Busey vs Hilltop Holdings

This page compares Busey and Hilltop Holdings Inc, examining business models, financial performance, and market context. It presents neutral, accessible information to help readers understand each organisation’s operations within its sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

BUSE

Metric

HTH

$2.16B

Market Cap

$2.17B

4.24%

Potential Profit

-4.12%

Buy

Analyst Rating

Hold

Investment Analysis

Busey

BUSE

Pros

First Busey maintains a diversified business model with operations across banking, remittance processing, and wealth management, reducing reliance on any single revenue stream.
The company has demonstrated consistent profitability, with solid net income and diluted EPS reported across recent quarters in 2023.
First Busey offers a relatively attractive dividend yield, providing income appeal for investors seeking returns in the regional banking sector.

Considerations

The company's return on assets is modest, indicating limited efficiency in generating profit from its asset base compared to industry peers.
First Busey operates primarily in a limited geographic footprint, which may restrict growth opportunities and increase vulnerability to regional economic shifts.
The banking sector faces ongoing regulatory and interest rate risks, which could pressure margins and profitability in a volatile macroeconomic environment.

Hilltop Holdings

HTH

Pros

Hilltop Holdings benefits from a diversified financial services platform, including banking, mortgage, and broker-dealer operations, supporting resilience across market cycles.
The company has shown strong capital adequacy and liquidity metrics, providing flexibility to manage economic downturns and regulatory requirements.
Hilltop has demonstrated recent growth in key business segments, particularly in mortgage and wealth management, contributing to overall revenue expansion.

Considerations

Hilltop's earnings are sensitive to interest rate fluctuations, which can impact net interest margins and profitability in its banking and mortgage businesses.
The company's exposure to the mortgage sector introduces cyclical risks, as demand for home loans can decline during periods of rising rates or economic uncertainty.
Hilltop's stock valuation has been pressured by sector-wide challenges, including increased competition and regulatory scrutiny in financial services.

About The Companies

Busey (BUSE)

First Busey Corporation is a US-based financial holding company that operates across three principal segments. The Banking segment, its largest, provides a comprehensive range of services to individuals and businesses through its subsidiary, Busey Bank. The Wealth Management division offers asset management, investment, and advisory services to a diverse client base, including individuals, businesses, and foundations. This includes financial planning, trust services, and business succession planning. Finally, its FirsTech segment focuses on the technology side of finance, delivering payment technology solutions and tools to help clients manage billing and reconciliation. This diversified model allows the company to serve a wide spectrum of financial needs. As with any investment, the value of shares can go down as well as up, and returns are not guaranteed. This information is for educational purposes and is not financial advice.

Hilltop Holdings (HTH)

Hilltop Holdings Inc. is a diversified financial holding company based in Texas. It operates through three main business segments, which might offer a degree of balance. The banking segment, through PlainsCapital Bank, provides a range of business and consumer banking services across the state. The broker-dealer arm, Hilltop Securities, offers investment advisory and brokerage services to its clients. Finally, the mortgage origination segment, PrimeLending, operates nationally, originating and servicing a variety of home loans which are then often sold into the secondary market. This structure gives the company exposure to different areas of the financial services industry. As with any investment, the value of shares can go down as well as up, and returns are not guaranteed. This information is for educational purposes and not a recommendation to invest.

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Comparison Snapshot