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Hilltop Holdings Inc (HTH)
NYSE:HTH
Earnings Data
Report Date
Apr 16, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.53Last Year’s EPS
0.65Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally positive tone driven by strong full-year earnings growth (46% rise in net income), revenue expansion (8% increase), improved net interest margin, solid capital ratios, and meaningful returns of capital to shareholders. Business lines at Hilltop Securities and PlainsCapital Bank performed well, and loan pipelines and deposit-cost improvements support near-term growth. Primary negatives were concentrated: mortgage market headwinds limiting PrimeLending profitability, a pair of stressed auto credits that drove material Q4 charge-offs and elevated provisions, and modest expense pressure from variable compensation and severance. Overall, the positives (earnings growth, operating leverage, capital strength, and strategic execution) outweigh the company-specific credit and mortgage challenges.Company Guidance
Strong Full-Year Earnings Growth
Consolidated income attributable to common stockholders for 2025 was $165.6 million, or $2.64 diluted EPS, representing a 46% increase versus the prior year.
Improved Revenue and Operating Leverage
Total revenues increased 8% to approximately $1.3 billion in 2025 while expenses grew 2%, resulting in positive operating leverage of 6% for the year.
Return of Capital to Shareholders
Hilltop returned $229 million to stockholders in 2025 via share repurchases and dividends; in Q4 the company returned $11 million via dividends and repurchased $61 million in shares.
Net Interest Income and Margin Expansion
Net interest income grew 7% year-over-year; consolidated net interest margin increased 30 basis points to 302 basis points versus 2024. PlainsCapital Bank NIM expanded to 329 basis points and improved 12 basis points year-over-year.
Hilltop Securities Strong Performance
Hilltop Securities produced $501 million in net revenues with a 13.5% pretax margin for the year; Q4 pretax income was $26 million on $138 million in revenues (18% pretax margin). Public finance net revenues rose 20% YoY and wealth management net revenues grew 16% to $53 million.
Mortgage Business Signs of Stabilization
PrimeLending posted a seasonally adjusted Q4 origination volume of $2.4 billion; refinance volumes increased $168 million (49% YoY) and gain-on-sale margins improved 19 basis points in 2025.
Solid Capital and Book Value Metrics
Common Equity Tier 1 capital ratio of 19.7%; tangible book value per share increased $0.60 from prior quarter to $31.83.
Loan Growth and Healthy Pipeline
Average HFI loans were $8.2 billion (Q4), up 1.8% vs prior quarter and up $361 million year-over-year, with a loan pipeline entering 2026 of about $2.6 billion and management expects full-year average bank loan growth of 4%–6% (exclusions noted).
Deposit Cost Improvements and Funding Trends
Average interest-bearing deposit cost declined to 269 basis points (down 21 bps vs Q3 2025 and down 44 bps vs prior year period); ending deposits increased ~ $200 million year-over-year net of returned sweep deposits.
HTH Earnings History
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 |
|---|---|---|---|
Jan 29, 2026 | $36.80 | $37.45 | +1.77% |
Oct 23, 2025 | $32.26 | $33.70 | +4.46% |
Jul 24, 2025 | $30.26 | $30.17 | -0.30% |
Apr 25, 2025 | $28.48 | $28.53 | +0.18% |
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 Apr 16, 2026, After Close (Confirmed).
What is Hilltop Holdings Inc (HTH) earnings time?
Hilltop Holdings Inc (HTH) earnings time is at Apr 16, 2026, 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 2026 (Q1) is 0.53.