Key Drivers
- Stable margins
- Thin capital
- Weak cash flow
AIAI Summary
HTH is no longer a simple steady regional bank story; the core bank and securities businesses are keeping earnings intact, but with mortgage still a drag, weak free cash flow, and a capped stock range, this looks like a hold until management proves it can sustain cash generation and break resistance.
Price Chart
Financial Metrics
Deep Analysis
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Fundamental Analysis
Key Financial Insights:
- •Stable margins
- •Thin capital
- •Weak cash flow
HTH looks like a stable, near-book-valued bank with modest 8% ROE and 13% margins, but weak cash conversion, thin capital, and leverage limit upside despite solid liquidity.
Price Behavior
Key Price Behavior Insights:
- •Lower highs
- •Resistance capped
- •Support tested
HTH has turned mildly negative over the last month, failing to hold above $37.8-$38.1 and drifting toward nearby support at $36.3-$36.5.
Peaked at $38.05 on 2026-05-07 before sliding to $36.29 on 2026-05-15
Sentiment & News
Key News Insights:
- •EPS beat
- •Deposit pressure
- •CRE risk
Hilltop Holdings beat Q1 2026 EPS estimates on stronger net interest income and lower credit costs, but deposit declines, CRE concentration, and a Hold downgrade point to a mixed near-term outlook despite board additions and a subsidiary branding push.
The stock may stay range-bound as earnings strength is offset by balance-sheet and credit-quality concerns
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