)
Visual
test
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 7 Feb517271
Strong revenue and profit growth, interim dividend, and major investments approved. - 7 Feb514167
Quarterly and nine-month results reflect solid revenue, profit, and compliance with new labour codes. - 7 FebMGL
Strong revenue growth offset by lower margins and profit; interim dividend declared. - 7 FebPGIL
Strong revenue and margin growth, with India set for further expansion and upgraded ratings. - 7 Feb504614
Strong revenue and profit growth in Q3 FY26, led by power and steel segments. - 7 FebCHEMPLASTS
Net losses widened and revenue fell year-over-year amid regulatory and market headwinds. - 7 FebSBIN
Q3 FY26 net profit reached ₹21,028.15 crore, driven by robust income and strategic divestments. - 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand.
Next Hilltop earnings date
Q1 202624 Apr, 2026
Hilltop
Next Hilltop earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage