Hilltop Holdings Inc (HTH) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Hilltop Holdings Inc stock $37.91, price $36.40, upside +4.1%, quality 51 out of 100. Rating: fairly valued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
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Hilltop Holdings Inc
HTH · USThe stock costs about what our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $22.53 – $39.79 · fair‑value band $31.03 – $47.38 · the $36.40 price screens below the $37.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 9, 2026.
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Company profile
Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination.
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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.
Stock analysis
Hilltop Holdings Inc (HTH) currently trades at $36.40, while our model-based Fair Value estimate is $37.91, so the stock looks roughly fairly valued today (gap 4.0%).
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Valuation
Bull case: the DCF Models group reads highest at a median of $222.04 per share, and 5 of the 9 models we run sit above the $36.40 price.
Bear case: the Dividend Discount group reads lowest at $13.14, and 4 of the 9 models stay below the price. Data coverage for this calculation is high.
Scenario range: $31.03 (bear) to $47.38 (bull), the price of $36.40 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Hilltop Holdings Inc reported revenue of $1.6B in FY2025 versus $1.9B in FY2021, a compound −3.2%/yr. Reported net income was $166M in FY2025, compounding −18.5%/yr from FY2021.
Key figures
Market cap $2.1B Mid · P/E ratio 15.2 · P/S ratio 1.71 · EPS (TTM) $2.40 · Dividend yield 2.2% · Net margin 11.4% · Return on equity 6.7% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at 4%, HTH screens cheaper than that median.
Fair Value models
All 9 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director sold shares worth $4.0M and none bought.
- SaleRhodes R BobbittDirector6× since May 13, 2026: 102,555 shares, avg. $38.96$4.0MAug 24, 2026
- SaleKeith E. BornemannChief Accounting Officer2× since Nov 25, 2025: 4,200 shares, avg. $36.43$153,000May 5, 2026
- SaleTurtle Creek Revocable Trust10% owner259,771 shares at $37.98$9.9MMar 5, 2026
- SaleSteve B ThompsonPrimeLending President and CEO9,025 shares at $39.84$359,556Feb 6, 2026
- SaleMartin Bradley WingesHilltop Securities CEO26,000 shares at $38.46$999,970Feb 3, 2026
Plus 33 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
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Compare Hilltop Holdings Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Financial Conglomerates · 49 stocks
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Guosen Securities Co 002736 | ¥9.03 | ¥15.33 | +70% | vs HTH |
| ORIX Corporation IX | $34.85 | $59.05 | +69% | vs HTH |
| China Galaxy Securities Co 601881 | ¥11.81 | ¥12.36 | +5% | vs HTH |
| CNPC Capital Company 000617 | ¥6.49 | ¥6.25 | −4% | vs HTH |
| Voya Financial, Inc VOYA | $99.01 | $60.87 | −39% | vs HTH |
| Aditya Birla Capital Limited ABCAPITAL | ₹398.80 | ₹217.72 | −45% | vs HTH |
| Storebrand ASA STB | kr 200.00 | kr 108.73 | −46% | vs HTH |
| Bajaj Finserv Ltd BAJAJFINSV | ₹1,865 | ₹796.21 | −57% | vs HTH |
| Yuanta Financial Holding 2885 | 69.40 TWD | 23.12 TWD | −67% | vs HTH |
| Freedom Holding FRHC | $178.85 | $23.86 | −87% | vs HTH |
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Key figures of Hilltop Holdings Inc
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