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Upturn AI SWOT - About
Hilltop Holdings Inc (HTH)
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Upturn Advisory Summary
04/01/2025: HTH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -19.2% | Avg. Invested days 33 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.99B USD | Price to earnings Ratio 17.61 | 1Y Target Price 34 |
Price to earnings Ratio 17.61 | 1Y Target Price 34 | ||
Volume (30-day avg) 335957 | Beta 1.14 | 52 Weeks Range 26.52 - 34.75 | Updated Date 04/2/2025 |
52 Weeks Range 26.52 - 34.75 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 1.74 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.53% | Operating Margin (TTM) 14.39% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 5.64% |
Valuation
Trailing PE 17.61 | Forward PE 13.7 | Enterprise Value 3702904320 | Price to Sales(TTM) 1.67 |
Enterprise Value 3702904320 | Price to Sales(TTM) 1.67 | ||
Enterprise Value to Revenue 2.29 | Enterprise Value to EBITDA - | Shares Outstanding 64864300 | Shares Floating 45682612 |
Shares Outstanding 64864300 | Shares Floating 45682612 | ||
Percent Insiders 29.17 | Percent Institutions 58.56 |
Analyst Ratings
Rating 2.75 | Target Price 34 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hilltop Holdings Inc
Company Overview
History and Background
Hilltop Holdings Inc. was founded in 1998 as a financial holding company. Initially focused on banking, it has diversified into mortgage origination, insurance, and wealth management through strategic acquisitions and organic growth.
Core Business Areas
- PlainsCapital Bank: Offers commercial banking services, including lending, deposit accounts, and treasury management.
- PrimeLending: A national mortgage originator, providing residential mortgage loans through a network of retail branches and online channels.
- National Lloyds Corporation: Provides property and casualty insurance products, primarily in Texas.
- HilltopSecurities: Offers wealth management and investment banking services.
Leadership and Structure
The company is led by Chairman Gerald J. Ford and President and CEO Jeremy B. Ford. It operates with a divisional structure, with each business segment having its own leadership team and reporting to the corporate office.
Top Products and Market Share
Key Offerings
- Commercial Loans (PlainsCapital Bank): Offers various commercial loans to businesses. Market share data is not readily available at the consolidated level. Competitors include regional and national banks like JPMorgan Chase, Bank of America, and Wells Fargo.
- Residential Mortgages (PrimeLending): Provides a range of residential mortgage products. Market share fluctuates with interest rates and competition, but is within the top 25 mortgage originators nationally. Competitors include Rocket Mortgage, United Wholesale Mortgage, and other large mortgage originators.
- Property & Casualty Insurance (National Lloyds): Offers property and casualty insurance policies, primarily in Texas. Market share is relatively small compared to national insurers. Competitors include State Farm, Allstate, and Farmers Insurance.
- Wealth Management Services (HilltopSecurities): Offers wealth management and investment banking services to individuals and institutions. Competitors include large brokerage firms like Morgan Stanley, Merrill Lynch, and Raymond James.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic cycles. Banking is impacted by interest rate spreads. Mortgage origination is sensitive to interest rates and housing market conditions. Insurance is influenced by weather events and claims frequency. Wealth Management follows market conditions.
Positioning
Hilltop Holdings is positioned as a diversified financial services company, offering a range of products and services to individuals and businesses. Its diversification helps mitigate risks associated with individual business segments, especially mortgage. Its competitive advantages include strong regional presence in Texas and integrated financial services.
Total Addressable Market (TAM)
The TAM for Hilltop's businesses is very large (hundreds of billions USD across all sectors). The company targets specific segments within each industry. Hilltop is relatively small, thus has growth opportunities.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong regional presence in Texas
- Experienced management team
- Solid capital base
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on Texas market
- Smaller market share compared to national players in some segments
- Mortgage origination highly volatile
Opportunities
- Expansion into new geographic markets
- Increased cross-selling of products and services
- Acquisition of complementary businesses
- Growth in wealth management segment
Threats
- Increased competition from larger financial institutions
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- COF
Competitive Landscape
Hilltop has a smaller market share than its major competitors but is a key player in Texas. Its diversification allows it to perform better in varying economic climates than some of the more focused firms. The company's small size can limit opportunities for economies of scale.
Major Acquisitions
PlainsCapital Bank
- Year: 2012
- Acquisition Price (USD millions): 765
- Strategic Rationale: Expanded Hilltop's banking business and provided a strong regional presence in Texas.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and organic growth in its various business segments.
Future Projections: Future growth is projected to come from expansion into new markets, cross-selling, and growth in wealth management. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investing in technology, expanding its mortgage origination network, and growing its wealth management business.
Summary
Hilltop Holdings is a diversified financial services company with a strong presence in Texas. Its diversification is an asset, mitigating risk from the mortgage business. However, its relatively small size compared to larger competitors presents some challenges. The company needs to carefully manage interest rate risk and economic fluctuations.
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Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Company Investor Relations website
- Financial news outlets
- Market research reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on thorough research and consultation with a financial advisor. Market share data is approximate and may vary based on source and definition.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hilltop Holdings Inc
Exchange NYSE | Headquaters Dallas, TX, United States | ||
IPO Launch date 2004-02-12 | President, CEO & Director Mr. Jeremy Blue Ford | ||
Sector Financial Services | Industry Financial Conglomerates | Full time employees 3616 | Website https://www.hilltop.com |
Full time employees 3616 | Website https://www.hilltop.com | ||
Hilltop Holdings Inc. provides business and consumer banking services. It operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.
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