HTH
Hilltop Holdings Inc.
Banks - Regional
Market Cap$2.27B
5Y Perf.+104.7%
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Stock Comparison
HTH vs BOKF
Revenue, margins, valuation, and 5-year total return — side by side.
BOKF
BOK Financial Corporation
Banks - Regional
Market Cap$10.28B
5Y Perf.+162.0%
HTH vs BOKF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HTH | BOKF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.27B | $10.28B |
| Revenue (TTM) | $1.63B | $3.36B |
| Net Income (TTM) | $162M | $537M |
| Gross Margin | 78.4% | 57.1% |
| Operating Margin | 13.6% | 19.8% |
| Forward P/E | 16.1x | 13.0x |
| Total Debt | $927M | $4.45B |
| Cash & Equiv. | $1.23B | $1.43B |
HTH vs BOKF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HTH
BOKF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Hilltop Holdings In… (HTH) | 100 | 204.7 | +104.7% |
| BOK Financial Corpo… (BOKF) | 100 | 262.0 | +162.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HTH vs BOKF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BOKF leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Hilltop Holdings Inc. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
HTH
Hilltop Holdings Inc.
The Banking Pick
HTH is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 10 yrs, beta 0.72, yield 1.9%
- Lower volatility, beta 0.72, Low D/E 42.2%, current ratio 0.24x
- Beta 0.72, yield 1.9%, current ratio 0.24x
Best for: income & stability and sleep-well-at-night
BOKF
BOK Financial Corporation
The Banking Pick
BOKF carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 10.4%, EPS growth 1.5%
- 168.5% 10Y total return vs HTH's 123.5%
- 10.4% NII/revenue growth vs HTH's 5.5%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BOKF | 10.4% NII/revenue growth vs HTH's 5.5% |
| Value | BOKF | Lower P/E (13.0x vs 16.1x) |
| Quality / Margins | BOKF | Efficiency ratio 0.4% vs HTH's 0.6% (lower = leaner) |
| Stability / Safety | HTH | Beta 0.72 vs BOKF's 1.03, lower leverage |
| Dividends | HTH | 1.9% yield, 10-year raise streak, vs BOKF's 1.7% |
| Momentum (1Y) | BOKF | +44.8% vs HTH's +30.0% |
| Efficiency (ROA) | BOKF | Efficiency ratio 0.4% vs HTH's 0.6% |
HTH vs BOKF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
HTH vs BOKF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBOKFLAGGINGHTH
HTHHilltop Holdings Inc.
1leads
BOKFBOK Financial Corpora…
2leads
6 Total Categories
CATEGORYLEADERvs HTHMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BOKF4/5
Valuation MetricsMultiples, price ratios, and targets
HTH4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
BOKF5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BOKF leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BOKF is the larger business by revenue, generating $3.4B annually — 2.1x HTH's $1.6B. BOKF is the more profitable business, keeping 15.6% of every revenue dollar as net income compared to HTH's 10.2%.
| Metric | HTHHilltop Holdings … | BOKFBOK Financial Cor… |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $3.4B |
| EBITDAEarnings before interest/tax | $172M | $797M |
| Net IncomeAfter-tax profit | $162M | $537M |
| Free Cash FlowCash after capex | -$140M | $1.5B |
| Gross MarginGross profit ÷ Revenue | +78.4% | +57.1% |
| Operating MarginEBIT ÷ Revenue | +13.6% | +19.8% |
| Net MarginNet income ÷ Revenue | +10.2% | +15.6% |
| FCF MarginFCF ÷ Revenue | -5.9% | +42.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -1.5% | +1.8% |
BOKF leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
HTH leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 14.5x trailing earnings, HTH trades at a 12% valuation discount to BOKF's 16.4x P/E. On an enterprise value basis, HTH's 8.9x EV/EBITDA is more attractive than BOKF's 17.2x.
| Metric | HTHHilltop Holdings … | BOKFBOK Financial Cor… |
|---|---|---|
| Market CapShares × price | $2.3B | $10.3B |
| Enterprise ValueMkt cap + debt − cash | $2.0B | $13.3B |
| Trailing P/EPrice ÷ TTM EPS | 14.49x | 16.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 16.07x | 13.05x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.51x |
| EV / EBITDAEnterprise value multiple | 8.91x | 17.23x |
| Price / SalesMarket cap ÷ Revenue | 1.40x | 3.06x |
| Price / BookPrice ÷ Book value/share | 1.09x | 1.53x |
| Price / FCFMarket cap ÷ FCF | — | 7.19x |
HTH leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
Evenly matched — HTH and BOKF each lead in 4 of 8 comparable metrics.
Profitability & Efficiency
BOKF delivers a 8.9% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $7 for HTH. HTH carries lower financial leverage with a 0.42x debt-to-equity ratio, signaling a more conservative balance sheet compared to BOKF's 0.80x.
| Metric | HTHHilltop Holdings … | BOKFBOK Financial Cor… |
|---|---|---|
| ROE (TTM)Return on equity | +7.4% | +8.9% |
| ROA (TTM)Return on assets | +1.0% | +1.1% |
| ROICReturn on invested capital | +5.0% | +4.1% |
| ROCEReturn on capital employed | +3.2% | +5.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.42x | 0.80x |
| Net DebtTotal debt minus cash | -$305M | $3.0B |
| Cash & Equiv.Liquid assets | $1.2B | $1.4B |
| Total DebtShort + long-term debt | $927M | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | 0.50x | 0.55x |
Evenly matched — HTH and BOKF each lead in 4 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
BOKF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BOKF five years ago would be worth $15,944 today (with dividends reinvested), compared to $11,540 for HTH. Over the past 12 months, BOKF leads with a +44.8% total return vs HTH's +30.0%. The 3-year compound annual growth rate (CAGR) favors BOKF at 21.5% vs HTH's 9.4% — a key indicator of consistent wealth creation.
| Metric | HTHHilltop Holdings … | BOKFBOK Financial Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +13.4% | +13.0% |
| 1-Year ReturnPast 12 months | +30.0% | +44.8% |
| 3-Year ReturnCumulative with dividends | +30.8% | +79.4% |
| 5-Year ReturnCumulative with dividends | +15.4% | +59.4% |
| 10-Year ReturnCumulative with dividends | +123.5% | +168.5% |
| CAGR (3Y)Annualised 3-year return | +9.4% | +21.5% |
BOKF leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — HTH and BOKF each lead in 1 of 2 comparable metrics.
Risk & Volatility
HTH is the less volatile stock with a 0.72 beta — it tends to amplify market swings less than BOKF's 1.03 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | HTHHilltop Holdings … | BOKFBOK Financial Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.72x | 1.03x |
| 52-Week HighHighest price in past year | $40.41 | $139.73 |
| 52-Week LowLowest price in past year | $28.92 | $91.35 |
| % of 52W HighCurrent price vs 52-week peak | +94.7% | +95.5% |
| RSI (14)Momentum oscillator 0–100 | 57.4 | 58.9 |
| Avg Volume (50D)Average daily shares traded | 330K | 317K |
Evenly matched — HTH and BOKF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — HTH and BOKF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates HTH as "Hold" and BOKF as "Hold". Consensus price targets imply -1.4% upside for BOKF (target: $132) vs -5.9% for HTH (target: $36). For income investors, HTH offers the higher dividend yield at 1.89% vs BOKF's 1.68%.
| Metric | HTHHilltop Holdings … | BOKFBOK Financial Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $36.00 | $131.57 |
| # AnalystsCovering analysts | 12 | 21 |
| Dividend YieldAnnual dividend ÷ price | +1.9% | +1.7% |
| Dividend StreakConsecutive years of raises | 10 | 11 |
| Dividend / ShareAnnual DPS | $0.72 | $2.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +8.1% | +0.9% |
Evenly matched — HTH and BOKF each lead in 1 of 2 comparable metrics.
Key Takeaway
BOKF leads in 2 of 6 categories (Income & Cash Flow, Total Returns). HTH leads in 1 (Valuation Metrics). 3 tied.
Best OverallBOK Financial Corporation (BOKF)Leads 2 of 6 categories
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HTH vs BOKF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HTH or BOKF a better buy right now?
For growth investors, BOK Financial Corporation (BOKF) is the stronger pick with 10.
4% revenue growth year-over-year, versus 5. 5% for Hilltop Holdings Inc. (HTH). Hilltop Holdings Inc. (HTH) offers the better valuation at 14. 5x trailing P/E (16. 1x forward), making it the more compelling value choice. Analysts rate Hilltop Holdings Inc. (HTH) a "Hold" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — HTH or BOKF?
On trailing P/E, Hilltop Holdings Inc.
(HTH) is the cheapest at 14. 5x versus BOK Financial Corporation at 16. 4x. On forward P/E, BOK Financial Corporation is actually cheaper at 13. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — HTH or BOKF?
Over the past 5 years, BOK Financial Corporation (BOKF) delivered a total return of +59.
4%, compared to +15. 4% for Hilltop Holdings Inc. (HTH). Over 10 years, the gap is even starker: BOKF returned +168. 5% versus HTH's +123. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — HTH or BOKF?
By beta (market sensitivity over 5 years), Hilltop Holdings Inc.
(HTH) is the lower-risk stock at 0. 72β versus BOK Financial Corporation's 1. 03β — meaning BOKF is approximately 44% more volatile than HTH relative to the S&P 500. On balance sheet safety, Hilltop Holdings Inc. (HTH) carries a lower debt/equity ratio of 42% versus 80% for BOK Financial Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — HTH or BOKF?
By revenue growth (latest reported year), BOK Financial Corporation (BOKF) is pulling ahead at 10.
4% versus 5. 5% for Hilltop Holdings Inc. (HTH). On earnings-per-share growth, the picture is similar: Hilltop Holdings Inc. grew EPS 51. 7% year-over-year, compared to 1. 5% for BOK Financial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — HTH or BOKF?
BOK Financial Corporation (BOKF) is the more profitable company, earning 15.
6% net margin versus 10. 2% for Hilltop Holdings Inc. — meaning it keeps 15. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BOKF leads at 19. 8% versus 13. 6% for HTH. At the gross margin level — before operating expenses — HTH leads at 78. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is HTH or BOKF more undervalued right now?
On forward earnings alone, BOK Financial Corporation (BOKF) trades at 13.
0x forward P/E versus 16. 1x for Hilltop Holdings Inc. — 3. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BOKF: -1. 4% to $131. 57.
08Which pays a better dividend — HTH or BOKF?
All stocks in this comparison pay dividends.
Hilltop Holdings Inc. (HTH) offers the highest yield at 1. 9%, versus 1. 7% for BOK Financial Corporation (BOKF).
09Is HTH or BOKF better for a retirement portfolio?
For long-horizon retirement investors, Hilltop Holdings Inc.
(HTH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 72), 1. 9% yield, +123. 5% 10Y return). Both have compounded well over 10 years (HTH: +123. 5%, BOKF: +168. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between HTH and BOKF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(HTH: 5.5% · BOKF: 10.4%)Net Margin>
%
(HTH: 10.2% · BOKF: 15.6%)P/E Ratio<
x
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