The earnings call presented a balanced view with strong performance in the banking and securities segments, notably in net income, margins, and public finance. However, challenges persist in the mortgage business and structured finance, with pressure on deposit balances and increased noninterest expenses.

Company Guidance

During the Hilltop Holdings Second Quarter 2025 Earnings Conference Call, the company provided guidance highlighting several key metrics. Hilltop reported net income of approximately $36 million or $0.57 per diluted share, with a return on average assets of 1% and a return on average equity of 6.6%. PlainsCapital Bank achieved a net interest margin increase of 19 basis points, while PrimeLending faced challenges in the mortgage origination market, with a reported pretax gain of $3 million influenced by a nonrecurring legal settlement of $9.5 million. HilltopSecurities generated pretax income of $6 million on net revenues of $110 million, with a notable 36% year-over-year increase in public finance services net revenues. The company maintained strong capital levels, with a common equity Tier 1 capital ratio of 20.8%, and increased its tangible book value per share by $0.54 to $30.56. For the quarter, Hilltop returned $46 million to stockholders through dividends and share repurchases. The company also reported a net reversal in the provision for credit losses of $7.3 million, attributed to improvements in asset quality and changes in economic scenario assumptions.

Net Income and Shareholder Returns

Hilltop reported a net income of approximately $36 million or $0.57 per diluted share for the second quarter. The company returned over $46 million to stockholders through dividends and share repurchases.

PlainsCapital Bank Performance

PlainsCapital Bank generated $55 million of pretax income on $12.7 billion of average assets with a return on average assets of 1.35%. Net interest margin at the bank increased by 19 basis points.

Public Finance and Wealth Management Growth

HilltopSecurities' Public Finance Services produced a 36% year-over-year increase in net revenues. Wealth Management net revenues increased by $2.5 million.

Credit Loss Reversal

The results included a $7.3 million reversal of credit losses due to an improvement in underlying asset quality.

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	$30.42	$30.33	-0.30%
Apr 25, 2025	$28.64	$28.69	+0.17%
Jan 30, 2025	$29.29	$29.66	+1.26%
Oct 24, 2024	$29.87	$29.54	-1.10%

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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