Stock Ratings / Financials / HTH / earnings

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Hilltop Holdings Inc. (HTH) Next Earnings Date & Expected ±4.4% Move

$37.26 +1.58% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Hilltop Holdings Inc. (HTH) carries a Roarable Rating of D- (Sell) with 40/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $2.12B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERRED ALERT • D-

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HTH)Realized 20D OHLCV Swing Band: ±4.4%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.4% Swing Band

±$1.64 Expected Swing

MODEL EARNINGS SETUP GAUGE

HTH Quantitative Pre-Earnings Setup: 40/100

Trailing EPS: $2.92 • YoY Revenue Growth: 12.4%

Model Bullish Setup (40/100)Model Risk Weight (60/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$166.0M	-$38.7M	52%
FY 2024	2024-12-31	$0	$113.0M	$273.9M	52%
FY 2023	2023-12-31	$0	$110.0M	$443.0M	52%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HTH)

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HTH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.09%📐 HORIZONTAL RANGE

2026-10-30O $37.48H $37.50L $36.94C $37.26VOL 270.3K

RES: $41.40SUP: $35.31SMA50: $37.79SMA200: $37.72

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HTH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HTH Butterfly Map → + Track HTH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HTH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HTH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HTH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HTH)

Financials Rank #980 of 1096 ⚔️ SRCE vs HTH Full Matrix →

1. Head-to-Head Financials Peer Comparison (HTH vs. SRCE, OFG, TBBK, WAFD)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hilltop Holdings Inc. (HTH) ranks #980 by composite RQD confidence (40/100, grade D-) and #420 by equity capitalization ($2.12B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. TBBK currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with HTH at 40/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HTH ACTIVE Hilltop Holdings Inc.	D-	40/100	12.7x	—	7.7%	+1.58%	$2.12B	Benchmark Subject
SRCE 1st Source Corporation	D+	56/100	—	—	—	+0.97%	$2.13B	/srce-vs-hth →
OFG OFG Bancorp	C	63/100	10.5x	—	14.8%	+0.26%	$2.15B	/ofg-vs-hth →
TBBK The Bancorp Inc	B	75/100	9.0x	—	33.1%	+0.20%	$2.06B	/tbbk-vs-hth →
WAFD WaFd Inc.	B-	70/100	9.7x	—	7.5%	+1.16%	$2.19B	/wafd-vs-hth →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001265131

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hilltop Holdings Inc. (HTH) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $166.0M, operating cash flow of -$38.7M, and free cash flow of -$38.7M (-114.1% YoY). On the balance sheet, HTH closed FY2025 with $15.84B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$166.0M	-$38.7M	-$38.7M	$15.84B	—
FY2024 (FY)	2024-12-31	$0	$113.0M	$273.9M	$273.9M	$16.27B	—
FY2023 (FY)	2023-12-31	$0	$110.0M	$443.0M	$443.0M	—	—

3. HTH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HTH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Hilltop Holdings Inc. (NYSE: HTH) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $37.26 (+1.58% 1D, market cap $2.12B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, HTH ranks #980 in composite RQD confidence.

How does HTH compare to SRCE and OFG in the Financials sector?

Within the Financials sector (Major Banks), HTH carries a Roarable D- (40/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 7.7%. By comparison, SRCE (1st Source Corporation) holds a D+ grade (56/100 RQD, P/E N/A, ROIC —, cap $2.13B) and OFG (OFG Bancorp) posts a C grade (63/100 RQD, P/E 10.5x, ROIC 14.8%, cap $2.15B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HTH?

Per HTH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001265131), Hilltop Holdings Inc. generated $0 in revenue, $166.0M in net income, and -$38.7M in free cash flow against $15.84B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HTH trading relative to its 50-day, 200-day, and 52-week technical levels?

HTH last traded at $37.26 (+1.58% on volume of 372,895 shares), positioning the stock -1.40% below its 50-day simple moving average ($37.79) and -1.22% below its 200-day simple moving average ($37.72). Across its 52-week range of $31.75 to $40.41, HTH sits at the 63.6% percentile with a 14-day RSI of 49.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($35.62 to $38.90).