HTH Earnings Prediction
The chart below shows how HTH performed 10 days before and after its earnings report, based on data from the past quarters. Typically, HTH sees a -0.51% change in stock price 10 days leading up to the earnings, and a +1.54% change 10 days following the report. On the earnings day itself, the stock moves by -0.03%. This data can give you a slight idea of what to expect for the next quarter's release.
HTH Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
252.00M
1.11%
-2.19%
Gross Margin
--
--
--
Operating Margin
17.53%
14.73%
6.44%
Net Margin
15.03%
21.01%
17.70%
EPS
0.55
25.00%
19.57%
No Data Available
HTH Earnings Analysis
Hilltop Holdings Inc Corporation (HTH.N) Earnings Conference Call
Positive
Strong Financial Performance: Hilltop reported net income of approximately $36,000,000 or $0.55 per diluted share for Q4 2024, reflecting strong financial performance.
Asset and Equity Utilization: Return on average assets for the period was 0.9% and return on average equity was 6.5%, indicating effective asset and equity utilization.
Return on Average Assets: PlainsCapital Bank generated $51,000,000 of pre-tax income on $13,300,000,000 of average assets, representing a return on average assets of 1.24%.
Deposit Balance Growth: Average deposit balances at the bank increased by nearly $600,000,000 during the quarter, marking the fourth consecutive quarter of growth in core interest-bearing deposits.
Strong Capital Position: Hilltop maintained a strong capital position with a common equity Tier 1 capital ratio of 21% and a tangible book value per share increase to $29.49, reflecting solid financial health.
Negative
Net Interest Income Decline: Net interest income declined by 11% for the full year of 2024, indicating a significant reduction in earnings from interest-bearing assets.
Q4 Pretax Loss: PrimeLending reported a pretax loss of $9,900,000 in Q4, primarily due to a reduction in origination lock volumes, reflecting ongoing challenges in the mortgage market.
Loan Activity Decline: Average loans at PlainsCapital Bank decreased by approximately 1% in Q4, signaling a decline in lending activity and potential future revenue.
Rising Non-Interest Expenses: Non-interest expenses increased by $12,000,000 year-over-year to $263,000,000, driven by higher variable compensation expenses, which could pressure overall profitability.
Valuation Adjustment Loss: A negative valuation adjustment of $5,000,000 was recognized related to an owned office facility that management intends to exit, indicating potential future losses from this asset.
HTH FAQs
How does HTH typically perform around its earnings report dates?
Is Hilltop Holdings Inc (HTH) Q4 2024 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
HTH Earning Call Sentiment
Earnings call transcript: Hilltop Holdings Q4 2024 beats EPS forecast
HTH.N
-0.57%Positive
The earnings call presents a stable financial performance with a slight increase in net income and EPS, strong capital ratios, and a significant share repurchase plan. Despite a slight decline in NIM and average loans, the reversal of credit loss provisions and increased non-interest income are positive. The Q&A reveals management's confidence in loan pipelines and a $100M share repurchase authorization. While there are concerns about structured finance revenues, the overall sentiment is positive, suggesting a likely stock price increase of 2% to 8% over the next two weeks.
