Hilltop Holdings Inc. Logo

Hilltop Holdings Inc.

HTH

(3.0)
Stock Price

33,51 USD

0.67% ROA

5.27% ROE

20.87x PER

Market Cap.

2.225.548.636,00 USD

32.2% DER

1.87% Yield

9.69% NPM

Hilltop Holdings Inc. Stock Analysis

Hilltop Holdings Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Hilltop Holdings Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.96x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (32%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

ROE in an average range (5.17%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.67%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (318) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

Hilltop Holdings Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Hilltop Holdings Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Hilltop Holdings Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Hilltop Holdings Inc. Revenue
Year Revenue Growth
1999 16.116.000
2000 23.975.000 32.78%
2001 32.129.000 25.38%
2002 128.361.000 74.97%
2003 170.150.000 24.56%
2004 222.657.000 23.58%
2005 254.513.000 12.52%
2006 244.111.000 -4.26%
2007 131.283.000 -85.94%
2008 102.545.000 -28.02%
2009 128.835.000 20.41%
2010 131.737.000 2.2%
2011 152.188.000 13.44%
2012 203.472.000 25.2%
2013 1.052.914.000 80.68%
2014 1.160.452.000 9.27%
2015 1.472.557.000 21.19%
2016 1.640.107.000 10.22%
2017 1.626.812.000 -0.82%
2018 1.459.114.000 -11.49%
2019 1.647.322.000 11.43%
2020 2.114.646.000 22.1%
2021 1.833.257.000 -15.35%
2022 700.319.000 -161.77%
2023 1.249.996.000 43.97%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Hilltop Holdings Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Hilltop Holdings Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 5.435.000
2000 7.173.000 24.23%
2001 9.047.000 20.71%
2002 0 0%
2003 16.834.000 100%
2004 29.361.000 42.67%
2005 27.634.000 -6.25%
2006 19.651.000 -40.62%
2007 9.414.000 -108.74%
2008 8.115.000 -16.01%
2009 7.154.000 -13.43%
2010 7.433.000 3.75%
2011 8.870.000 16.2%
2012 175.189.000 94.94%
2013 613.756.000 71.46%
2014 624.382.000 1.7%
2015 916.212.000 31.85%
2016 923.356.000 0.77%
2017 911.695.000 -1.28%
2018 848.035.000 -7.51%
2019 925.205.000 8.34%
2020 1.059.645.000 12.69%
2021 1.007.235.000 -5.2%
2022 773.688.000 -30.19%
2023 692.780.000 -11.68%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Hilltop Holdings Inc. EBITDA
Year EBITDA Growth
1999 22.886.000
2000 -4.136.000 653.34%
2001 -15.000 -27473.33%
2002 -6.231.000 99.76%
2003 15.161.000 141.1%
2004 -10.928.000 238.74%
2005 -95.248.000 88.53%
2006 61.111.000 255.86%
2007 306.108.000 80.04%
2008 -39.985.000 865.56%
2009 -1.480.000 -2601.69%
2010 233.000 735.19%
2011 -9.826.000 102.37%
2012 926.000 1161.12%
2013 175.106.000 99.47%
2014 121.607.000 -43.99%
2015 259.783.000 53.19%
2016 238.013.000 -9.15%
2017 314.225.000 24.25%
2018 297.250.000 -5.71%
2019 293.783.000 -1.18%
2020 602.837.000 51.27%
2021 517.099.000 -16.58%
2022 320.893.000 -61.14%
2023 210.088.000 -52.74%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Hilltop Holdings Inc. Gross Profit
Year Gross Profit Growth
1999 16.116.000
2000 23.975.000 32.78%
2001 32.129.000 25.38%
2002 128.361.000 74.97%
2003 159.453.000 19.5%
2004 202.445.000 21.24%
2005 216.185.000 6.36%
2006 224.373.000 3.65%
2007 131.283.000 -70.91%
2008 102.545.000 -28.02%
2009 128.835.000 20.41%
2010 131.737.000 2.2%
2011 152.188.000 13.44%
2012 203.472.000 25.2%
2013 1.052.914.000 80.68%
2014 1.078.320.000 2.36%
2015 1.472.557.000 26.77%
2016 1.590.917.000 7.44%
2017 1.540.926.000 -3.24%
2018 1.396.523.000 -10.34%
2019 1.647.322.000 15.22%
2020 2.114.646.000 22.1%
2021 1.833.257.000 -15.35%
2022 700.319.000 -161.77%
2023 787.396.000 11.06%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Hilltop Holdings Inc. Net Profit
Year Net Profit Growth
1999 0
2000 -14.110.000 100%
2001 -13.117.000 -7.57%
2002 -40.834.000 67.88%
2003 -34.420.000 -18.63%
2004 -85.693.000 59.83%
2005 -184.473.000 53.55%
2006 -17.418.000 -959.09%
2007 293.235.000 105.94%
2008 -22.585.000 1398.36%
2009 -2.112.000 -969.37%
2010 -548.000 -285.4%
2011 -6.531.000 91.61%
2012 -5.592.000 -16.79%
2013 125.342.000 104.46%
2014 111.650.000 -12.26%
2015 210.973.000 47.08%
2016 145.894.000 -44.61%
2017 132.544.000 -10.07%
2018 121.441.000 -9.14%
2019 225.291.000 46.1%
2020 447.836.000 49.69%
2021 374.495.000 -19.58%
2022 113.134.000 -231.02%
2023 148.168.000 23.64%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Hilltop Holdings Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 -2 100%
2001 -1 -100%
2002 -3 50%
2003 -2 0%
2004 -2 0%
2005 -4 50%
2006 0 0%
2007 5 100%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 100%
2014 1 0%
2015 2 50%
2016 1 -100%
2017 1 0%
2018 1 0%
2019 2 50%
2020 5 60%
2021 5 -25%
2022 2 -300%
2023 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Hilltop Holdings Inc. Free Cashflow
Year Free Cashflow Growth
1999 -1.969.000
2000 -3.177.000 38.02%
2001 6.626.000 147.95%
2002 14.267.000 53.56%
2003 -17.598.000 181.07%
2004 -617.503.000 97.15%
2005 -169.514.000 -264.28%
2006 12.160.000 1494.03%
2007 -47.267.000 125.73%
2008 -7.288.000 -548.56%
2009 17.185.000 142.41%
2010 9.529.000 -80.34%
2011 -3.618.000 363.38%
2012 96.509.000 103.75%
2013 363.639.000 73.46%
2014 -134.606.000 370.15%
2015 4.467.000 3113.34%
2016 -225.289.000 101.98%
2017 -357.455.000 36.97%
2018 321.461.000 211.2%
2019 -475.310.000 167.63%
2020 242.690.000 295.85%
2021 740.871.000 67.24%
2022 1.179.650.000 37.2%
2023 501.035.000 -135.44%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Hilltop Holdings Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 -1.969.000
2000 -3.177.000 38.02%
2001 6.626.000 147.95%
2002 14.267.000 53.56%
2003 10.686.000 -33.51%
2004 27.034.000 60.47%
2005 7.035.000 -284.28%
2006 37.049.000 81.01%
2007 -46.866.000 179.05%
2008 -7.190.000 -551.82%
2009 18.900.000 138.04%
2010 9.851.000 -91.86%
2011 -3.322.000 396.54%
2012 113.921.000 102.92%
2013 396.705.000 71.28%
2014 -91.420.000 533.94%
2015 35.737.000 355.81%
2016 -183.348.000 119.49%
2017 -326.303.000 43.81%
2018 389.540.000 183.77%
2019 -433.023.000 189.96%
2020 280.436.000 254.41%
2021 765.622.000 63.37%
2022 1.189.448.000 35.63%
2023 503.531.000 -136.22%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Hilltop Holdings Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 28.284.000 100%
2004 644.537.000 95.61%
2005 176.549.000 -265.08%
2006 24.889.000 -609.35%
2007 401.000 -6106.73%
2008 98.000 -309.18%
2009 1.715.000 94.29%
2010 322.000 -432.61%
2011 296.000 -8.78%
2012 17.412.000 98.3%
2013 33.066.000 47.34%
2014 43.186.000 23.43%
2015 31.270.000 -38.11%
2016 41.941.000 25.44%
2017 31.152.000 -34.63%
2018 68.079.000 54.24%
2019 42.287.000 -60.99%
2020 37.746.000 -12.03%
2021 24.751.000 -52.5%
2022 9.798.000 -152.61%
2023 2.496.000 -292.55%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Hilltop Holdings Inc. Equity
Year Equity Growth
1999 88.442.000
2000 138.191.000 36%
2001 158.774.000 12.96%
2002 299.765.000 47.03%
2003 265.345.000 -12.97%
2004 659.047.000 59.74%
2005 444.095.000 -48.4%
2006 419.236.000 -5.93%
2007 824.185.000 49.13%
2008 791.455.000 -4.14%
2009 783.777.000 -0.98%
2010 653.055.000 -20.02%
2011 655.383.000 0.36%
2012 1.144.496.000 42.74%
2013 1.311.141.000 12.71%
2014 1.460.452.000 10.22%
2015 1.736.954.000 15.92%
2016 1.870.509.000 7.14%
2017 1.912.081.000 2.17%
2018 1.973.893.000 3.13%
2019 2.128.796.000 7.28%
2020 2.350.647.000 9.44%
2021 2.549.203.000 7.79%
2022 2.072.099.000 -23.03%
2023 2.106.862.000 1.65%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Hilltop Holdings Inc. Assets
Year Assets Growth
1999 240.825.000
2000 343.175.000 29.82%
2001 429.979.000 20.19%
2002 1.136.538.000 62.17%
2003 1.125.833.000 -0.95%
2004 1.813.002.000 37.9%
2005 1.728.481.000 -4.89%
2006 1.542.701.000 -12.04%
2007 1.085.491.000 -42.12%
2008 1.048.770.000 -3.5%
2009 1.040.752.000 -0.77%
2010 939.641.000 -10.76%
2011 925.425.000 -1.54%
2012 7.286.865.000 87.3%
2013 8.903.223.000 18.15%
2014 9.242.416.000 3.67%
2015 11.867.001.000 22.12%
2016 12.738.062.000 6.84%
2017 13.373.022.000 4.75%
2018 13.683.572.000 2.27%
2019 15.177.791.000 9.84%
2020 16.944.264.000 10.43%
2021 18.689.080.000 9.34%
2022 16.267.852.000 -14.88%
2023 16.396.858.000 0.79%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Hilltop Holdings Inc. Liabilities
Year Liabilities Growth
1999 152.383.000
2000 204.984.000 25.66%
2001 271.205.000 24.42%
2002 836.773.000 67.59%
2003 817.849.000 -2.31%
2004 1.097.296.000 25.47%
2005 1.252.484.000 12.39%
2006 1.095.323.000 -14.35%
2007 261.306.000 -319.17%
2008 257.315.000 -1.55%
2009 256.975.000 -0.13%
2010 286.586.000 10.33%
2011 270.042.000 -6.13%
2012 6.140.315.000 95.6%
2013 7.591.301.000 19.11%
2014 7.781.177.000 2.44%
2015 10.128.876.000 23.18%
2016 10.863.542.000 6.76%
2017 11.458.215.000 5.19%
2018 11.709.679.000 2.15%
2019 13.048.995.000 10.26%
2020 14.593.617.000 10.58%
2021 16.139.877.000 9.58%
2022 14.195.753.000 -13.7%
2023 14.289.996.000 0.66%

Hilltop Holdings Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.41
Net Income per Share
1.64
Price to Earning Ratio
20.87x
Price To Sales Ratio
2.37x
POCF Ratio
16.65
PFCF Ratio
17.81
Price to Book Ratio
1.07
EV to Sales
1.47
EV Over EBITDA
4.81
EV to Operating CashFlow
10.34
EV to FreeCashFlow
11.05
Earnings Yield
0.05
FreeCashFlow Yield
0.06
Market Cap
2,23 Bil.
Enterprise Value
1,38 Bil.
Graham Number
34.29
Graham NetNet
-157.05

Income Statement Metrics

Net Income per Share
1.64
Income Quality
1.18
ROE
0.05
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.74
EBT Per Ebit
0.73
Ebit per Revenue
0.18
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.73
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0.09
Gross Profit Margin
0.9
Operating Profit Margin
0.18
Pretax Profit Margin
0.13
Net Profit Margin
0.1

Dividends

Dividend Yield
0.02
Dividend Yield %
1.87
Payout Ratio
0.38
Dividend Per Share
0.64

Operating Metrics

Operating Cashflow per Share
2.05
Free CashFlow per Share
1.92
Capex to Operating CashFlow
-0.06
Capex to Revenue
-0.01
Capex to Depreciation
-0.31
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
568.15
Days Payables Outstanding
4317.71
Days of Inventory on Hand
0
Receivables Turnover
0.64
Payables Turnover
0.08
Inventory Turnover
0
Capex per Share
-0.13

Balance Sheet

Cash per Share
45,62
Book Value per Share
31,94
Tangible Book Value per Share
26.5
Shareholders Equity per Share
31.94
Interest Debt per Share
15.24
Debt to Equity
0.32
Debt to Assets
0.04
Net Debt to EBITDA
-2.94
Current Ratio
1.71
Tangible Asset Value
1,73 Bil.
Net Current Asset Value
-12,78 Bil.
Invested Capital
0.32
Working Capital
0,63 Bil.
Intangibles to Total Assets
0.02
Average Receivables
1,47 Bil.
Average Payables
1,34 Bil.
Average Inventory
0
Debt to Market Cap
0.3

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Hilltop Holdings Inc. Dividends
Year Dividends Growth
2004 1
2005 1 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 1 0%

Hilltop Holdings Inc. Profile

About Hilltop Holdings Inc.

Hilltop Holdings Inc. provides business and consumer banking, and financial products and 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, equipment loans and leases, agricultural and commercial real estate loans, and other loans; and commercial and industrial loans, and term and construction finance. This segment also provides treasury management, wealth management, asset management, check cards, safe deposit boxes, online banking, bill pay, trust, and overdraft services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts, 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; structured finance services, which include advisory services for derivatives and commodities; sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds, as well as mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products. This segment also provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers mortgage, jumbo, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was founded in 1998 and is headquartered in Dallas, Texas.

CEO
Mr. Jeremy Blue Ford
Employee
3.800
Address
6565 Hillcrest Avenue
Dallas, 75205

Hilltop Holdings Inc. Executives & BODs

Hilltop Holdings Inc. Executives & BODs
# Name Age
1 Mr. Stephen B. Thompson
President & Chief Executive Officer of PrimeLending
70
2 Mr. Darren Eugene Parmenter
Executive Vice President & Chief Administrative Officer
70
3 Mr. Toby Pennycuff
Chief Information Officer
70
4 Mr. Jerry L. Schaffner
President & Chief Executive Officer of Plainscapital Bank
70
5 Mr. Jeremy Blue Ford
President, Chief Executive Officer & Director
70
6 Mr. Wayne Becker
Corporate Treasurer & Chief Investment Officer
70
7 Mr. Keith Edward Bornemann
Executive Vice President & Chief Accounting Officer
70
8 Mr. Erik Yohe
Executive Vice President of Corporate Development
70
9 Mr. Martin Bradley Winges
President & Chief Executive Officer of Hilltop Securities Inc.
70
10 Mr. William B. Furr
Executive Vice President & Chief Financial Officer
70

Hilltop Holdings Inc. Competitors