$38.90
+0.96%
N/A+$0.37
금융 서비스
금융 - 복합기업
NYSE
활발히 거래 중
1998년에 설립된 텍사스 주 댈러스에 본사를 둔 Hilltop Holdings Inc.는 기업 및 개인 고객을 위한 포괄적인 금융 상품 및 서비스를 제공합니다. 이 ...
1998년에 설립된 텍사스 주 댈러스에 본사를 둔 Hilltop Holdings Inc.는 기업 및 개인 고객을 위한 포괄적인 금융 상품 및 서비스를 제공합니다. 이 ...
Hilltop Holdings Inc. is a diversified financial services holding company headquartered at 6565 Hillcrest Avenue in Dallas, Texas. The company traces its origin to 1998, when it was established as Affordable Residential Communities Inc., a real estate investment trust focused on manufactured-home communities. Its business model subsequently changed substantially through acquisitions and organic growth, including the development of PlainsCapital Bank and the expansion of securities and mortgage businesses. Hilltop completed its initial public offering in 2004 and is now traded on the New York Stock Exchange under the ticker HTH. The company operates through three major business segments. Its Banking segment, principally associated with PlainsCapital Bank, provides business and consumer banking products. These include checking, savings, money-market accounts, certificates of deposit, commercial and industrial loans, construction and commercial real-estate lending, agricultural financing, equipment loans, residential lending, lines of credit, and letters of credit. Banking customers also receive treasury-management, wealth-management, trust, asset-management, online-banking, payment, ATM, safe-deposit, retirement-account, and employee-benefit services. The bank’s value proposition is based on relationship banking, regional market knowledge, and a broad range of lending and deposit products. The Broker-Dealer segment operates primarily through HilltopSecurities. It supports public-sector and institutional clients through municipal finance, public-finance advisory, securities origination, underwriting, syndication, distribution, fixed-income sales and trading, retail brokerage, clearing, securities lending, structured finance, and asset-liability-management services. Products may include U.S. government and agency securities, corporate bonds, municipal bonds, mortgage-backed securities, asset-backed securities, commercial mortgage-backed securities, and other structured instruments. The business also advises governmental entities on arbitrage-rebate compliance, investment pools, derivatives, and portfolio management. The Mortgage Origination segment originates residential loans across conventional, jumbo, FHA, VA, and USDA programs. Mortgage performance can be affected by interest rates, refinancing activity, housing turnover, credit conditions, loan-production volumes, gain-on-sale margins, and the cost of mortgage servicing and compliance. Unlike a manufacturing company, Hilltop has no conventional bill of materials or physical product-cost structure. Its principal costs include employee compensation, branch and technology expenses, funding and interest costs, credit-loss provisions, regulatory compliance, data processing, professional services, and securities-market operating expenses. Based on the supplied trailing information, Hilltop had a market capitalization of approximately $2.24 billion, revenue per share of about $27.50, net income per share of approximately $2.80, return on equity near 7.5%, and a dividend yield near 2%. These figures indicate a mature financial institution whose results are influenced by net interest income, credit quality, capital-markets activity, mortgage volumes, deposit pricing, and the broader economic cycle. Jeremy B. Ford serves as chairman, president, and chief executive officer. The company employs approximately 3,500 full-time people according to the supplied data, placing it in the 2,001-5,000 employee category.