Hilltop Holdings Inc. (HTH)
NYSEFinancialsFinancial - ConglomeratesSnapshot 2026-09-04
$39.24+0.87%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - ConglomeratesSnapshot 2026-09-04
QuarterlyIQ Insights · HTH
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks HTH against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 0% of the last 1 guided quarters · -6.8% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on increasing average bank loans held for investment and deposits to support growth and financial stability.
Stated as a priority in 5 of last 5 quarters. Bank loans held for investment increased from approximately $7.8 billion in 2025-Q2 to $8.3 billion in 2026-Q2, a 6.9% year-over-year growth, with a 2.4% increase quarter-over-quarter. Deposits remained stable around $10.5 billion in 2026-Q2. Management consistently emphasized loan and deposit growth, and the financials show delivering progress on this priority.
“Bank loans HFI increased $194 million, or 2.4%, to $8.3 billion from Q1 2026.”
“Hilltop produced income attributable to common stockholders of $37.8 million, or $0.64 per diluted share.”
“PlainsCapital Bank produced healthy core loan and deposit growth while delivering a 1.17% return on average assets.”
“Strong core loan and deposit growth on a linked-quarter basis at PlainsCapital Bank.”
“Loan growth and deposit growth remain a focus for PlainsCapital Bank.”
Maintain dividend payouts and execute share repurchase programs to return capital to stockholders.
Stated as a priority in 5 of last 5 quarters. Hilltop returned $58.6 million to stockholders in 2026-Q2 via $11.6 million dividends and $47.0 million share repurchases, continuing a pattern of quarterly dividends around $0.18-$0.20 per share and active repurchase programs. The Board increased repurchase authorization to $200 million in July 2026. Management is delivering consistent capital return.
Focus on controlling credit losses and maintaining strong asset quality metrics across loan portfolios.
Stated as a priority in 5 of last 5 quarters. Provision for credit losses fluctuated from $9.3 million in 2025-Q2 to a $1.0 million reversal in 2026-Q2, reflecting active management of credit risk. The allowance for credit losses to loans HFI ratio improved to 1.06% in 2026-Q2. Management's focus on credit quality is reflected in these improving asset quality metrics, indicating delivering progress.
Increase mortgage loan origination volume and enhance gain on sale margins to improve mortgage segment profitability.
Stated as a priority in 4 of last 5 quarters. Mortgage origination volume grew from $2.0 billion in 2026-Q1 to $2.4 billion in 2026-Q2, an 18% increase. However, gain-on-sale margins declined by 32 basis points in the same period. Management continues to focus on volume growth while managing margins, showing mixed but active delivery.
Continue paying quarterly cash dividends with recent increases, reflecting commitment to returning capital to stockholders.
Over the trailing year it converted 1.56x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
19 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Returned $58.6 million to stockholders through dividends and share repurchases.”
“Paid $47.5 million to repurchase 1,238,216 shares pursuant to 2026 stock repurchase program.”
“Returned $60.8 million to repurchase 1,799,995 shares and declared $0.20 dividend.”
“Paid $55.1 million to repurchase shares and declared $0.18 dividend.”
“Declared quarterly cash dividend of $0.18 per common share.”
“PlainsCapital Bank recorded a reversal of credit losses of $1.0 million during Q2 2026.”
“Provision for credit losses was $1.8 million during Q1 2026.”
“Provision for credit losses was $7.8 million during Q4 2025.”
“Reversal of credit losses was $2.5 million during Q3 2025.”
“Provision for credit losses was $9.3 million during Q2 2025.”
“Origination volume of $2.4 billion increased $365 million, or 18%, from Q1 2026.”
“Mortgage loan origination production volume was $2.0 billion during Q1 2026.”
“Mortgage loan origination production volume was $2.4 billion during Q4 2025.”
“Mortgage loan origination production volume was $2.3 billion during Q3 2025.”