Q3 2025 Hilltop Holdings Inc Earnings Call Transcript
Key Points
- Hilltop Holdings Inc (HTH) reported a net income of approximately $46 million or $0.74 per diluted share for the third quarter.
- Plains Capital Bank experienced a continued expansion in net interest margin and strong growth in both core loan and deposit balances.
- Hilltop Securities produced a strong pre-tax margin from robust net revenue growth across all four of its business lines.
- The company maintains strong capital levels with a common equity tier one capital ratio of 20%.
- Hilltop Holdings Inc (HTH) returned $11 million to stockholders through dividends and repurchased $55 million in shares during the period.
- Prime lending reported a pre-tax loss of $7 million during the quarter due to subdued mortgage origination volumes.
- Existing home sales across the country reached their lowest level in over 30 years, impacting the mortgage segment.
- The company expects heightened competition for mortgage origination volume to keep margins and fees under pressure.
- Non-interest expenses increased by $7.6 million to $272 million compared to the same period in the prior year.
- The auto financing portfolio is in rundown mode, with some exposure to subprime auto loans, which are being closely monitored.
Good morning ladies and gentlemen, and welcome to the Hilltop Holdings Third quarter 2025 earnings conference call and webcast (Operator Instruction).
I would now like to turn the conference over to Matt Dunn. Please go ahead.
Thank you. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition. Credit risks and trends in credit, allowance for credit losses, liquidity and sources of funding costs, dividends, stock repurchases, subsequent events and impacts of interest rate changes, as well as such other items referenced in the preface of our presentation are forward-looking statements.
These statements are based on management's current expectations concerning future events that by their nature are subject to risks and uncertainties.
Our actual results,
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