The earnings call highlighted solid financial performance, including strong net income and growth in the loan portfolio. However, challenges in deposit balances, the mortgage origination market, and increased expenses were noted. While the highlights, such as strong public finance performance and capital returns to shareholders, are significant, the lowlights, especially in the mortgage sector, present notable challenges.

Company Guidance -

Q3 2025

During the Hilltop Holdings Second Quarter 2025 Earnings Conference Call, the company reported a net income of approximately $36 million or $0.57 per diluted share. Key metrics highlighted included a return on average assets of 1% and a return on average equity of 6.6%. PlainsCapital Bank realized a 19 basis points increase in net interest margin, with a resulting return on average assets of 1.35% from $12.7 billion in average assets. The bank generated $55 million in pretax income, while the cost of deposits declined by 9 basis points. Additionally, loan yields increased by 5 basis points, and core deposits grew by $275 million year-over-year. Hilltop Holdings returned over $46 million to stockholders through dividends and share repurchases. PrimeLending reported a pretax gain of $3 million, benefiting from a $9.5 million legal settlement, despite ongoing pressure in the mortgage origination market. HilltopSecurities achieved a pretax income of $6 million, with a pretax margin of 6%, driven by a 36% year-over-year increase in public finance services net revenues. The company's common equity Tier 1 capital ratio remained strong at 20.8%, and tangible book value per share increased by $0.54 to $30.56.

Strong Financial Performance

Hilltop reported net income of approximately $36 million or $0.57 per diluted share for Q2 2025. Return on average assets was 1% and return on average equity was 6.6%.

Improved Net Interest Margin

PlainsCapital Bank realized an increase in net interest margin by 19 basis points, with loan yields increasing by 5 basis points.

Loan Portfolio Growth

Positive growth in PlainsCapital Bank's loan portfolio, with a $94 million increase in HFI loans compared to Q1 2025.

Strong Public Finance Performance

Public Finance Services at HilltopSecurities saw a 36% year-over-year increase in net revenues.

Capital Return to Shareholders

Hilltop returned over $46 million to stockholders through dividends and share repurchases in Q2 2025.

Hilltop Holdings (HTH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HTH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.49 / -	0.46	―	―	―
Jul 24, 2025	2025 (Q2)	0.41 / 0.57	0.31	83.87% (+0.26)
Apr 25, 2025	2025 (Q1)	0.27 / 0.65	0.42	54.76% (+0.23)
Jan 30, 2025	2024 (Q4)	0.28 / 0.55	0.44	25.00% (+0.11)
Oct 24, 2024	2024 (Q3)	0.37 / 0.46	0.57	-19.30% (-0.11)
Jul 25, 2024	2024 (Q2)	0.26 / 0.31	0.28	10.71% (+0.03)
Apr 18, 2024	2024 (Q1)	0.25 / 0.42	0.4	5.00% (+0.02)
Jan 25, 2024	2023 (Q4)	0.40 / 0.44	0.39	12.82% (+0.05)
Oct 19, 2023	2023 (Q3)	0.47 / 0.57	0.5	14.00% (+0.07)
Jul 20, 2023	2023 (Q2)	0.40 / 0.28	0.45	-37.78% (-0.17)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HTH Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$30.59	$30.50	-0.29%
Apr 25, 2025	$28.80	$28.84	+0.14%
Jan 30, 2025	$29.45	$29.83	+1.29%
Oct 24, 2024	$30.04	$29.70	-1.13%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Hilltop Holdings Inc (HTH) report earnings?

Hilltop Holdings Inc (HTH) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Hilltop Holdings Inc (HTH) earnings time?

Hilltop Holdings Inc (HTH) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HTH EPS forecast?

HTH EPS forecast for the fiscal quarter 2025 (Q3) is 0.49.

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