Hilltop Holdings Inc.
HTH NYSE· State Commercial Banks
Last close · Oct 27, 2026
$36.66
KIRA · Stoqly’s AI analyst, in plain words
- Hilltop Holdings Inc. had $1.3B of revenue in fiscal 2025, up 7.8% on the year before. Over five years, revenue changed −9.5% a year on average.
- Hilltop Holdings Inc. made $166M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 6.6% a year.
- Hilltop Holdings Inc. returned $229M to shareholders in fiscal 2025. The diluted share count fell 3.6%.
- It earned 7.6% on shareholders’ money. Running costs took 82.2% of revenue (the efficiency ratio; lower is better).
Market cap
$2.1B
P/E
15.3x
Revenue
$1.3B
Net income
$166M
Return on equity
7.6%
Efficiency ratio
82.2%
Hilltop Holdings Inc. in 30 seconds · fiscal 2025
Are sales growing?
+7.8%
Yes. Sales grew 7.8% last year.
Does it make a profit?
12.9%
Yes. It keeps 12.9% of every sale as profit.
How lean are its costs?
82.2%
Costly. Running costs take 82.2% of revenue.
How much does it earn on its capital?
7.6%
Low. It earns 7.6% a year on shareholders’ money.
How is the share priced?
15.3x
One share costs 15.3 times its yearly profit per share.
What Hilltop Holdings Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 13, 2026
- Legal name
- Hilltop Holdings Inc.
- CIK
- 0001265131
Hilltop Holdings Inc. · HTH
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.8B | $1.3B | $1.2B | $1.2B | $1.3B |
| Revenue growth | −13.3% | −29.6% | −7.4% | −0.6% | 7.8% |
| Net interest income | $423M | $459M | $467M | $418M | $441M |
| Net income | $374M | $113M | $110M | $113M | $166M |
| Net margin | 20.4% | 8.8% | 9.2% | 9.5% | 12.9% |
| Diluted EPS | $4.61 | $1.60 | $1.69 | $1.74 | $2.64 |
| Cash | |||||
| Cash from operations | $766M | $1.2B | $443M | $274M | −$38.7M |
| Capital expenditure | $24.8M | $9.8M | $8.5M | $7.1M | $16.8M |
| Free cash flow | $741M | $1.2B | $435M | $267M | −$55.5M |
| FCF margin | 40.4% | 91.3% | 36.3% | 22.4% | −4.3% |
| Dividends paid | $39.0M | $43.0M | $41.6M | $44.3M | $45.4M |
| Share buybacks | $124M | $442M | $5.1M | $19.9M | $184M |
| Share count change | −9.1% | −13.0% | −7.9% | 0.0% | −3.6% |
| Debt and strength | |||||
| Cash and short-term investments | $3.0B | $1.6B | $1.9B | $2.4B | $1.3B |
| Debt incl. finance leases | $864M | $973M | $903M | $836M | $678M |
| Loans, net | $7.8B | — | — | — | — |
| Deposits | $12.8B | $11.3B | $11.1B | $11.1B | $10.9B |
| Shareholders' equity | $2.5B | $2.0B | $2.1B | $2.2B | $2.2B |
| Returns and quality | |||||
| Return on equity | 15.5% | 5.0% | 5.3% | 5.2% | 7.6% |
| Return on tangible equity | 16.7% | 6.4% | 5.9% | 5.9% | 8.7% |
| Efficiency ratio | 75.7% | 87.3% | 86.0% | 86.9% | 82.2% |
| Piotroski F-score | 4 | 4 | 5 | 6 | 5 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$15.4M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Hilltop Holdings Inc. · HTH
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $36.66 a share, the company is worth $2.1B: 15.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001265131). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.