Hilltop Projects Steady NII Forecast with $0.74 EPS Amid Leadership Change and Growing Competition
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 24 2025
0mins
Source: SeekingAlpha
Financial Performance: Hilltop Holdings reported a net income of approximately $46 million for Q3 2025, with a return on average equity of 8.35%. The company experienced growth in net interest income and core loan balances, despite challenges in the mortgage market.
Management Changes: Key leadership transitions were announced, including the retirement of PlainsCapital Bank's Chief Credit Officer and the promotion of Brent Raindl to the position, indicating a focus on strengthening management amid ongoing market pressures.
Outlook and Guidance: The company anticipates a stable net interest income in the near term, with expectations of additional rate cuts in 2025 and 2026. However, management expressed caution regarding loan growth and competitive pressures in the Texas market.
Risks and Concerns: Ongoing challenges in mortgage origination and heightened competition were highlighted as risks, along with concerns about subprime auto exposure and broader economic uncertainties affecting the financial landscape.
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Analyst Views on HTH
Wall Street analysts forecast HTH stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for HTH is 35.00 USD with a low forecast of 34.00 USD and a high forecast of 36.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
0 Buy
2 Hold
0 Sell
Hold
Current: 36.420
Low
34.00
Averages
35.00
High
36.00
Current: 36.420
Low
34.00
Averages
35.00
High
36.00
About HTH
Hilltop Holdings Inc. is a diversified financial holding company. The Company operates through three segments: banking, broker-dealer, and mortgage origination. The banking segment includes the operations of PlainsCapital Bank (the Bank). The banking segment primarily provides business and consumer banking services from offices located throughout Texas and generates revenue from its portfolio of earning assets. The broker-dealer segment includes the operations of Securities Holdings, which operates through its wholly owned subsidiaries, Hilltop Securities, Momentum Independent Network and Hilltop Securities Asset Management, LLC. This segment offers investment advisory and securities brokerage services. The mortgage origination segment includes the operations of PrimeLending, which offers a variety of loan products. This segment includes origination and servicing of loans and selling these loans in the secondary market. It operates through approximately 280 locations in 48 states.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Hilltop Reports Q4 Earnings with $0.69 EPS
- Earnings Highlights: Hilltop Holdings reported a Q4 GAAP EPS of $0.69, with revenue of $329 million, indicating the company's stability in the current economic environment despite not exceeding market expectations.
- Revenue Analysis: The $329 million revenue for Q4 reflects ongoing demand in the financial services sector, yet the limited growth compared to the previous year suggests increasing market competition.
- Investment Rating: Seeking Alpha's Quant Rating on Hilltop positions it as a reliable and conservative investment choice, although the current market conditions may not favor aggressive investment strategies.
- Historical Performance: Historical financial data for Hilltop indicates that despite facing challenges, the company maintains stable profitability, making it a focus for risk-averse investors.
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Hilltop Holdings Reports Strong 2025 Financial Results
- Quarterly Income Growth: Hilltop Holdings reported income attributable to common stockholders of $41.6 million in Q4 2025, translating to $0.69 per diluted share, marking a 17.5% increase from $35.5 million and $0.55 per share in Q4 2024, demonstrating resilience amid economic uncertainties.
- Annual Performance Improvement: For the full year 2025, income attributable to common stockholders reached $165.6 million, or $2.64 per diluted share, a 46.3% increase from $113.2 million and $1.74 per share in 2024, reflecting strong overall business performance.
- Increased Shareholder Returns: The Board declared a quarterly cash dividend of $0.20 per share, an 11% increase from the prior quarter, payable on February 27, 2026, indicating the company's ongoing commitment to shareholders and financial health.
- Stock Buyback Program: Hilltop authorized a new stock repurchase program to buy back up to $125 million of its common stock by January 2027, having already repurchased 5.7 million shares in 2025, signaling confidence in the value of its stock.
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