Hilltop Q4 Revenue $329.9M, Exceeds Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4h ago
0mins
Reports Q4 revenue $329.9M, consensus $301.5M. Jeremy Ford, CEO, said, "2025 was a strong year for Hilltop from a financial, operational and capital management perspective. Within each line of business, and on a consolidated basis, pre-tax results improved versus the prior year. Further, Hilltop was able to execute successfully on a number of key initiatives across the company, while returning $231 million to stockholders via dividends and share repurchases. During 2025, PlainsCapital Bank produced healthy core loan and deposit growth while delivering a 1.17% return on average assets. PrimeLending, in the face of a continued challenging home-buying market, reduced pre-tax losses by 48% as the company made further operational efficiency improvements. HilltopSecurities capitalized on a strong year from its Structured Finance, Wealth Management and Public Finance business lines to deliver $501 million in net revenue with a pre-tax margin of 13.5%. As we move into 2026, we remain focused on delivering sound results while prudently managing capital."
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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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