Is Hilltop Holdings (HTH) overvalued or fairly valued?

MarketChacha shows Hilltop Holdings's valuation in context — a trailing P/E of about 14.4, a forward P/E of about 15.9, a price-to-book of about 1.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Hilltop Holdings's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.75×) from reported figures — education, not a rating.

What is the share price of Hilltop Holdings (HTH)?

Hilltop Holdings last traded at $38.08 (-0.5% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Hilltop Holdings

HTH · NYSE · Financials · United States

$38.08-0.5%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:28 PM

Snapshot

TickerHTH

ExchangeNYSE

SectorFinancials

IndustryFinancial Conglomerates

CountryUnited States

Employees3,520

HeadquartersDallas, United States

Market cap$2.2B

P/E (TTM)14.4

P/B1.0

Volume83.87K

Websitewww.hilltop.com

Filings tracked4

About Hilltop Holdings

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders32.1%
Institutions58.2%
Public & other9.7%

328 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.11.30%
Dimensional Fund Advisors LP4.48%
State Street Corporation4.31%
Vanguard Portfolio Management LLC4.25%
Vanguard Capital Management LLC3.03%
Geode Capital Management, LLC1.79%
Charles Schwab Investment Management, Inc.1.20%
Jacobs Levy Equity Management, Inc.1.15%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

Latest ROE of 7.6% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion1.75×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Return on equity7.6%

Latest ROE of 7.6% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $325.0M · EPS 0.64

Est. earnings growth -13.2%

Next fiscal year

Rev $1.3B · EPS 2.40

Est. earnings growth +1.2%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$29.2052-wk range$40.41

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$2.2B

Day change

-0.5%

P/E (TTM)

14.4

Fwd P/E

15.9

P/B

1.0

Div yield

1.99%

Beta

0.87

ROE

7.6%

Profit CAGR (2y)

+22.9%

EPS (FY2025)

2.64

Net profit (FY2025)

$165.6M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about HTH

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Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$165.6M	2.64	7.6%
FY2024	$113.2M	1.74	5.2%
FY2023	$109.6M	1.69	5.2%

Quarterly

Period	Net profit	EPS
2026Q1	$37.8M	0.64
2025Q4	$41.6M	0.69
2025Q3	$45.8M	0.74
2025Q2	$36.1M	0.57
2025Q1	$42.1M	0.65
2024Q4	$35.5M	0.55
2024Q3	$29.7M	0.46
2024Q2	$20.3M	0.31
2024Q1	$27.7M	0.42
2023Q4	$28.7M	0.44
2023Q3	$37.0M	0.57
2023Q2	$18.1M	0.28
2023Q1	$25.8M	0.40

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Executive/director change
SEC4/28/2026material
10-Q filing
SEC4/24/2026
8-K — Results of operations, Other events, Exhibits
SEC4/23/2026material
8-K — Reg FD disclosure, Exhibits
SEC4/23/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.