Hilltop Holdings (HTH) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

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]