HTH
Hilltop Holdings Inc.
Banks - Regional
Market Cap$2.27B
5Y Perf.+104.7%
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Stock Comparison
HTH vs IBCP
Revenue, margins, valuation, and 5-year total return — side by side.
IBCP
Independent Bank Corporation
Banks - Regional
Market Cap$699M
5Y Perf.+145.7%
HTH vs IBCP — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HTH | IBCP |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.27B | $699M |
| Revenue (TTM) | $1.63B | $315M |
| Net Income (TTM) | $162M | $69M |
| Gross Margin | 78.4% | 69.6% |
| Operating Margin | 13.6% | 25.8% |
| Forward P/E | 16.1x | 9.6x |
| Total Debt | $927M | $117M |
| Cash & Equiv. | $1.23B | $52M |
HTH vs IBCP — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HTH
IBCP
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Hilltop Holdings In… (HTH) | 100 | 204.7 | +104.7% |
| Independent Bank Co… (IBCP) | 100 | 245.7 | +145.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HTH vs IBCP
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: IBCP leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Hilltop Holdings Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. 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 growth exposure and sleep-well-at-night.
- Rev growth 5.5%, EPS growth 51.7%
- Lower volatility, beta 0.72, Low D/E 42.2%, current ratio 0.24x
- 5.5% NII/revenue growth vs IBCP's -0.3%
Best for: growth exposure and sleep-well-at-night
IBCP
Independent Bank Corporation
The Banking Pick
IBCP carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 11 yrs, beta 0.83, yield 3.0%
- 184.6% 10Y total return vs HTH's 123.5%
- Beta 0.83, yield 3.0%, current ratio 370.62x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HTH | 5.5% NII/revenue growth vs IBCP's -0.3% |
| Value | IBCP | Lower P/E (9.6x vs 16.1x) |
| Quality / Margins | IBCP | Efficiency ratio 0.4% vs HTH's 0.6% (lower = leaner) |
| Stability / Safety | HTH | Beta 0.72 vs IBCP's 0.83 |
| Dividends | IBCP | 3.0% yield, 11-year raise streak, vs HTH's 1.9% |
| Momentum (1Y) | HTH | +30.0% vs IBCP's +12.6% |
| Efficiency (ROA) | IBCP | Efficiency ratio 0.4% vs HTH's 0.6% |
HTH vs IBCP — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2021
HTH vs IBCP — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIBCPLAGGINGHTH
HTHHilltop Holdings Inc.
2leads
IBCPIndependent Bank Corp…
4leads
6 Total Categories
CATEGORYLEADERvs HTHMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
IBCP4/5
Valuation MetricsMultiples, price ratios, and targets
HTH3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
IBCP7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
IBCP4/6
Risk & VolatilityBeta, volatility, and downside exposure
HTH2/2
Analyst OutlookRatings, price targets, and dividends
IBCP2/2
Income & Cash Flow (Last 12 Months)
IBCP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HTH is the larger business by revenue, generating $1.6B annually — 5.2x IBCP's $315M. IBCP is the more profitable business, keeping 21.7% of every revenue dollar as net income compared to HTH's 10.2%.
| Metric | HTHHilltop Holdings … | IBCPIndependent Bank … |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $315M |
| EBITDAEarnings before interest/tax | $172M | $89M |
| Net IncomeAfter-tax profit | $162M | $69M |
| Free Cash FlowCash after capex | -$140M | $70M |
| Gross MarginGross profit ÷ Revenue | +78.4% | +69.6% |
| Operating MarginEBIT ÷ Revenue | +13.6% | +25.8% |
| Net MarginNet income ÷ Revenue | +10.2% | +21.7% |
| FCF MarginFCF ÷ Revenue | -5.9% | +22.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -1.5% | +2.3% |
IBCP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
HTH leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 10.4x trailing earnings, IBCP trades at a 28% valuation discount to HTH's 14.5x P/E. On an enterprise value basis, HTH's 8.9x EV/EBITDA is more attractive than IBCP's 9.4x.
| Metric | HTHHilltop Holdings … | IBCPIndependent Bank … |
|---|---|---|
| Market CapShares × price | $2.3B | $699M |
| Enterprise ValueMkt cap + debt − cash | $2.0B | $764M |
| Trailing P/EPrice ÷ TTM EPS | 14.49x | 10.38x |
| Forward P/EPrice ÷ next-FY EPS est. | 16.07x | 9.56x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.97x |
| EV / EBITDAEnterprise value multiple | 8.91x | 9.39x |
| Price / SalesMarket cap ÷ Revenue | 1.40x | 2.22x |
| Price / BookPrice ÷ Book value/share | 1.09x | 1.41x |
| Price / FCFMarket cap ÷ FCF | — | 9.96x |
HTH leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
IBCP leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
IBCP delivers a 14.2% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $7 for HTH. IBCP carries lower financial leverage with a 0.23x debt-to-equity ratio, signaling a more conservative balance sheet compared to HTH's 0.42x. On the Piotroski fundamental quality scale (0–9), IBCP scores 8/9 vs HTH's 6/9, reflecting strong financial health.
| Metric | HTHHilltop Holdings … | IBCPIndependent Bank … |
|---|---|---|
| ROE (TTM)Return on equity | +7.4% | +14.2% |
| ROA (TTM)Return on assets | +1.0% | +1.3% |
| ROICReturn on invested capital | +5.0% | +10.2% |
| ROCEReturn on capital employed | +3.2% | +2.6% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | 0.42x | 0.23x |
| Net DebtTotal debt minus cash | -$305M | $65M |
| Cash & Equiv.Liquid assets | $1.2B | $52M |
| Total DebtShort + long-term debt | $927M | $117M |
| Interest CoverageEBIT ÷ Interest expense | 0.50x | 0.91x |
IBCP leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
IBCP leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in IBCP five years ago would be worth $16,369 today (with dividends reinvested), compared to $11,540 for HTH. Over the past 12 months, HTH leads with a +30.0% total return vs IBCP's +12.6%. The 3-year compound annual growth rate (CAGR) favors IBCP at 32.1% vs HTH's 9.4% — a key indicator of consistent wealth creation.
| Metric | HTHHilltop Holdings … | IBCPIndependent Bank … |
|---|---|---|
| YTD ReturnYear-to-date | +13.4% | +7.2% |
| 1-Year ReturnPast 12 months | +30.0% | +12.6% |
| 3-Year ReturnCumulative with dividends | +30.8% | +130.6% |
| 5-Year ReturnCumulative with dividends | +15.4% | +63.7% |
| 10-Year ReturnCumulative with dividends | +123.5% | +184.6% |
| CAGR (3Y)Annualised 3-year return | +9.4% | +32.1% |
IBCP leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
HTH leads this category, winning 2 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 IBCP's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HTH currently trades 94.7% from its 52-week high vs IBCP's 90.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | HTHHilltop Holdings … | IBCPIndependent Bank … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.72x | 0.83x |
| 52-Week HighHighest price in past year | $40.41 | $37.39 |
| 52-Week LowLowest price in past year | $28.92 | $29.63 |
| % of 52W HighCurrent price vs 52-week peak | +94.7% | +90.8% |
| RSI (14)Momentum oscillator 0–100 | 57.4 | 50.6 |
| Avg Volume (50D)Average daily shares traded | 330K | 176K |
HTH leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
IBCP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates HTH as "Hold" and IBCP as "Hold". Consensus price targets imply 11.9% upside for IBCP (target: $38) vs -5.9% for HTH (target: $36). For income investors, IBCP offers the higher dividend yield at 3.05% vs HTH's 1.89%.
| Metric | HTHHilltop Holdings … | IBCPIndependent Bank … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $36.00 | $38.00 |
| # AnalystsCovering analysts | 12 | 7 |
| Dividend YieldAnnual dividend ÷ price | +1.9% | +3.0% |
| Dividend StreakConsecutive years of raises | 10 | 11 |
| Dividend / ShareAnnual DPS | $0.72 | $1.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +8.1% | +1.8% |
IBCP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
IBCP leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). HTH leads in 2 (Valuation Metrics, Risk & Volatility).
Best OverallIndependent Bank Corporation (IBCP)Leads 4 of 6 categories
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HTH vs IBCP: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HTH or IBCP a better buy right now?
For growth investors, Hilltop Holdings Inc.
(HTH) is the stronger pick with 5. 5% revenue growth year-over-year, versus -0. 3% for Independent Bank Corporation (IBCP). Independent Bank Corporation (IBCP) offers the better valuation at 10. 4x trailing P/E (9. 6x 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 IBCP?
On trailing P/E, Independent Bank Corporation (IBCP) is the cheapest at 10.
4x versus Hilltop Holdings Inc. at 14. 5x. On forward P/E, Independent Bank Corporation is actually cheaper at 9. 6x.
03Which is the better long-term investment — HTH or IBCP?
Over the past 5 years, Independent Bank Corporation (IBCP) delivered a total return of +63.
7%, compared to +15. 4% for Hilltop Holdings Inc. (HTH). Over 10 years, the gap is even starker: IBCP returned +184. 6% 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 IBCP?
By beta (market sensitivity over 5 years), Hilltop Holdings Inc.
(HTH) is the lower-risk stock at 0. 72β versus Independent Bank Corporation's 0. 83β — meaning IBCP is approximately 15% more volatile than HTH relative to the S&P 500. On balance sheet safety, Independent Bank Corporation (IBCP) carries a lower debt/equity ratio of 23% versus 42% for Hilltop Holdings Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — HTH or IBCP?
By revenue growth (latest reported year), Hilltop Holdings Inc.
(HTH) is pulling ahead at 5. 5% versus -0. 3% for Independent Bank Corporation (IBCP). On earnings-per-share growth, the picture is similar: Hilltop Holdings Inc. grew EPS 51. 7% year-over-year, compared to 3. 5% for Independent Bank 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 IBCP?
Independent Bank Corporation (IBCP) is the more profitable company, earning 21.
7% net margin versus 10. 2% for Hilltop Holdings Inc. — meaning it keeps 21. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IBCP leads at 25. 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 IBCP more undervalued right now?
On forward earnings alone, Independent Bank Corporation (IBCP) trades at 9.
6x forward P/E versus 16. 1x for Hilltop Holdings Inc. — 6. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for IBCP: 11. 9% to $38. 00.
08Which pays a better dividend — HTH or IBCP?
All stocks in this comparison pay dividends.
Independent Bank Corporation (IBCP) offers the highest yield at 3. 0%, versus 1. 9% for Hilltop Holdings Inc. (HTH).
09Is HTH or IBCP 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%, IBCP: +184. 6%), 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 IBCP?
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% · IBCP: -0.3%)Net Margin>
%
(HTH: 10.2% · IBCP: 21.7%)P/E Ratio<
x
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