← Back to Stock Screener← Stock Screener
ZYBERNO
Stock Report
Updated Aug 31, 2026

Hilltop Holdings Inc. (HTH)

Financial Services • NYSE

$38.50
Hilltop Holdings Inc. is an American financial holding company headquartered in Dallas, Texas. The company operates PlainsCapital Bank (Texas-based commercial bank), PrimeLending (one of the largest U.S. residential mortgage lenders), and Hilltop Securities (full-service investment bank and broker-dealer specializing in municipal finance), providing a diversified mix of banking, mortgage, and financial advisory services.

Professional Investment Analysis

ZYBERNO SCORE →
Is it a great business? Is it getting better?
22.0/100
POOR BUSINESS
Hilltop Holdings Inc. (HTH) scores 22/100 — concerning metrics indicating significant structural or financial risks.
📊 How is the Zyberno Score calculated? +
VALUATION SIGNAL
⚠
Business Model Limitation
Hilltop Holdings Inc. operates in the Banking industry. Owner Earnings-based DCF analysis — the foundation of both the Margin of Safety and the Brina Gap — is not well-suited to companies whose business model is structurally built around leverage: banks, insurers, mortgage companies, and REITs. These businesses are typically valued using sector-specific metrics such as Price-to-Book, Price-to-FFO, or Net Asset Value. Treat these signals as directional only.
MARGIN OF SAFETY
Is this stock cheap or expensive relative to what the business has historically generated for owners?
Margin of Safety unavailable — insufficient data for the owner-earnings DCF.
Is the market underestimating or overestimating what this business is capable of going forward?
-5.4%
Slight Overestimate
💰 How is Margin of Safety calculated? +
📈 How is Brina Gap calculated? +

Critical Financial Health Indicators

Return on Equity (Profitability):POOR (7.4%)
Debt-to-Equity (Solvency Risk):EXCELLENT (0.10x)
Operating Margin (Operational Efficiency):EXCELLENT (27.9%)
Return on Capital (Capital Efficiency):POOR (5.9%)
📊 Valuation Trilogy
Three interconnected metrics for complete valuation analysis
💎
Intrinsic Value
DCF Fair Value
🛡️
Margin of Safety
Valuation Gap
🎯
Expected Return
Projected Annual
Click any metric for full methodology and detailed analysis
Zyberno's Verdict

Hilltop Holdings Inc. (HTH) stock report — Zyberno Score 22/100 (POOR BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, Hilltop Holdings Inc. (HTH) shows a Brina Gap of -5.4%, which weakens the case: based on the company's ROIC (5.9%) and reinvestment rate (0.7%), the business can fundamentally grow at 0.0% — but the current enterprise value implies the market expects 5.5%.

Over the trailing twelve months, HTH generated -$178.58M in Owner Earnings. Capital was deployed as follows: $47.54M returned via share buybacks, $45.67M paid as dividends, $22.66M invested in capital expenditures. Reinvestment rate: 0.7%.

DIVISION I: EXECUTIVE SUMMARY
A. Market Valuation

Market Price & Capitalization (2)

Current Price:38.50
Market Cap:$2.23B

Valuation Multiples (4)

P/E Ratio:
14.26x
📊 Click to view full HTH P/E analysis →
P/B Ratio:1.03x
P/S Ratio:2.90x
Peg Ratio:0.68x

Enterprise Metrics (2)

Enterprise Value:$2.82B
Ev Ebitda Ratio:12.66x

Price Action & Momentum (3)

12-1 Momentum:
+33.2% (71th pctile)
📈 Click to view full HTH Momentum analysis →
Momentum Percentile:71 / 100
% of 52-Week High:95.3%
B. Profitability Assessment

Return Metrics (7)

ROE:
7.4%
📊 Click to view full HTH ROE analysis →
ROA:1.0%
Roic:
5.9%
📊 Click to view full HTH ROIC analysis →
Reinvestment Rate:0.7%
Fundamental Growth Rate (g):0.0%
Market-Implied Growth Rate:5.5%
Brina Gap:
-5.4%
☷ Click to view full HTH Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:27.9%
Net Margin Ttm:21.1%
Ebitda Margin:29.1%

TTM Performance (2)

Operating Margin Ttm:27.9%
Net Margin Ttm:21.1%

Yield Metrics (2)

Earnings Yield:$7.01
Dividend Yield:2.1%
C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):
+0.37
📊 Click to view full HTH Earnings Surprise analysis →
EPS Surprise vs Expected:20.9%
Latest Earnings Filed:2026-07-24

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):0.9%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):14.8%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-46.3%
Operating Cash Flow Growth Rate (Linear):-45.5%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):14.0%
D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.07x
Quick Ratio:0.07x
Cash Ratio:0.07x

Leverage Analysis (3)

Debt To Equity Ttm:0.10x
Debt-to-Equity Ratio:0.10x
Debt To Ebitda:6.04x

Coverage Ratios (2)

Interest Coverage Ratio:0.49x
Times Interest Earned:0.49

Capital Structure (4)

Working Capital:-9,763,545,000.00
Cash And Cash Equivalents:750,508,000.00
Long Term Debt:$104.41M
Net Debt:$597.12M
DIVISION II: FINANCIAL STATEMENTS ANALYSIS
A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $767.41M
Linear Growth: 86.0%
📊 Click to view full HTH Revenue analysis & methodology →
Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00
Operating income TTM: $214.44M
Linear Growth: 14.0%
📊 Click to view full HTH Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $161.76M
Linear Growth: 14.8%
📊 Click to view full HTH Net Income analysis & methodology →
Income Before Tax:$214.44M
Ebitda Ttm:223,146,000.00

Operating Expenses (5)

Operating Expenses:1,055,863,000.00
R And D Expense:0.00
Sga Expense:0.00
Income Tax Expense:$47.86M
Interest Expense:452,863,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%
Sga To Revenue Percentage:0.0%
Ebitda Margin:29.1%
B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$16.00B
Current Assets:$750.51M
Ppe Net:0.00
Goodwill:267,447,000.00
Intangible Assets:$5.13M

Liability Structure (4)

Total Liabilities:13,844,523,000.00
Current Liabilities:10,514,053,000.00
Long Term Debt:$104.41M
Short Term Debt:$1.24B

Equity & Capital (3)

Equity:$2.16B
Retained Earnings:$1.27B
Common Stock:125,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00
Inventory:0.00
Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00
Stock Based Compensation:2,700,000.00
C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$171.81M
Linear Growth: -45.5%
Free cash flow TTM: -$194.47M
Linear Growth: -46.3%
📊 Click to view full HTH Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$127.44M
Capital Expenditures Ttm:22,662,000.00

Financing Activities (3)

Financing Cash Flow:-$105.58M
Dividends Paid Ttm:45,668,000.00
Stock Repurchase:47,541,000.00

Capital Transactions (3)

Common Stock Issuance:0.00
Long Term Debt Issuance:$268.53M
Long Term Debt Repayments:$253.49M

Non-Cash Items (1)

Depreciation Amortization Ttm:8,710,000.00
DIVISION III: OPERATIONAL METRICS
A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):2.70
Eps diluted TTM: $2.70
Linear Growth: 17.8%
📊 Click to view full HTH EPS analysis & methodology →
Earnings Per Share Ttm:$2.80

Revenue & Cash Per Share (2)

Sales Per Share Ttm:13.26
Operating Cash Flow Per Share:-$0.67

Book Value & Capital (2)

Book Value Per Share:$37.27
Cash Per Share:12.97

Dividend Policy (1)

Dividend Payout Ratio:30.09x
B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.05x
Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x
Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x
Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00
Cash Conversion Cycle:-999.00
C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00
Quality Score:60.00

Market Metrics (2)

Beta:0.00x
Volatility Category:unknown
DIVISION IV: INVESTMENT ANALYSIS
A. Value Investment Framework

Owner Earnings Analysis (1)

-$178.58M

Damodaran Growth Analysis (4)

Reinvestment Rate:0.7%
Fundamental Growth Rate (g):0.0%
Market-Implied Growth Rate:5.5%
Brina Gap:
-5.4%
☷ Click to view full HTH Brina Gap analysis →
B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):0.9%
Net Income Growth Rate (Linear):14.8%
Operating Income Growth Rate (Linear):14.0%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-46.3%
Operating Cash Flow Growth Rate (Linear):-45.5%

Other Growth Rates (1)

Book Value Growth Rate (Linear):1.9%
C. Company Profile & Context

Corporate Information (6)

Symbol:HTH
Company Name:Hilltop Holdings Inc.
Sector:Financial Services
Industry:Banking
Exchange:NYSE
Country:United States

Market Classification (3)

Market Cap Category:N/A
Price Category:medium
Volume Category:N/A

Share Structure (3)

Shares Outstanding:57.86M
Shares Outstanding Basic:57.86M
Shares Outstanding Diluted:57.95M

Data Processing Info (3)

Processing Version:v3.0
Last Updated:2026-08-31 05:22:42 UTC
Data Timestamp:2026-08-31T05:22:42.826871
Scroll to Top