Michael Rose

Jordan Ghent

Wood Lay

Woody Lay

Stephen Scouten

Andrew Gorczyca

Jordan Gantt

Jordan Jen

Tim Mitchell

Timothy Mitchell

- **Net income attributable to Hilltop Holdings was $45.8 million, or $0.74 per diluted share, for Q3 2025**, representing a 27% increase from Q2 2025 and a 54% increase from Q3 2024.  **[0001265131_2201701:7]** **[0001265131_2201701:9]** 
- The company returned **$66.3 million to stockholders in Q3 2025**, comprising $11.2 million in dividends and $55.1 million in share repurchases.  **[0001265131_2201701:8]** 
- **PlainsCapital Bank generated $54.7 million in pre-tax income**, and HilltopSecurities generated **$26.5 million in pre-tax income** during Q3 2025, while PrimeLending incurred a **$7.2 million pre-tax loss**.  **[0001265131_2201701:7]** **[0001265131_2201701:17]** **[0001265131_2201701:18]** 
- Noninterest expenses increased to **$271.9 million in Q3 2025** from $264.3 million in Q3 2024, with the company's efficiency ratio at **82.3%**.  **[0001265131_2201701:9]** **[0001265131_2201701:12]** 
- The company's tangible book value per share increased to **$31.23 as of September 30, 2025**, and its Common Equity Tier 1 Risk-Based Ratio was **20.33%**.  **[0001265131_2201701:8]**

Hilltop Holdings Reports Q3 2025 Financial Results

- Hilltop Holdings reported **net income of approximately $46 million or $0.74 per diluted share** for the third quarter of 2025, with a return on average assets of **1.2%** and return on average equity of **8.35%**.  **[0001265131_2202351_1]** **[0001265131_2202351_3]** 
- **PlainsCapital Bank** generated **$55 million of pre-tax income** with continued net interest margin expansion and strong core loan and deposit growth.  **[0001265131_2202351_1]**  **Hilltop Securities Inc.** produced **$26.5 million in pre-tax income** from robust net revenue growth across all business lines, achieving an **18% pre-tax margin**.  **[0001265131_2202351_1]**  Conversely, **PrimeLending** reported a **pre-tax loss of $7 million** due to a subdued mortgage market.  **[0001265131_2202351_1]** 
- The company maintains strong capital levels, with a common equity tier one capital ratio of **20%** and tangible book value per share increasing to **$31.23**.  **[0001265131_2202351_2]**  Hilltop returned **$11 million to stockholders through dividends** and repurchased **$55 million in shares** during the quarter, indicating a more consistent approach to buybacks.  **[0001265131_2202351_2]** **[0001265131_2202351_6]** 
- Credit quality remained strong, with the allowance for credit losses declining by **$2.8 million to $95 million**, resulting in a coverage ratio of ACL to loans HFI of **1.16%**.  **[0001265131_2202351_3]**  Net charge-offs for the quarter were **$282,000 or one basis point** of the overall loan portfolio, and management does not anticipate significant systemic risk.  **[0001265131_2202351_5]** **[0001265131_2202351_3]** 
- Management expects net interest income (NII) levels to remain relatively stable over the coming quarters, with modest downward pressure in Q1 2026 due to seasonal mortgage production weakness.  **[0001265131_2202351_3]**  Full-year average total loans are projected to increase **0% to 2%** from 2024 levels.  **[0001265131_2202351_5]**

Hilltop Holdings Reports Q3 2025 Earnings

- Hilltop Holdings reported **net income of approximately $46 million** or **$0.74 per diluted share** for Q3 2025, achieving a **return on average assets of 1.2%** and **return on average equity of 8.35%**.  **[0001265131_2202360_1]** **[0001265131_2202360_3]** 
- **PlainsCapital Bank** generated **$55 million of pre-tax income** with a **seven basis point increase in net interest margin**, while **PrimeLending** recorded a **pre-tax loss of $7 million** due to a subdued mortgage market.  **[0001265131_2202360_1]** 
- **Hilltop Securities Inc.** delivered a strong quarter with **$26.5 million in pre-tax income** on **$144.5 million of net revenues**, resulting in an **18% pre-tax margin** driven by robust growth across all business lines.  **[0001265131_2202360_1]** 
- The company maintained **strong capital levels** with a **common equity tier one capital ratio of 20%** and increased **tangible book value per share to $31.23**.  **[0001265131_2202360_2]**  Hilltop returned **$11 million to stockholders through dividends** and **repurchased $55 million in shares** during the period.  **[0001265131_2202360_2]** 
- The allowance for credit losses declined by **$2.8 million to $95 million**, reflecting improved asset quality and stronger economic conditions, with a **coverage ratio of ACL to loans HFI of 1.16%**.  **[0001265131_2202360_3]**

- Hilltop Holdings reported **net income of $46,000,000**, or **$0.74 per diluted share**, for Q3 2025, with a return on average assets of **1.2%** and return on average equity of **8.35%**.  **[0001265131_2202222_1]** 
- PlainsCapital Bank achieved **$55,000,000** in pretax income, driven by a **seven basis point** increase in net interest margin and **6%** linked-quarter core deposit growth.  **[0001265131_2202222_1]**  Hilltop Securities delivered **$26,500,000** in pretax income on **$144,500,000** in net revenues, while PrimeLending recorded a **$7,000,000 pretax loss** due to a dampened home buying market.  **[0001265131_2202222_1]** **[0001265131_2202222_2]** 
- The company maintained a strong common equity Tier one capital ratio of **20%** and increased tangible book value per share by **$0.67** to **$31.23**.  **[0001265131_2202222_2]**  Hilltop returned **$11,000,000** to stockholders through dividends and repurchased **$55,000,000** in shares, indicating a more consistent approach to buybacks.  **[0001265131_2202222_2]** **[0001265131_2202222_6]** 
- The allowance for credit losses declined by **$2,800,000** to **$95,000,000**, with net charge-offs at **$282,000**.  **[0001265131_2202222_3]** **[0001265131_2202222_5]**  Management anticipates one additional **25 basis point rate cut in 2025** and two more in 2026, expecting net interest income to remain relatively stable.  **[0001265131_2202222_3]**

Hilltop Holdings Reports Q3 2025 Net Income of $46 Million, Strong Bank and Securities Performance Offset by Mortgage Loss

- Hilltop Holdings Inc. reported **net income of $46 million** or **$0.74 per diluted share** for the third quarter of 2025.  **[0001265131_2202183_1]** **[0001265131_2202183_3]** 
- **PlainsCapital Bank** generated **$55 million** in pre-tax income with a **seven basis point increase in net interest margin**, and **Hilltop Securities Inc.** produced **$26.5 million** in pre-tax income on **$144.5 million** net revenues, achieving an **18%** pre-tax margin.  **[0001265131_2202183_1]**  Conversely, **PrimeLending** reported a **pre-tax loss of $7 million** due to a dampened home buying market.  **[0001265131_2202183_1]** 
- The company maintains strong capital levels with a common equity tier one capital ratio of **20%** and increased tangible book value per share by **$0.67** to **$31.23**.  **[0001265131_2202183_2]**  Hilltop Holdings returned **$11 million** to stockholders through dividends and repurchased **$55 million** in shares during the quarter, with management indicating a focus on consistent share repurchases.  **[0001265131_2202183_2]** **[0001265131_2202183_6]** 
- Management anticipates one additional **25 basis point rate cut in 2025** and two more in the first half of 2026, expecting net interest income (NII) levels to remain relatively stable with modest downward pressure in Q1 2026.  **[0001265131_2202183_3]**  Full-year average total loans are projected to increase **0% to 2%** from 2024 levels.  **[0001265131_2202183_5]**

Hilltop Holdings Reports Q3 2025 Earnings with Mixed Segment Results and Increased Share Repurchases

- Hilltop Holdings reported strong financial results for **Q3 2025**, with **net income reaching $46 million** and **revenue increasing 7.5% year-over-year to $330.2 million**, resulting in **earnings per share of $0.74**.  **[1265131_56398f9f8d7b4bda95b4400fa1daf711]** 
- The company's **net interest margin improved to 3.06%** from 3.01% in the prior quarter, and **book value per common share rose to $35.69**.  **[1265131_56398f9f8d7b4bda95b4400fa1daf711]** 
- While PlainsCapital Bank generated **$55 million in pre-tax income** and Hilltop Securities contributed strong results, PrimeLending experienced a **$7 million pre-tax loss** due to a weak home-buying market.  **[1265131_56398f9f8d7b4bda95b4400fa1daf711]** 
- Hilltop Holdings returned **$66 million to shareholders** through dividends and share repurchases, and expanded its stock repurchase program to **$185 million**.  **[1265131_56398f9f8d7b4bda95b4400fa1daf711]**

Hilltop Holdings (HTH)