Q4 2025 Hilltop Holdings Inc Earnings Call Transcript
Key Points
- Hilltop Holdings Inc (HTH) reported a 46% increase in net income for the full year 2025, reaching $166 million.
- The company returned $229 million to stockholders through share repurchases and dividends.
- PlainsCapital Bank saw an expansion in net interest margin by 12 basis points due to proactive management of deposit costs.
- Hilltop Securities achieved a 13.5% pretax margin on net revenue of $501 million.
- Hilltop Holdings Inc (HTH) maintained a strong capital position with a common equity Tier 1 capital ratio of 19.7%.
- PrimeLending reported a pretax loss of $5 million during the fourth quarter, with ongoing challenges in the mortgage industry.
- The company recorded a $7.8 million provision for credit loss in the fourth quarter due to stressed auto note credits.
- Noninterest expenses increased by $6 million compared to the prior year, driven by higher variable compensation and severance costs.
- The allowance for credit losses decreased by $3.6 million, with net charge-offs of $11.5 million in the fourth quarter.
- Hilltop Holdings Inc (HTH) experienced a decline in average total deposits by $233 million compared to the fourth quarter of 2024.
Good morning, ladies and gentlemen, and welcome to the Hilltop Holdings Fourth Quarter 2025 Earnings Conference Call and Webcast. (Operator Instructions)
This call is being recorded on Friday, January 30, 2026. And I would now like to turn the conference over to Mr. Matt Dunn. Thank you. 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, 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
| Access to All Earning Calls and Stock Analysis | |
| 30-Year Financial on one screen | |
| All-in-one Stock Screener with unlimited filters | |
| Customizable Stock Dashboard | |
| Real Time Insider Trading Transactions | |
| 8,000+ Institutional investors’ 13F holdings | |
| Powerful Excel Add-in and Google sheets Add-on | |
| All data downloadable | |
| Quick customer support | |
| And much more... |
Trustpilot
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
