Compared to Estimates, Hilltop Holdings (HTH) Q4 Earnings: A Look at Key Metrics

Core Insights - Hilltop Holdings (HTH) reported revenue of $301.07 million for Q4 2024, a year-over-year increase of 3.8% and an EPS of $0.55 compared to $0.44 a year ago, exceeding the Zacks Consensus Estimate of $284.4 million by 5.86% and delivering an EPS surprise of 96.43% against a consensus estimate of $0.28 [1] Financial Performance Metrics - Average Outstanding Balance of interest-earning assets was $15.37 billion, exceeding the average estimate of $15.13 billion [4] - Net Interest Margin was reported at 2.7%, slightly below the average estimate of 2.8% [4] - Efficiency Ratio stood at 57.8%, significantly better than the estimated 88.9% [4] - Non-accrual loans amounted to $88.15 million, slightly above the estimate of $85.92 million [4] - Non-performing assets were reported at $91.10 million, compared to the average estimate of $93.48 million [4] - Net Interest Income (FTE) was $106.21 million, surpassing the average estimate of $105.33 million [4] - Total Noninterest Income reached $195.59 million, exceeding the average estimate of $179.65 million [4] - Investment and securities advisory fees and commissions were $37.51 million, close to the estimate of $37.52 million [4] - Mortgage loan origination fees were $30.11 million, below the estimate of $31.69 million [4] - Noninterest income from other sources was $49.07 million, exceeding the average estimate of $39.23 million [4] - Net gains from the sale of loans and other mortgage production income were $43.55 million, slightly above the estimate of $43.30 million [4] Stock Performance - Hilltop Holdings shares returned +3.5% over the past month, outperforming the Zacks S&P 500 composite's +1.2% change [3]