Hilltop (NYSE:HTH) Q4 2025 Earnings call January 30, 2026 09:00 AM ET Company ParticipantsJeremy B. Ford - CEOMatt Dunn - Head of Investor RelationsMichael Rose - Managing Director of Equity ResearchWilliam B. Furr - CFOConference Call ParticipantsMatt Olney - AnalystWoody Lay - Managing Director and Research AnalystOperatorGood morning, ladies and gentlemen, and welcome to the Hilltop Holdings fourth quarter 2025 earnings conference call and webcast. At this time, all lines are in listen-only mode. Followi ...

Hilltop (NYSE:HTH) Q4 2025 Earnings call January 30, 2026 09:00 AM ET Company ParticipantsJeremy B. Ford - CEOMatt Dunn - Head of Investor RelationsMichael Rose - Managing Director of Equity ResearchWilliam B. Furr - CFOConference Call ParticipantsMatt Olney - AnalystWoody Lay - Managing Director and Research AnalystOperatorGood morning, ladies and gentlemen, and welcome to the Hilltop Holdings fourth quarter 2025 earnings conference call and webcast. At this time, all lines are in listen-only mode. Followi ...

Financial Data and Key Metrics Changes - Hilltop reported net income of approximately $42 million or $0.69 per diluted share for Q4 2025, with a return on average assets of 1.1% and return on average equity of 7.6% [6] - For the full year 2025, consolidated income attributable to common stockholders was $165.6 million, equating to $2.64 per diluted share, representing a growth of 46% [13] - Net interest income grew by 7% year-over-year, while non-interest income increased by 11%, contributing to a 26% improvement in diluted EPS [12] Business Line Data and Key Metrics Changes - PlainsCapital Bank saw an expansion in net interest margin, with a pre-tax income of $43.5 million and a return on average assets of 1.05% [6] - PrimeLending reported a pre-tax loss of $5 million in Q4 2025, despite a seasonally healthy origination volume of $2.4 billion [8] - Hilltop Securities generated pre-tax income of $26 million on net revenues of $138 million, achieving a pre-tax margin of 18% [10] Market Data and Key Metrics Changes - The average total deposits for Q4 2025 were approximately $10.7 billion, declining by $233 million compared to Q4 2024 [18] - Mortgage-related income and fees increased by $2.5 million year-over-year, driven by improvements in lock and originated volumes [20] - Public Finance, Wealth Management, and Structured Finance business lines within Hilltop Securities all generated higher fee income compared to the prior year [21] Company Strategy and Development Direction - Hilltop aims to be a full solution provider to clients, focusing on executing strategic initiatives [11] - The company is actively evaluating acquisition opportunities while also focusing on organic growth [44] - Management expressed optimism about the performance of Public Finance and Wealth Management, expecting continued improvement in these areas [32] Management's Comments on Operating Environment and Future Outlook - Management noted uncertainty in the market regarding interest rates, inflation, and overall economic health, but remains optimistic about the company's positioning for long-term success [14][27] - The company expects full-year average bank loan growth of 4%-6% for 2026, excluding the impact of loans retained from PrimeLending [25] - Management anticipates that interest-bearing deposit costs will decrease somewhat over the coming quarters [19] Other Important Information - Hilltop returned $229 million to stockholders through share repurchases and common dividends in 2025 [5] - The allowance for credit losses decreased by $3.6 million to $91.5 million during the quarter [14] Q&A Session Summary Question: Expectations for broker-dealer fees and pre-tax margin for 2026 - Management expressed confidence in the stability of broker-dealer fees and indicated that a pre-tax margin of 13.5% is a reasonable baseline for 2026 [31][36] Question: Sensitivity of NII and broker-dealer fees to Fed cuts - Management noted that every 25 basis points reduction in rates could impact NII by about $4.5 million annually, with broker fee income being more variable [38] Question: Capital priorities and M&A opportunities - Management highlighted the increase in dividends and the standard share repurchase authorization, while also evaluating acquisition opportunities in a competitive market [44][45] Question: Loan growth and pricing competition - The loan pipeline entering 2026 is approximately $2.6 billion, with management feeling optimistic about organic loan growth despite pricing competition [55] Question: Gain on sale margins expectations - Management expects total revenue from gain on sale margins and mortgage origination fees to remain stable, with a projected range of 350-360 basis points [57]

Key Takeaways Hilltop Holdings reported Q4 EPS of $0.69, up 25.5% and well above the estimate of $0.46.HTH saw revenue rise 9.6% with gains in both NII and non-interest income, despite higher expenses.The company hiked its dividend 11% and unveiled a $125M stock repurchase plan through January 2027.Hilltop Holdings Inc.’s (HTH)  fourth-quarter 2025 earnings of 69 cents per share handily surpassed the Zacks Consensus Estimate of 46 cents. The bottom line also jumped 25.5% from the prior-year quarter.Results ...

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Financial Performance - Hilltop Holdings reported revenue of $329.89 million for the quarter ended December 2025, representing a 9.6% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $0.69, up from $0.55 in the same quarter last year, indicating a significant improvement [1] - The reported revenue exceeded the Zacks Consensus Estimate of $302.84 million by 8.93%, while the EPS surpassed the consensus estimate of $0.46 by 50% [1] Key Metrics - Average outstanding balance of interest-earning assets was $14.8 billion, higher than the estimated $14.44 billion [4] - Non-accrual loans stood at $53.45 million, below the average estimate of $65.72 million [4] - Net interest margin was reported at 3%, matching the average estimate [4] - Non-performing assets totaled $61.47 million, lower than the estimated $74.63 million [4] - Efficiency ratio was 54.1%, significantly better than the average estimate of 84.7% [4] - Total noninterest income reached $217.36 million, exceeding the average estimate of $195.22 million [4] - Net interest income was reported at $112.53 million, above the estimated $107.64 million [4] - Net gains from the sale of loans and other mortgage production income were $49.58 million, slightly above the average estimate of $49.4 million [4] - Noninterest income from other sources was $17.52 million, below the average estimate of $36.88 million [4] - Investment and securities advisory fees and commissions totaled $47.63 million, lower than the estimated $50.61 million [4] - Mortgage loan origination fees were reported at $26.6 million, exceeding the average estimate of $25.25 million [4] Stock Performance - Shares of Hilltop Holdings have returned +7.3% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential for outperformance in the near term [3]

分组1 - Hilltop Holdings reported quarterly earnings of $0.69 per share, exceeding the Zacks Consensus Estimate of $0.46 per share, and showing an increase from $0.55 per share a year ago, resulting in an earnings surprise of +50.00% [1] - The company achieved revenues of $329.89 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 8.93%, and up from $301.07 million year-over-year [2] - Hilltop Holdings has outperformed the S&P 500 with a share price increase of about 7.3% since the beginning of the year, compared to the S&P 500's gain of 1.9% [3] 分组2 - The earnings outlook for Hilltop Holdings is positive, with current consensus EPS estimates of $0.51 for the coming quarter and $2.16 for the current fiscal year, alongside expected revenues of $309.93 million and $1.27 billion respectively [7] - The Zacks Industry Rank for Banks - Southeast, to which Hilltop Holdings belongs, is currently in the top 18% of over 250 Zacks industries, indicating a favorable industry outlook [8]

Hilltop Holdings Inc. Announces Financial Results for Fourth Quarter and Full Year 2025Jan 29, 2026 4:45 PM Eastern Standard Time# Hilltop Holdings Inc. Announces Financial Results for Fourth Quarter and Full Year 2025Share---DALLAS--([BUSINESS WIRE])--Hilltop Holdings Inc. (NYSE: HTH) ("Hilltop†) today announced financial results for the fourth quarter and full year 2025. Hilltop produced income attributable to common stockholders of $41.6 million, or $0.69 per diluted share, for the fourth quarter of 20 ...

Investor Relations Contact: Matt Dunn 214-525-4636 mdunn@hilltop.com Hilltop Holdings Inc. Announces Financial Results for Fourth Quarter and Full Year 2025 DALLAS — (BUSINESS WIRE) January 29, 2026 — Hilltop Holdings Inc. (NYSE: HTH) ("Hilltop") today announced financial results for the fourth quarter and full year 2025. Hilltop produced income attributable to common stockholders of $41.6 million, or $0.69 per diluted share, for the fourth quarter of 2025, compared to $35.5 million, or $0.55 per diluted sh ...

Shares of Hilltop Holdings (HTH) have been strong performers lately, with the stock up 6.3% over the past month. The stock hit a new 52-week high of $37.04 in the previous session. Hilltop Holdings has gained 8.6% since the start of the year compared to the 17.4% gain for the Zacks Finance sector and the 10.6% return for the Zacks Banks - Southeast industry.What's Driving the Outperformance?The stock has a great record of positive earnings surprises, as it hasn't missed our earnings consensus estimate in a ...