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Texas-based holding company combining PlainsCapital Bank, PrimeLending mortgage origination and Hilltop Securities broker-dealer.
Texas-based holding company combining PlainsCapital Bank, PrimeLending mortgage origination and Hilltop Securities broker-dealer.
Three streams that behave differently: bank interest from Texas lending, fees from originating and selling home mortgages, which rise when rates fall, and commissions and underwriting fees from the broker-dealer, including public-finance work for municipalities and school districts. The Ford family is among the largest shareholders.
Moat: narrow (scale, distribution). Diversified banking, mortgage and securities units cross-sell within a Texas-centric franchise.
Headquarters: Dallas, Texas, US · Founded: 1987 · Employees: 3,550
Size Hilltop (HTH) is a United States Financials company (Regional Banks) with a market value of $2.07B, the 1769th largest of 3,117 United States companies the cockpit tracks. Shares closed at $36.40 on 6 Nov 2026.
Performance Over six months the shares fell 3.6%, against +5.0% for the median peer and -1.1% for the United States market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue fell 2.5% over the last twelve months (peer median +2.0%); the operating margin is 14.8% (peer median 37.6%).
Valuation It trades at 0.98× book value against a peer median of 1.21× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 9.1%; Hilltop delivers 6.6%, so the price asks more than the business earns today.
Short interest Short interest is 4.3% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.57B | $1.63B | $1.60B | $1.58B | $1.28B |
| Revenue growth | — | +2% | +1% | +24% | — |
| Net income | $141M | $166M | $113M | $110M | $113M |
| Free cash flow | $200M | -$95.1M | $116M | -$12.3M | $117M |
| Capital expenditure | $30.3M | $16.8M | $7.13M | $8.49M | $9.80M |
| Total debt | $1.09B | $927M | $1.29B | $1.36B | $1.45B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Hilltop HTH | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% |
| Cullen/Frost Bankers CFR | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% |
| BancFirst BANF | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% |
| Stifel Financial SF | $10.7B | -7% | +8% | 17% | 2.00× | 16.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | HTH | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.8% | +1.6% | 9th lowest of 21 |
| 6-month return | -3.6% | +5.0% | 5th lowest of 21 |
| Return on equity | 6.6% | 10.0% | 5th lowest of 21 |
| Price / book | 0.98× | 1.21× | 8th cheapest of 21 |
| Trailing P/E | 15.2× | 11.6× | 2nd most expensive of 21 |
| ROE the price implies | 9.1% | 10.4% | 9th least demanding of 21 |
| ROE delivered | 6.6% | 10.1% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| Bank of Zhengzhou 6196.HK | Hong Kong | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% | n/a |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Western Union WU | United States | $2.15B | -24% | -2% | 44% | 2.35× | 14.3% | 44.0% |
| Bank of N.T. Butterfield & Son Limited (The) NTB | United States | $2.15B | -3% | 0% | 21% | 1.94× | 12.0% | 21.1% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| Enterprise Financial Services EFSC | United States | $2.21B | +4% | +2% | 10% | 1.20× | 10.2% | 9.6% |
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| Juroku Financial Group,Inc 7380.T | Japan | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% | 6.1% |
| City Union Bank CUB.NS | India | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% | 14.1% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |