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Hilltop Holdings (HTH) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Hilltop HoldingsHilltop Holdings(US:HTH) ZACKSยท2025-07-25 00:01

Core Insights - Hilltop Holdings (HTH) reported revenue of $303.31 million for Q2 2025, a year-over-year increase of 2.1% and an EPS of $0.57, up from $0.31 a year ago [1] - The reported revenue fell short of the Zacks Consensus Estimate of $307.62 million, resulting in a surprise of -1.4%, while the EPS exceeded expectations by 39.02% compared to the consensus estimate of $0.41 [1] Financial Performance Metrics - Average Outstanding Balance of interest-earning assets was $14.72 billion, below the three-analyst average estimate of $14.95 billion [4] - Non-accrual loans were reported at $72.74 million, compared to the estimated $86.47 million [4] - Net Interest Margin stood at 3%, slightly above the three-analyst average estimate of 2.9% [4] - Non-performing assets totaled $81.89 million, lower than the $94.75 million average estimate [4] - Efficiency Ratio was reported at 55.4%, significantly better than the two-analyst average estimate of 86.8% [4] - Net Interest Income (FTE) was $111.48 million, exceeding the average estimate of $106.91 million [4] - Total Noninterest Income was $192.63 million, below the estimated $201.11 million [4] - Investment and securities advisory fees and commissions reached $43.73 million, higher than the average estimate of $37.05 million [4] - Mortgage loan origination fees were $28.74 million, slightly below the average estimate of $30.82 million [4] - Noninterest income from other sources was $35.18 million, compared to the average estimate of $48.96 million [4] - Net gains from the sale of loans and other mortgage production income were $51.95 million, below the average estimate of $54.28 million [4] Stock Performance - Hilltop Holdings shares returned +5% over the past month, compared to the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]