HTH · Hilltop Holdings Inc.
$38.45
+0.52 (+1.37%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$2.21B
Shares
57.29M
Volume · Oct 2
348.44K
Avg daily vol (3M)
274.87K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$38.45
Open$38.28
Day$38.27–38.79
52W close$31.04–40.02
Avg vol 30d320K
Short int2.6M · 4.5% float · 10.2d
Short vol63%
Last earningsJul 24, 2026
DataJan 2020–Oct 2026
Filing10-Q · Jul 24
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 3 wks
filed Jul 24, 2026
call held Jul 24, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$1.28B
Trailing 12 months
Net income (TTM)
$161.76M
Trailing 12 months
Revenue growth YoY
+4.1%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
14.2
Trailing earnings · reciprocal yield 7.0%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-8.9%
Year over year · fewer shares
Price change (1Y)
+16.8%
Trailing year
Short interest
4.5%
Latest settlement · 10.2 days to cover
AI Brief
Q2 FY26 earnings call · Jul 24, 2026
Q2 FY26
TL;DR. Hilltop reported Q2 net income of $36.5 million ($0.63/share), with PlainsCapital Bank delivering strong loan growth and a higher NIM, Hilltop Securities posting higher pre-tax income, and the board raising the dividend 10% and boosting the buyback authorization by $75 million, while PrimeLending posted a $2 million pre-tax loss and management expects NIM to decline modestly in the second half.
Bullish
- + Raised full-year 2026 average loan growth guidance to 5%–7%.
- + Banking segment NIM expanded 4 bps QoQ to 3.42% with a 1.3% return on average assets.
- + HFI loans grew $239 million QoQ, led by $114M in CRE and $54M in C&I.
- + Board raised quarterly dividend 10% to $0.22 and increased buyback authorization by $75 million to $200 million.
- + Hilltop Securities pre-tax income rose $6 million YoY on 13% higher net revenue and expanded pre-tax margin.
Bearish
- − PrimeLending reported a $2 million pre-tax loss as the mortgage market saw a muted start to summer.
- − Mortgage gain-on-sale margins on third-party sales declined to 217 bps, down 6 bps YoY.
- − Management expects NIM to 'moderate at current levels, potentially declining modestly during the second half of the year'.
- − Classified and special mention loans increased QoQ, driven by a large single-family credit that deteriorated.
- − Noninterest expense rose $5.5 million (2%) YoY to $267 million, driven by variable compensation.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+3%
above
Price vs 50-day avg
−1%
below
RSI (14)
50
neutral
MACD trend
Negative
52-week position
83%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+2%
trailing
YTD return
+13%
this year
Relative strength
−10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $39 › 200d $38 — 50d above 200d
Institutional flow
Accumulating
1 of 235 funds reported for Sep 30 · net +162 sh shares
Insider flow
Distributing
Net -$2.5M over 90 days · 100% sells
Short interest
Rising
4.46% of float · ▲ +12.5% MoM · 10.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
235 holders — near 3-yr high, broad support
Squeeze score
71
high risk · 0–100
Fundamentals
Revenue growth
+16%
Y/Y
EPS growth
+52%
Y/Y
Valuation
P/E 14.3
below peers
Buyback
$325.0M
authorized
Balance sheet
$549.6M
net cash
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Average loan growth rate
· full-year 2026
Initiated
5% – 7%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+3%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
83%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $39 › 200d $38 — 50d above 200d
Institutional flow
Accumulating
1 of 235 funds reported for Sep 30 · net +162 sh shares
Insider flow
Distributing
Net -$2.5M over 90 days · 100% sells
Short interest
Rising
4.46% of float · ▲ +12.5% MoM · 10.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
235 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $31
Now $38 · 83%
Range high $40
vs 200-day avg +3%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average rate paid on interest-bearing deposits | 2.54% | the three months ended June 30, 2026 filing | — |
| Contractually specified servicing fees, late fees and ancillary fees earned | $1.7M | the three months ended June 30, 2026 filing | — |
| Efficiency ratio | 55.03% | Three Months Ended June 30, 2026 filing | — |
| loans sold to and retained by the banking segment | $58.7M | the three months ended June 30, 2026 filing | — |
| Mortgage Loan Originations - units | 6,973 | Three Months Ended June 30, 2026 filing | -6.2% |
|
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| Mortgage Loan Sales - volume (Banking segment) | $58.69M | Three Months Ended June 30, 2026 filing | +35.8% |
|
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| Mortgage Loan Sales - volume (Third parties) | $1.98B | Three Months Ended June 30, 2026 filing | -5.2% |
|
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| Mortgage Loan Sales - volume (Total) | $2.04B | Three Months Ended June 30, 2026 filing | -4.4% |
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| Net charge-offs | $3.2M | the three months ended June 30, 2026 filing | — |
| Net charge-offs to average total loans held for investment | -0.15% | Three Months Ended June 30, 2026 filing | — |
| Net gains from mortgage loan sales (basis points) - As reported | 223 | Three Months Ended June 30, 2026 filing | -2.2% |
|
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| Net gains from mortgage loan sales (basis points) - Broker fee income | 12 | Three Months Ended June 30, 2026 filing | +20.0% |
|
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| Net gains from mortgage loan sales (basis points) - Impact of loans retained by banking segment | -6 | Three Months Ended June 30, 2026 filing | — |
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| Net gains from mortgage loan sales (basis points) - Loans sold to third parties | 217 | Three Months Ended June 30, 2026 filing | -2.7% |
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| Net interest margin (taxable equivalent) non-GAAP | 3.23% | the three months ended June 30, 2026 filing | — |
| Net recoveries (charge-offs) to average loans outstanding | -0.16% | Three Months Ended June 30, 2026 filing | — |
| percentage of loans sold with retained servicing | 9% | the three months ended June 30, 2026 filing | — |
| PrimeLending loss ratio | 0.5% | second quarter of 2026 filing | — |
| Return on average assets | 1.28% | Three Months Ended June 30, 2026 filing | — |
| Variable compensation as a percentage of total compensation | 56.8% | Three Months Ended June 30, 2026 filing | +1.1% |
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Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Financial Conglomerates — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HTH
this stock
Hilltop Holdings Inc.
|
$2.21B | +13.3% | +15.5% | 14.3 | 4.5% |
|
IX
Orix Corp
|
$40.76B | +27.0% | +1.5% | — | 0.1% |
|
FRHC
Freedom Holding Corp.
|
$10.98B | +42.2% | +9.3% | 71.1 | 1.7% |
|
VOYA
Voya Financial, Inc.
|
$8.81B | +29.7% | +1.7% | 16.4 | 3.7% |
|
TMS
Teamshares Inc
|
$589.28M | -26.0% | — | — | 0.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HTH | -0.3% | -1.2% | +2.1% | +2.1% | +13.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.1% | -0.7% | -10.1% | +1.2% | +0.4% |
Capital returns
Buyback programs
· 2 active
· as of Jul 24, 2026
Authorized (total)
$325.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.