Hilltop Holdings Inc (HTH)
NYSE:HTH
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Earnings Data
Report Date
Jul 16, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.5Last Year’s EPS
0.24Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a largely constructive financial picture: solid consolidated profitability, meaningful NII and margin expansion, disciplined capital returns and a strong broker‑dealer quarter that drove a 60% YoY increase in pretax income. Loan growth, an improved asset mix and significant fixed income gains were notable positives. Offsetting items include a small operating loss at PrimeLending, mortgage demand uncertainty from geopolitical and rate volatility, targeted charge-offs in the auto note portfolio, modest deposit outflows and the potential for margin volatility if competitive pressures or rate paths change. On balance, the positive operational and capital metrics outweigh the transitory and sector-specific headwinds.Company Guidance
Consolidated Profitability and EPS
Net income of approximately $37.8 million, or $0.64 per diluted share; return on average assets of 1.0% and return on average equity of 7.1% for the quarter.
Net Interest Income and Margin Expansion
Net interest income of $112 million, up $7 million or +6.7% year-over-year, driven by a favorable net interest margin of 3.38% and improved deposit cost management (interest-bearing cost down 20 bps to 249 bps).
Loan Growth and Balance Sheet Mix Shift
Average HFI loans $8.3 billion grew $218 million (+2.7% vs. Q4) with average HFI loans up approximately $407 million year-over-year and management targeting full-year average HFI loan growth of 4%–6%; average excess cash declined by about $1.1 billion, supporting margin expansion.
HilltopSecurities Strong Performance
HilltopSecurities delivered pretax income of $15 million on net revenue of $116 million (pretax margin 12.7%), improving pretax income by +60% year-over-year; fixed income services net revenue rose 58% YoY to $14 million; public finance and structured finance produced solid net revenues (~$23.6 million each).
Mortgage Origination Recovery at PrimeLending
Mortgage-related income and fees increased by $5 million YoY driven by a 16% increase in loan origination volumes; management maintaining full-year mortgage production guidance of $9 billion–$10 billion.
Capital Return and Strong Capital Position
Common Equity Tier 1 ratio of 19.1% and tangible book value per share of $31.97; returned $11.8 million in dividends and repurchased $47.5 million of shares in the quarter with a $125 million repurchase authorization for the year.
Improved Credit Allowance Metrics
Allowance for credit losses declined by $2.5 million to $89 million, representing an ACL to total loans HFI ratio of 106 basis points, reflecting modest portfolio credit quality improvement and positive rating migration.
Expense Control and Productivity
Noninterest expenses declined by $3 million to $248 million year-over-year; management guiding non-variable expense growth of 0%–2% while investing in technology and client-facing resources to drive productivity.
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 |
|---|---|---|---|
Apr 23, 2026 | $37.96 | $36.65 | -3.45% |
Jan 29, 2026 | $36.61 | $37.26 | +1.76% |
Oct 23, 2025 | $32.09 | $33.53 | +4.47% |
Jul 24, 2025 | $30.10 | $30.01 | -0.30% |
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 Jul 16, 2026, After Close (Confirmed).
What is Hilltop Holdings Inc (HTH) earnings time?
Hilltop Holdings Inc (HTH) earnings time is at Jul 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 (Q2) is 0.5.