Hilltop Holdings Inc (STU:WXF)

Q2 2026 Hilltop Holdings Inc Earnings Call Transcript

Jul 24, 2026 / 01:00 PM GMT

Release Date Price: €34.4 (+4.24%)

Transcript 10-Q8-K

Key Points

Positve

Hilltop Holdings Inc (HTH) reported a net income of $36.5 million or $0.63 per diluted share for the second quarter.
Plains Capital Bank achieved a robust loan pipeline and an expansion of the net interest margin to 3.42%, resulting in a 1.3% return on average assets.
Hilltop Securities delivered a $6 million year-over-year increase in pre-tax income, driven by strong performance in wealth management and structured finance.
The company maintained strong capital levels with a common equity tier one capital ratio of 18.3%.
Hilltop Holdings Inc (HTH) returned $11.6 million to stockholders through dividends and repurchased $47 million in shares, with a 10% increase in the quarterly cash dividend.

Negative

Prime Lending reported a pre-tax loss of $2 million due to a challenging mortgage market with higher property taxes, insurance costs, and tight inventory levels.
The mortgage market faced a muted start to the summer buying season, impacting overall industry volumes and gain on sale margins.
Non-interest expenses increased by $5.5 million or 2% compared to the prior year, driven by variable compensation.
Classified and special mention loans increased during the second quarter, largely due to the deterioration of a large single-family credit.
The allowance for credit losses could be volatile due to changes in the credit portfolio, net loan growth, and macroeconomic outlook.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HTH.N - Hilltop Holdings Inc
Q2 2026 Hilltop Holdings Inc Earnings Call
Jul 24, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello, everyone.

Thank you for joining us and welcome to Hilltop Holdings, second quarter 20,206 earnings conference call.

After today's prepared remarks, we will host a question-and-answer session.

If you would like to ask a question, please press 1 to raise your hand.

To withdraw your question, press 1 again.

I will now hand the conference over to Matt Dunn, Corporate Development Officer and head of investor relations.

Matt, 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,

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