Hilltop Holdings Inc. (HTH) Stock Price & How to Invest

Hilltop Holdings Inc. is a diversified financial holding company headquartered in Dallas, Texas, operating through three segments: Banking (PlainsCapital Bank, which provides business and consumer banking, wealth management, and lending across Texas), Broker-Dealer (HilltopSecurities, covering public finance, capital markets, retail, structured finance, clearing, and securities lending), and Mortgage Origination (PrimeLending, a national home-loan originator). The mix means Hilltop earns spread income from its bank balance sheet plus fee and trading revenue from its securities and mortgage businesses, giving it more diversification than a pure community bank but also more exposure to capital-markets and housing cycles.

The investment picture is one of a well-capitalized, Texas-anchored financial trading at a modest valuation, with earnings that swing with interest rates, municipal-bond activity, and mortgage volumes. Recent results showed solid bank profitability and a strong rebound in fixed-income and public-finance revenue at HilltopSecurities, partly offset by continued pressure in the PrimeLending mortgage segment from affordability and rate lock-in. Hilltop carries a high capital ratio and has been returning cash through dividends and share buybacks, but its earnings are more variable than a plain-vanilla bank because of the broker-dealer and mortgage components.

The second quarter of 2026 extended a run of beats. Net revenue was ~$316.7 million and net income ~$36.5 million, or ~$0.63 per diluted share, against a ~$0.49 consensus, the fourth straight quarter well ahead of estimates. The stock closed at $37.10 on October 16, 2026, up ~9.5% year to date and ~19.5% over twelve months, though it slipped after Raymond James downgraded it on October 6 and is ~4% lower over the past month. Third-quarter results are due October 22, 2026, where analysts look for ~$0.64 of EPS, below the ~$0.74 of the prior-year quarter.

As a bank, Hilltop is exposed to credit losses if Texas commercial real estate or business loans deteriorate, and to net-interest-margin compression when rates move against it. The broker-dealer's public-finance and fixed-income revenue can fall sharply if municipal issuance or trading activity slows, and PrimeLending remains pressured by weak mortgage demand and could stay unprofitable in a high-rate environment. Geographic concentration in Texas amplifies exposure to that state's economy and real estate cycle. The combined bank, broker-dealer, and mortgage structure makes earnings more variable and harder to forecast than a single-line bank. Consensus also points to a slowdown: analysts expect EPS of ~$2.44 in 2026 and ~$2.47 in 2027, below the ~$2.70 earned over the trailing twelve months, and Raymond James downgraded the stock in early October 2026.

3 analysts publish price targets on HTH, averaging $41.00 against a $36.85 price as of October 2026, or +11.3%. The published targets run from $40.00 to $42.00, a narrow spread, and the ratings split 0 buy, 3 hold, 1 sell. Over the last six months there has been 1 raise and 1 cut among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full HTH forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on Hilltop Holdings Inc.. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. Texas banking franchise. PlainsCapital Bank anchors Hilltop with roughly $10.6 billion in average deposits and $8.3 billion in average held-for-investment loans, generating steady net interest income across a growing Texas market. The most optimistic published target, $42.00, assumes this works close to its best case.

The case against. As a bank, Hilltop is exposed to credit losses if Texas commercial real estate or business loans deteriorate, and to net-interest-margin compression when rates move against it. The most pessimistic target, $40.00, is roughly what HTH is worth if this bites instead.

Read the full bull and bear case on HTH, including what would have to change to break either one. Walnut is not an investment adviser.

No. Hilltop Holdings Inc. (HTH) has not split its stock in the last 10 years. That is a statement about the window we check rather than about the company’s entire history, so an older split is possible. It also matters less than it once did: fractional shares mean a high price per share no longer keeps smaller investors out, which removed most of the practical reason to split.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Hilltop Holdings Inc.'s investor relations page or your broker.

• Market cap: ~$2.1B at $37.10 (Oct 16, 2026)
• Revenue (TTM, net): ~$1.27B, up ~5.2% year over year in Q2 2026
• Net income (TTM): ~$162M (profit margin ~12.7%)
• Diluted EPS (TTM): ~$2.70
• P/E: ~13.7x trailing, ~15x forward
• Price to book: ~1.0x
• Forward dividend yield: ~2.2% ($0.80 annual rate)
• Next earnings: Oct 22, 2026; consensus EPS ~$0.64

Hilltop trades at $37.10 with a market cap near $2.1 billion, about 13.7 times trailing earnings and roughly 1.0 times book value. The forward multiple is higher than the trailing one because analysts expect EPS to ease to ~$2.44 in 2026 after an unusually strong late 2025. The valuation reflects a diversified financial with strong capital (CET1 near 19% earlier in 2026) but more earnings variability than a simple bank; Q2 2026 net income was about $36.5 million, or $0.63 per diluted share.

Other names that sit close to HTH: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get HTH exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so HTH sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where HTH fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

HTH is a Texas regional bank wrapped around a broker-dealer and a mortgage arm, a diversified but rate- and cycle-sensitive financial with a strong capital position and modest valuation. Third-quarter results on October 22, 2026 come with consensus expecting a year-over-year decline in EPS.

Whether HTH is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is HTH a buy or a sell?, and where the stock could go from here in the HTH stock forecast.

For income investors, whether HTH pays a dividend and how the payout looks is covered in does HTH pay a dividend? And to weigh HTH against a peer, read the full side-by-side comparisons: HTH vs CFR and HTH vs PB.