First Bancorp vs Hilltop Holdings

First Bancorp and Hilltop Holdings are compared on this page to explore their business models, financial performance, and market context in neutral, accessible language. The comparison explains how each company positions itself within its sector, the services they offer, and the broader competitive landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

FBNC

Metric

HTH

$2.39B

Market Cap

$2.17B

-1.24%

Potential Profit

-4.12%

Buy

Analyst Rating

Hold

Investment Analysis

First Bancorp

FBNC

Pros

First Bancorp delivered a strong quarterly EPS of $0.93 in Q2 2025, showing growth compared to prior quarters.
The company maintains a solid return on equity around 9.61-10.1%, indicating relatively efficient use of shareholder capital.
Analysts have a positive outlook with an average 'Buy' rating and a target price offering potential upside from current levels.

Considerations

Revenue declined by 13.62% and net income dropped by 26.7% in 2024 versus the previous year, signaling recent financial pressure.
The company's current and quick ratios indicate limited short-term liquidity buffers at about 0.82.
Its beta near 1.0 suggests First Bancorp's stock price has average market volatility, posing typical market risk.

Hilltop Holdings

HTH

Pros

Hilltop Holdings has a significant scale with over $1.26 billion in trailing twelve months revenue, supporting diversified income streams.
The company maintains a healthy net profit margin of 12.67%, reflecting solid profitability in its core banking operations.
Hilltop's diversified financial services and subsidiaries across Texas and nationally provide a strong regional footprint and market presence.

Considerations

Hilltop Holdings carries a relatively high debt-to-equity ratio over 100%, signaling higher financial leverage and potential risks.
The company's earnings and revenue growth prospects may be tempered by large other expenses totaling about $1.10 billion compared to gross revenue.
Its dividend yield and policy may offer limited income stability given market and operational uncertainties.

About The Companies

First Bancorp (FBNC)

First Bancorp (FBNC) is a US regional bank holding company with a market capitalisation of about $2.02 billion. It provides core banking services — including deposit-taking, commercial and consumer lending, mortgage services and basic wealth management — primarily to local communities in the regions it serves. For investors, key features to note are its sensitivity to the interest-rate cycle, loan book quality and local economic conditions, which can materially affect earnings and credit losses. The company has grown through organic lending and selective acquisitions, which can offer scale but also integration and regulatory risks. As a bank, it faces standard sector considerations: capital and liquidity regulation, competition from larger banks and fintechs, and cyclical demand for credit. This summary is educational and not personalised advice: values can fall as well as rise, and past performance is no guarantee of future returns. Consider your goals and risk tolerance before making investment decisions.

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.

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

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Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Published: July 26, 2025

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First Bancorp vs Hilltop Holdings

Comparison Snapshot

Investment Analysis

First Bancorp

Pros

Considerations

Hilltop Holdings

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Buy FBNC or HTH in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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First Bancorp vs Kayne Anderson Energy Infrastructure Fund

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Frequently asked questions

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Comparison Snapshot

About The Companies