positioning HTH as a financially disciplined entity within its industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HTH intrinsic value between $52.82 – $60.35 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about HTH valuation
Is Hilltop Holdings Inc. (HTH) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Hilltop Holdings Inc. (HTH) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HTH a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HTH trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HTH’s P/E ratio?
You can see HTH’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HTH?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HTH a good long-term investment?
Whether HTH fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
HTH
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Daily snapshot
1.15
Trading Metrics:
| Open: | 37.77 | Previous Close: | 37.45 | |
| Day Low: | 37.67 | Day High: | 38.01 | |
| Year Low: | 28.92 | Year High: | 40.41 | |
| Price Avg 50: | 37.2 | Price Avg 200: | 35.52 | |
| Volume: | 12671 | Average Volume: | 344895 |
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Welcome to MARKETSNAP’s SWOT analysis for Hilltop Holdings! Hey everyone, I’m thrilled to dive into this financial services player with you today. If you’re looking to build wealth over the long haul, stick around as we unpack what makes Hilltop Holdings tick, where it’s shining, and where it might face some headwinds. Let’s get right into it with a quick overview of who they are and what’s been happening with this stock lately. Overview of Hilltop Holdings For those who…
