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Hilltop
Hilltop (HTH) investor relations material
Hilltop Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Q4 2025 net income was $42 million ($0.69 per diluted share), with full-year net income of $166 million, up 46% year-over-year.
PlainsCapital Bank delivered $43.5 million pre-tax income in Q4, while PrimeLending posted a $5 million pre-tax loss; HilltopSecurities achieved $26 million pre-tax income and an 18% pre-tax margin.
$229 million was returned to shareholders in 2025 via dividends and share repurchases.
Board declared a quarterly cash dividend of $0.20 per share, an 11% increase, and authorized a new $125 million stock repurchase program.
Return on average assets for Q4 was 1.1%, and return on average equity was 7.6%.
Financial highlights
Q4 net interest income grew 7% year-over-year; noninterest income grew 11% to $217.4 million.
Full-year total revenue was $1.3 billion, up 8%; efficiency ratio improved to 81.5% in Q4.
Net interest margin for Q4 expanded to 3.29% at PlainsCapital Bank and 3.02% consolidated.
Allowance for credit losses ended Q4 at $91.5 million (1.1% of loans), with a $7.8 million provision in Q4.
Tangible book value per share increased to $31.83 at year-end 2025.
Outlook and guidance
Expecting 4%-6% average bank loan growth in 2026, excluding PrimeLending and Mortgage Warehouse Lending.
Broker-dealer pre-tax margin guidance remains at 10%-14% for 2026.
Guidance assumes three Fed rate cuts in 2026; each 25 bps cut impacts NII by ~$4.5 million annually.
Non-variable expenses expected to increase 0%-2%, remaining stable at $180–$190 million per quarter.
Effective tax rate anticipated at 22%-24%.
Q4 credit quality trends and outlook
Capital deployment strategy for 2026
PrimeLending's path to profitability in 2026
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Next Hilltop earnings date
Q1 202624 Apr, 2026
Hilltop
Next Hilltop earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Hilltop Holdings Inc. is a financial holding company engaged in banking, mortgage origination, and financial services. Its primary subsidiaries include PlainsCapital Bank, a full-service commercial bank, and PrimeLending, a residential mortgage originator. The company also offers investment banking and insurance services through affiliated businesses. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
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