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Hilltop Holdings

HTH
70
Banks - Regional · Financial Services
Winston Score
70
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
Dividends
Good
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Winston Score History

The full picture

Hilltop Holdings is a Texas-based financial services company that operates across three main businesses: a regional bank, a mortgage origination business, and a broker-dealer. Its banking arm, PlainsCapital Bank, serves individuals and businesses primarily in Texas. The broker-dealer unit, Hilltop Securities, helps governments and municipalities raise money by issuing bonds.

The company earns money through interest on loans, fees from mortgage originations, and commissions from its securities business. It operates mainly in the United States, with a heavy concentration in Texas, and generates roughly $2.2 billion in market value. Its main competitive edge is the combination of banking, mortgage, and public finance services under one roof, which creates multiple revenue streams. The biggest risk is that rising interest rates and a slower housing market can sharply reduce mortgage origination volume, which has already pressured that segment in recent years.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+10.5% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

32.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$15.4B cash & investments at current burn rate

Revenue declining

Hilltop Holdings's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
20.0%
no trend
Exceptional — 20.0% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
3.37%
no trend
Healthy — 3.37% net interest margin
Cost of running the bank
Efficiency Ratio
61.5%
no trend
Average — 61.5% efficiency ratio

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Growth

Sales growth
Sales YoY
+2.9%
Nearly flat sales (+2.9% YoY)
Profit growth
EPS YoY
+21.1%
Earnings growing fast (+21.1% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Safety cushion
Capital Ratio
12.1%
no trend
Very well capitalised — 12.1% Tier-1 leverage

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.27%
no trend
Clean loan book — 0.27% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
-0.00%
no trend
Minimal losses — -0.00% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
14.6x
no trend
Attractive valuation — P/E 14.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-1.2
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.90%
no trend
Small dividend — 1.90% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+12.7%
no trend
Dividend growing fast (12.7% YoY)

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