What is Hilltop Holdings's latest dividend and current dividend yield?

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What is the revenue and EPS growth rate for Hilltop Holdings year over year?

What factors drove the changes in Hilltop Holdings's revenue and profit?

What were the key takeaways from Hilltop Holdings's earnings call?

- **Revenue Growth**: 2025 net income up 46% to $166 million, driven by PlainsCapital Bank's 12bp NIM expansion and $43.5 million pretax income in Q4.
- **Margin Improvement**: Q4 NIM 302bp (30bp YoY expansion), supported by 21bp deposit cost decline YoY.
- **Credit Stability**: Allowance for credit losses 1.1% of loans, with Q4 net charge-offs 21bp of loans despite 9.5 million write-downs from auto notes.
- **Capital Return**: $229 million returned to shareholders in 2025, including 11% dividend increase and $61 million buybacks in Q4.
- **2026 Outlook**: 4-6% loan growth, stable broker-dealer fees, and pretax margin 10-14% for HilltopSecurities.

**【CEO Summary Section】**
- **Full Year 2025 Highlights**: Net income grew 46% to $166 million, driven by PlainsCapital Bank's 12bp NIM expansion and PlainsCapital Bank's 1.05% ROA. Hilltop returned $229 million to shareholders through buybacks and dividends.
- **Q4 2025 Results**: Net income of $42 million ($0.69 EPS), with PlainsCapital Bank contributing $43.5 million pretax income. PrimeLending reported a $5 million loss but saw $2.4 billion in seasonally adjusted origination volume. HilltopSecurities delivered $26 million pretax income on $138 million net revenue.
- **Business Unit Performance**: 
  - PlainsCapital Bank: 329bp NIM, $7.9 million provision expense (due to 2 stressed auto notes). Core deposits increased, reducing sweep deposits by 82% YoY.
  - PrimeLending: 49% refinance volume growth YoY, but profitability constrained by affordability and inventory challenges.
  - HilltopSecurities: 13.5% pretax margin, with Public Finance up 20% YoY and Wealth Management up 16% YoY.

**【CFO Financial Commentary】**
- **Q4 Financials**: GAAP net income $41.6 million ($0.69 EPS), 26% EPS growth YoY. NIM 302bp (30bp YoY expansion). Noninterest income $217 million (+11% YoY). Expenses grew 2% YoY, with cost control yielding 6% operating leverage.
- **Credit Metrics**: Allowance for credit losses $91.5 million (1.1% of loans). Q4 net charge-offs $11.5 million (9.5 million from auto notes). Full year net charge-offs 21bp of loans.
- **2026 Outlook**: Expect 4-6% loan growth (excluding mortgage warehouse). NII sensitivity: 25bp rate cut → $4.5 million NII impact. Broker-dealer fees expected stable, with pretax margin 10-14%.

**【Q&A Highlights】**
- **Capital Allocation**: $125 million buyback authorization, 11% dividend increase. Focus on organic growth and strategic M&A in Texas.
- **Loan Growth**: $2.6 billion pipeline entering 2026, with PlainsCapital targeting 4-6% loan growth.
- **Mortgage Market**: Stable aggregate revenue (350-360bp range), but margin mix dependent on rate environment.
- **Interest Rate Sensitivity**: Deposit beta 68% (could fall to 60-65% if Fed cuts rates). Asset sensitivity 4%, reducing NII if rates rise.


Hilltop Holdings Inc. (HTH) Q4 2025 Earnings Call Transcript

**Key Takeaways**
- **Financial Performance**: Q3 net income $45.8M, driven by PlainsCapital's 1.34% ROA and HilltopSecurities' 18% pretax margin. PrimeLending faces headwinds but focuses on cost reduction.
- **Growth Drivers**: Commercial real estate loans up 8% YoY, with $750M pipeline expansion. Broker-dealer net revenue growth across all lines.
- **Credit Management**: ACL at 1.16% of loans, with active auto portfolio workout reducing commitments from $290M to $77M.
- **Strategic Moves**: Increased share buybacks ($55M Q3), leadership transitions, and M&A focus in Texas.
- **Risk Factors**: Mortgage market challenges (low home sales, affordability), competitive loan pricing, and auto portfolio exposure.

**【CEO Summary Section】**
- **Third Quarter Results**: Reported net income of $45.8 million ($0.74 per diluted share), with PlainsCapital Bank contributing $55 million pretax income and a 1.34% ROA. PrimeLending reported a $7 million pretax loss due to subdued mortgage origination volumes, while HilltopSecurities achieved a 18% pretax margin on $144.5 million net revenue.
- **Business Highlights**: PlainsCapital saw 6% core deposit growth and a 4 basis point loan yield increase. HilltopSecurities' Public Finance, Structured Finance, and Wealth Management lines each grew net revenue by $5 million+ year-over-year. PrimeLending focused on cost reduction and talent recruitment to restore profitability.
- **Leadership Transition**: Darrell Adams retiring as Chief Credit Officer; Brent Raindl promoted to Chief Credit Officer, Thomas Ricks to Dallas Region Chairman.

**【CFO Financial Commentary1】**
- **Net Interest Income (NII)**: $112 million (7% YoY growth), driven by deposit cost optimization and higher-yielding commercial loans. NIM increased 5 basis points to 306 basis points.
- **Expense Management**: Noninterest expenses rose $7.6 million YoY to $272 million, primarily due to variable compensation tied to broker-dealer revenue growth.
- **Loan Growth**: Average HFI loans $8.1 billion, up 3.1% YoY. Commercial real estate loans grew 8% ($338 million), with pipelines expanding by $750 million QoQ.

**【CFO Financial Commentary2】**
- **Credit Metrics**: Allowance for credit losses (ACL) at $95 million (1.16% of loans), with a $2.6 million reversal of provision. Net charge-offs at 1 basis point of portfolio, reflecting conservative credit culture.
- **Auto Portfolio Update**: Auto note commitments reduced from $290 million to $77 million, with 2 nonaccrual clients under active workout.
- **Rate Outlook**: Anticipate 1 rate cut in 2025Q4 and 2 in 2026H1, with deposit betas expected to decline but remain above 60%.

**【Q&A Highlights】**
- **NII Guidance**: 2025Q4 NII expected to remain stable with modest downward pressure, due to rate cuts and competitive loan pricing.
- **Share Buybacks**: Increased buybacks ($55 million Q3) reflect excess capital and stock valuation; authorization for accelerated repurchases requested.
- **M&A Strategy**: Actively evaluating Texas market opportunities amid out-of-state entrants, focusing on client and banker synergies.
- **Broker-Dealer Performance**: Q3 strength in public finance, structured finance, wealth management; expect 12-13% pretax margin normalization in 2026.
- **Government Shutdown Impact**: Minimal direct impact on broker-dealer operations; potential delays in SBA and USDA loan processing.

Hilltop Holdings Inc. (HTH) Q3 2025 Earnings Call Transcript

- **Strong public finance growth**: Broker-dealer segment net revenues +36% YoY, driven by advisory and underwriting fees. 
- **Mortgage margin pressure**: PrimeLending gain on sale margin flat YoY at 228bps, but origination fees down 11bps QoQ. 
- **Deposit cost management**: 72% beta in rate cycle vs. 50%-55% long-term target. 
- **Share buybacks**: $35M in Q2; $135M authorization for 2025. 
- **Credit improvement**: NCOs at 5bps of loans; ACL coverage stable at 1.27%. 
- **Loan growth cautious**: 0%-2% YoY outlook due to competitive pressure. 


**【CEO Summary Section】**
- Q2 2025 net income: $36 million ($0.57 per diluted share). ROA: 1%, ROE: 6.6%. PlainsCapital Bank pretax income: $55 million (1.35% ROA). PrimeLending pretax gain: $3 million (including $9.5M legal settlement). Broker-dealer net revenues: $110 million (6% pretax margin). 
- PlainsCapital: NIM +19bps to 301bps; loan yields +5bps. Deposit costs decline 9bps; core deposits +$275M YoY. Loan pipeline growth offset by competitive pressure. 
- PrimeLending: Origination volume up 2% QoQ, but margins pressured by high rates and affordability. Fixed expenses down 11% YoY. 
- Broker-dealer: Public Finance net revenues +36% YoY; Wealth Management +$2.5M YoY. Structured finance down $1M QoQ. 
- Capital: Common equity Tier 1 ratio: 20.8%. TBV per share: $30.56 (+$0.54 QoQ). Share buybacks: $35M; dividends: $12M. 

**【CFO Financial Commentary】**
- Consolidated net income: $36.1M ($0.57 EPS). Net interest income: $110.7M (+7% YoY). Noninterest income: $193M (-$12M from mortgage). 
- Credit: $7.3M provision reversal. ACL: $98M (-$8.2M QoQ). NCOs: $0.9M (5bps of loans). 
- Deposit trends: Average balances +$212M YoY. Ending balances down due to seasonal outflows; expect recapture in H2. Deposit beta: 72% in rate cycle. 
- Expense management: Noninterest expenses: $261M (+$5M YoY). Variable comp up at HilltopSecurities. Fixed expenses: $1.5M in severance costs. 
- Outlook: NIM to stabilize near current levels. Loan growth: 0%-2% YoY. 

**【Q&A Key Highlights】**
- Broker-dealer efficiency: Driven by public finance growth vs. structured finance weakness. $1.5M severance costs impacted margin. 
- Mortgage expenses: Fixed costs down 11% YoY, but inflation in personnel and software expenses offset. 
- Deposit beta: 72% in rate cycle (vs. 50%-55% long-term model). 
- Loan growth: Strong pipeline but near-term competition dampening growth. CRE/C&I booked fundings up YoY. 
- Capital allocation: $35M share buybacks Q2; $135M repurchase authorization. M&A focus on cash deals. 
- Credit: Classified loans down 59bps YoY. Workout activity driving improvement. 
- Deposit flows: Seasonal outflows expected to reverse in H2. 


Hilltop Holdings Inc. (HTH) Q2 2025 Earnings Call Transcript

- **Q1 2025 Results**: Net income $42 million (+$23.6M from Moser sale), PlainsCapital Bank ROA 0.96%, PrimeLending loss $8M amid rate challenges.
- **NII Stability**: $105M stable YoY, 64% deposit beta to Fed cuts, yield curve benefits.
- **Mortgage Outlook**: Slow stabilization, $10-$30M/month retention, expenses being rightsized.
- **Credit Risk**: $106M ACL (1.33% of loans), $5M increase from office property downgrade.
- **Share Buybacks**: $33M Q1, $67M remaining, evaluating market value for future repurchases.

**【CEO Summary Section】**
- Q1 2025 net income: $42 million ($0.65 per diluted share), driven by PlainsCapital Bank's stable net interest income and Moser Energy Solutions gain of $23.6 million.
- PlainsCapital Bank: Pretax income $40 million (ROA 0.96%), with $9 million provision for credit losses due to negative credit migration.
- PrimeLending: $8 million pretax loss, origination volumes $1.7 billion (flat YoY), facing headwinds from elevated rates and affordability challenges.
- HilltopSecurities: Pretax income $9 million (8% margin), Public Finance up 34% YoY, offset by Fixed Income decline.
- Tangible book value per share: $30 (up $0.53 QoQ), with $33 million share repurchases.

**【CFO Financial Commentary】**
- Net interest income: $105 million (stable YoY), benefiting from 64% deposit beta to Fed rate cuts and yield curve steepening.
- Non-interest income: $213.3 million (includes $42 million from Moser sale), Mortgage fees stable YoY, Fixed Income under pressure.
- Non-interest expenses: $188 million (flat YoY), with $11.3 million impact from Moser sale and $6.5 million legal recovery.
- Credit metrics: Allowance for credit losses $106 million (1.33% of loans), $5 million increase due to office property downgrade.
- Loan growth guidance: 0%-3% YoY, with mortgage retention $10-$30 million/month.

**【Q&A Key Highlights】**
- **Deposit costs**: 297 bps (down 30 bps QoQ), expects modest further decline if Fed cuts continue.
- **Mortgage outlook**: Slow stabilization, rightsizing expenses vs. 12-18 month market view.
- **Credit risk**: $18 million office property downgrade, no systemic trends but monitoring macro risks.
- **Buyback activity**: $33 million Q1, $67 million remaining under $100 million authorization, evaluating market value.
- **Expense management**: Fixed costs down 12% YoY at PrimeLending, broader franchise efficiency efforts ongoing.

Hilltop (HTH)-25 Apr 25-2025 Q1 Earnings call transcript

- **Strong 2024 Performance**: Net income of $113 million, driven by deposit growth (+$600M Q4) and improved credit quality. Q4 ROA of 0.9% and ROE of 6.5% reflect operational efficiency.
- **Q4 Earnings Beat**: $36 million net income, with PlainsCapital Bank ROA of 1.24% and PrimeLending loss of $9.9M due to market challenges.
- **2025 Outlook**: 2%-5% loan growth target, 2%-4% asset sensitivity reduction, and $100M share buyback authorization.
- **Key Risks**: Mortgage market volatility, commercial real estate exposure, and deposit cost management.
- **Positive Signs**: Deposit growth streak continues, credit portfolio shows stability, and structured finance business remains resilient.


**【Management Overview】**
- **2024 Full-Year Performance**: Net income of $113 million ($1.74 per diluted share), driven by growth in core deposits (+$600M in Q4), improved credit quality, and operational efficiency. Return on average assets (ROA) was 0.9%, and return on average equity (ROE) was 6.5%.
- **Q4 2024 Results**: Net income of $36 million ($0.55 per diluted share). PlainsCapital Bank reported pretax income of $51 million, with a 1.24% ROA. PrimeLending reported a pretax loss of $9.9 million due to reduced origination volumes.
- **Strategic Focus**: Risk management, balance sheet positioning, and long-term value creation through synergistic business models.

**【Financial Details】**
- **Net Interest Income (NII)**: $105.5 million in Q4, stable vs. Q3, with NIM compression to 272 basis points due to declining rates and excess cash growth.
- **Credit Performance**: Allowance for credit losses (ACL) decreased by $9.8 million to $101 million, reflecting improved credit migration and economic outlook. Net charge-offs were $3.9 million, primarily from auto note portfolio.
- **Deposit Growth**: Average deposits increased by $600 million in Q4, with core interest-bearing deposits growing for the fourth straight quarter. Deposit cost declined to 327 basis points.
- **Noninterest Income**: $196 million in Q4, driven by public finance services (+32% YoY) and structured finance gains. Mortgage-related income showed signs of recovery but remained pressured by market conditions.
- **Expense Management**: Noninterest expenses increased by $12 million YoY, primarily due to variable compensation. Management expects expenses to stabilize at $185-190 million per quarter.

**【Outlook for 2025】**
- **Loan Growth**: 2%-5% average growth, driven by PlainsCapital Bank's pipeline and PrimeLending mortgage retention ($10-30M/month).
- **Asset Sensitivity**: Targeting 2%-4% asset sensitivity, down from current 6.5%. Strategies include reinvesting securities cash flows, retaining hybrid mortgages, and managing excess cash levels.
- **Capital Allocation**: $100 million share repurchase authorization, with focus on returning capital through dividends and buybacks. No plans for accelerated repurchase programs beyond current authorization.

**【Q&A Highlights】**
- **Merchant Banking Gain**: Expected after-tax gain of $23-27 million from Moser Energy sale, to be recognized in Q1 2025. Proceeds will support capital priorities, including buybacks.
- **Mortgage Market**: PrimeLending faces headwinds from higher rates and housing supply constraints, but pipeline activity is improving.
- **Credit Quality**: Stable across portfolio, with no systemic risks identified. Monitoring commercial real estate exposure to higher rates.
- **Deposit Beta Management**: Achieved 62% interest-bearing deposit beta in response to rate cuts. Aiming to minimize cost through prudent repricing.


Actual											0.51	1.08	1.69	1.3	1.46	1.21	1.15	0.78	0.28	0.45	0.5	0.39	0.4	0.28	0.57	0.44	0.42	0.31	0.46	0.55	0.65	0.57	0.74	0.69
Forecast											0.39	0.494	0.9775	1.1446	1.0117	1.007	0.816	0.735	0.534	0.345	0.2075	0.265	0.245	0.4025	0.475	0.4025	0.25	0.2575	0.3675	0.28	0.27	0.405	0.505	0.435
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+30.77%	+118.62%	+72.89%	+13.58%	+44.31%	+20.16%	+40.93%	+6.12%	-47.57%	+30.43%	+140.96%	+47.17%	+63.27%	-30.43%	+20.00%	+9.32%	+68.00%	+20.39%	+25.17%	+96.43%	+140.74%	+40.74%	+46.53%	+58.62%

HTH

HTH fundamentals

HTH Q4 2025 Earnings

Earnings Call

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HTH

HTH fundamentals

HTH Q4 2025 Earnings

Earnings Call

HTH Earnings Call Summary for Q4/20259:00 AM on Jan 30, 2026

HTH Earnings Call Summary for Q3/20259:00 AM on Oct 24, 2025

HTH Earnings Call Summary for Q2/20259:00 AM on Jul 25, 2025

HTH Earnings Call Summary for Q1/20259:00 AM on Apr 25, 2025

HTH Earnings Call Summary for Q4/20249:00 AM on Jan 31, 2025

You can ask Aime