Hilltop Holdings Inc (HTH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Hilltop Holdings Inc $36.78, price $38.17, upside -3.6%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
- Add to watchlist
Hilltop Holdings Inc
HTH · USNeutralThe stock looks roughly fairly valued with average quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $22.66 – $40.00 · fair‑value band $30.14 – $45.97 · the $38.17 price screens above the $36.78 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. Dashed = 300-day average. As of Sep 23, 2026.
Every Wednesday you see whether Hilltop Holdings is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination.
Show more
Hilltop Holdings Inc. provides business and consumer banking services. The company 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.
Stock analysis
Hilltop Holdings Inc (HTH) currently trades at $38.17, while our model-based Fair Value estimate is $36.78, implying the stock looks roughly 3.8% fairly valued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of $261.19 per share, and 4 of the 9 models we run sit above the $38.17 price.
Bear case: the Dividend Discount group reads lowest at $11.73, and 5 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: $30.14 (bear) to $45.97 (bull), the price of $38.17 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 $2.4B · P/E ratio 14.5 · P/S ratio 1.48 · EPS (TTM) $2.63 · Dividend yield 1.9% · Net margin 10.2% · Return on equity 7.6% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −25% fair-value upside, at −4%, HTH screens cheaper than that median.
Fair Value models
All 9 models by family
Notify me when HTH reaches fair value
Put HTH on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 61
Revenue & earnings trend
Watch HTH, get fair value alerts →
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 · 57 stocks
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| ORIX Corporation IX | $39.53 | $65.68 | +66% |
| Bajaj Finserv Ltd BAJAJFINSV | ₹1,847 | ₹796.96 | −57% |
| Yuanta Financial Holding 2885 | 69.20 TWD | 21.71 TWD | −69% |
| China Galaxy Securities Co 601881 | ¥12.18 | ¥11.34 | −7% |
| Guosen Securities Co 002736 | ¥9.97 | ¥10.84 | +9% |
| CNPC Capital Company 000617 | ¥6.90 | ¥6.99 | +1% |
| Aditya Birla Capital Limited ABCAPITAL | ₹402.45 | ₹227.77 | −43% |
| Freedom Holding FRHC | $171.16 | $23.23 | −86% |
| Voya Financial, Inc VOYA | $98.04 | $72.59 | −26% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.46 | ¥5.63 | −25% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Hilltop Holdings Inc (HTH) overvalued or undervalued?
What is the fair value of HTH?
What is the quality score of HTH?
What is the price target for Hilltop Holdings Inc (HTH)?
What is the Hilltop Holdings Inc stock forecast for 2026?
What is the revenue of Hilltop Holdings Inc (HTH)?
Does Hilltop Holdings Inc pay a dividend?
What is the intrinsic value of Hilltop Holdings Inc (HTH)?
Is Hilltop Holdings Inc stock overvalued or undervalued in 2026?
Is fair value the same as the market price of HTH?
How much is Hilltop Holdings Inc worth?
What do the bullish and bearish scenarios say about HTH?
What is the P/E ratio of HTH?
What is the PEG ratio of HTH?
How solid is the balance sheet of Hilltop Holdings Inc (HTH)?
How far is HTH from its 52-week high?
Which stocks are comparable to Hilltop Holdings Inc?
Is Hilltop Holdings Inc stock attractive at the current price?
How is the fair value of HTH calculated?
Is it still worth investing in stocks now?
What is the share price of Hilltop Holdings Inc (HTH)?
What should I pay attention to with Hilltop Holdings Inc right now?
Where does the earnings growth of Hilltop Holdings Inc (HTH) come from?
Key figures of Hilltop Holdings Inc
How large is the market capitalisation of Hilltop Holdings Inc (HTH)?
What is the P/S ratio of Hilltop Holdings Inc (HTH)?
What are the earnings per share of Hilltop Holdings Inc (HTH)?
What is the dividend yield of Hilltop Holdings Inc (HTH)?
What is the net margin of Hilltop Holdings Inc (HTH)?
What is the return on equity of Hilltop Holdings Inc (HTH)?
What is the EBIT return on assets of Hilltop Holdings Inc (HTH)?
What is the operating margin of Hilltop Holdings Inc (HTH)?
How fast is revenue growing at Hilltop Holdings Inc (HTH)?
How fast are earnings growing at Hilltop Holdings Inc (HTH)?
How much free cash flow does Hilltop Holdings Inc (HTH) generate?
How much net cash does Hilltop Holdings Inc (HTH) hold?
Watch Hilltop Holdings Inc in the live analysis
One click puts Hilltop Holdings Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.