| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 58 | 14.3x | 17.8x | Around median | |
Growth | 21 | -1.3% | 7.1% | Bottom tier | |
Quality | 47 | — | — | Around median | |
Safety | 21 | — | — | Bottom tier | |
Capital Return | 62 | 1.96% | 2.12% | Around median | |
Momentum | 71 | 11.0% | 2.9% | Top tier | |
Sentiment | 33 | 3 | 3 | Bottom tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Hilltop Holdings Inc. is a financial services company operating through three main businesses: PlainsCapital Bank for community banking and commercial lending, PrimeLending for originating and selling mortgage loans, and Hilltop Securities for public finance, wealth management, structured finance, and fixed income services. The group generates income from net interest on loans and deposits, mortgage revenue, commissions and fees, trading activities, and financial advisory services.
In fiscal Q2 2026, Hilltop reported revenue of $389.0 million and net income of $36.5 million, equivalent to $0.63 per diluted share, compared with net income of $37.8 million and earnings of $0.64 per share in fiscal Q1 2026. Return on average assets was 1.0% and return on average equity was 6.9%, while net interest income rose 5% year over year to $116 million and the net interest margin widened to 3.21%.
Business contributions varied clearly in fiscal Q2 2026: PlainsCapital Bank generated pretax income of $51 million, a net interest margin of 3.42%, and an efficiency ratio of 55.0%, while PrimeLending recorded a pretax loss of $2 million. Hilltop Securities generated pretax income of $12 million on net revenue of $124 million, with a pretax margin of 10.0%, supported by year-over-year growth of 73% in structured finance net revenue and 10% in fixed income.
Automated analysis for informational purposes only — not investment advice.
The analyst consensus on Hilltop Holdings is neutral, with an average price target of $42 and identical high and low targets of $42; therefore, the target range provides no diversity in analyst estimates. This target is above the 52-week range high of $40.41, but the absence of an available price-to-earnings ratio and PrimeLending's ongoing losses and margin pressures make the stock's valuation heavily dependent on continued growth at the bank and broker-dealer.
Figures in the text are as of 2026-09-01; the live price is shown at the top of the page.
PlainsCapital Bank was the largest disclosed operating contributor, with pretax income of $51 million and a net interest margin of 3.42%. Hilltop Securities generated pretax income of $12 million on net revenue of $124 million. By contrast, PrimeLending recorded a pretax loss of $2 million due to weakness in the mortgage market.
Loans held for investment grew by $239 million during fiscal Q2 2026. Growth came from $114 million in commercial real estate, $54 million in commercial and industrial loans, $45 million in broker-dealer loans, and $28 million from seasonal growth in mortgage warehouse lending. Based on the stability of the business pipeline, management raised its forecast for average loan growth to a range of 5% to 7% for fiscal 2026, excluding the items specified in its guidance.
Net income was $36.5 million and diluted earnings per share were $0.63 in fiscal Q2 2026. These figures were slightly below net income of $37.8 million and earnings of $0.64 per share in fiscal Q1 2026. However, net interest income rose 5% year over year, and noninterest income increased 4% year over year.
PrimeLending faced high mortgage interest rates, higher property taxes and insurance costs, and limited housing inventory in fiscal Q2 2026. The gain-on-sale margin for loans sold to third parties declined by six basis points year over year to 217 basis points, while mortgage revenue fell by $1.8 million. The business reduced its fixed costs by approximately $10 million year over year compared with fiscal Q2 2025, but it remained unprofitable, with a pretax loss of $2 million.
The company repurchased $47 million of shares during fiscal Q2 2026 and paid $11.6 million in dividends to shareholders. The board raised the quarterly cash dividend 10% to $0.22 per share. It also increased the share repurchase authorization by $75 million, bringing the total fiscal 2026 authorization to $200 million.
Classified and special mention loans increased in fiscal Q2 2026, largely due to the deterioration of one significant loan in the single-family residential sector. The company recorded net charge-offs of $3.2 million and increased specific reserves by $1.9 million, while the bank's allowance for credit losses coverage ended at 1.03%. On the funding side, average deposits were $10.4 billion, down $263 million from fiscal Q2 2025, despite the ending balance remaining stable sequentially at $10.5 billion.
