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Hilltop Holdings Inc.

NYSE•HTH
CEO: Mr. Jeremy Blue Ford
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2004-02-19
Hilltop Holdings Inc. provides business and consumer banking services. It operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It also provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is based in Dallas, Texas.
Contact Information
6565 Hillcrest Avenue, Dallas, TX, 75205, United States
214-855-2177
www.hilltop.com
Market Cap
$2.21B
P/E (TTM)
13.2
13.8
Dividend Yield
2.1%
52W High
$40.41
52W Low
$27.35
52W Range
67%
Rank41Top 44.9%
4.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$411.17M+21.65%
4-Quarter Trend

EPS

$0.69+25.45%
4-Quarter Trend

FCF

-$49.28M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong 2025 Net Income Net income attributable to Hilltop rose to $165.6M in 2025, up 46% from $113.2M in 2024; diluted EPS reached $2.64.
Net Interest Income Improved NII increased to $440.7M, driven by decreased deposit funding costs following Federal Reserve rate cuts. Consolidated NIM improved to 3.00%.
Merchant Bank Equity Gain Noninterest income benefited from a significant pre-tax gain of $27.8M recognized in Q1 2025 from the sale of a merchant bank equity investment.
Robust Capital Ratios Maintained CET1 ratio stood at 19.70% at year-end 2025, exceeding regulatory minimums despite capital deployment for debt redemptions.

Risk Factors

Credit Loss Provision Increased Provision for credit losses jumped to $7.3M in 2025 from $0.94M in 2024; net charge-offs totaled $16.9M, heavily impacting the allowance.
Mortgage Origination Losses Mortgage origination segment incurred a pre-tax loss of $17.5M in 2025, continuing operational challenges in the mortgage lending environment.
Interest Rate Sensitivity Exposure Banking segment remains asset sensitive; simulation analysis shows potential NII volatility if interest rates move contrary to current expectations.
Evolving Cybersecurity Threats Operational systems face increasing cybersecurity risks from evolving threats, requiring continuous investment in security controls and third-party oversight.

Outlook

Economic Headwinds Persist Future performance depends on uncertain economic conditions, including inflation, interest rate paths, and geopolitical factors impacting loan demand and credit quality.
Regulatory Capital Management Management anticipates maintaining capital positions well above minimum supervisory levels, focusing on Basel III requirements and potential future regulatory changes.
MSR Portfolio Management Mortgage segment expects MSR asset levels to remain insignificant in the short-term following significant sales activity in prior periods.
Dividends and Repurchases Future dividends and stock repurchases remain subject to board discretion, capital availability, and debt service requirements.

Peer Comparison

Revenue (TTM)

PNFP stock ticker logoPNFP
$2.92B
+2.3%
HTH stock ticker logoHTH
$1.63B
+5.5%
CUBI stock ticker logoCUBI
$1.41B
+3.9%

Gross Margin (Latest Quarter)

OFG stock ticker logoOFG
80.6%
+14.5pp
HTH stock ticker logoHTH
78.3%
+5.0pp
BANR stock ticker logoBANR
76.1%
+3.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNFP$6.65B10.49.5%4.4%
TRMK$2.50B11.110.8%5.9%
FRME$2.37B9.59.5%5.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.4%
Moderate Growth
4Q Net Income CAGR
-0.4%
Stable Profitability
Cash Flow Stability
50%
Cash Flow Needs Attention

Deep Research

Next earnings:Apr 16, 2026
|
EPS:$0.45
|
Revenue:$304.25M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data