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Try Stocky free →Avoid. HTH's modest Growth (32/100) and Value (36/100) scores reflect uninspiring fundamentals, while severe geographic concentration—76% of real estate loans in Texas, 32% in Dallas-Fort Worth alone—creates structural vulnerability to regional downturns. Dividend dependency on subsidiary cash flows to service debt compounds leverage risk, leaving little margin for error.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for HTH:
Quality + moat + leadership + valuation + sentiment fused into a single 0–100 number. When you see 33/100, you know instantly whether to dig deeper or skip.
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Stocky rates HTH (HTH) at 33/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. HTH's modest Growth (32/100) and Value (36/100) scores reflect uninspiring fundamentals, while severe geographic concentration—76% of real estate loans in Texas, 32% in Dallas-Fort Worth alone—creates structural vulnerability to
HTH's current Stocky Verdict is 33/100, placing it in the "Avoid" band. This composite combines a 36/100 Compounder score, 68/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for HTH yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
HTH scores 68/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
HTH's Vulnerability Profile scores 0/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to HTH.
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