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Hilltop Holdings Earnings Calls
| Release date | Oct 23, 2025 |
| EPS estimate | $0.490 |
| EPS actual | $0.740 |
| EPS Surprise | 51.02% |
| Revenue estimate | 296.473M |
| Revenue actual | 330.195M |
| Revenue Surprise | 11.37% |
| Release date | Jul 24, 2025 |
| EPS estimate | $0.410 |
| EPS actual | $0.570 |
| EPS Surprise | 39.02% |
| Revenue estimate | 318.644M |
| Revenue actual | 303.308M |
| Revenue Surprise | -4.81% |
| Release date | Apr 24, 2025 |
| EPS estimate | $0.280 |
| EPS actual | $0.650 |
| EPS Surprise | 132.14% |
| Revenue estimate | 286.656M |
| Revenue actual | 318.457M |
| Revenue Surprise | 11.09% |
| Release date | Jan 30, 2025 |
| EPS estimate | $0.280 |
| EPS actual | $0.550 |
| EPS Surprise | 96.43% |
| Revenue estimate | 286.72M |
| Revenue actual | 337.986M |
| Revenue Surprise | 17.88% |
Last 4 Quarters for Hilltop Holdings
Below you can see how HTH performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 30, 2025 |
| Price on release | $29.80 |
| EPS estimate | $0.280 |
| EPS actual | $0.550 |
| EPS surprise | 96.43% |
| Date | Price |
|---|---|
| Jan 24, 2025 | $28.90 |
| Jan 27, 2025 | $29.60 |
| Jan 28, 2025 | $29.61 |
| Jan 29, 2025 | $29.63 |
| Jan 30, 2025 | $29.80 |
| Jan 31, 2025 | $30.18 |
| Feb 03, 2025 | $30.03 |
| Feb 04, 2025 | $31.01 |
| Feb 05, 2025 | $32.28 |
| 4 days before | 3.11% |
| 4 days after | 8.32% |
| On release day | 1.28% |
| Change in period | 11.70% |
| Release date | Apr 24, 2025 |
| Price on release | $29.29 |
| EPS estimate | $0.280 |
| EPS actual | $0.650 |
| EPS surprise | 132.14% |
| Date | Price |
|---|---|
| Apr 17, 2025 | $28.63 |
| Apr 21, 2025 | $28.34 |
| Apr 22, 2025 | $28.78 |
| Apr 23, 2025 | $28.95 |
| Apr 24, 2025 | $29.29 |
| Apr 25, 2025 | $28.97 |
| Apr 28, 2025 | $29.02 |
| Apr 29, 2025 | $29.29 |
| Apr 30, 2025 | $29.53 |
| 4 days before | 2.31% |
| 4 days after | 0.82% |
| On release day | -1.09% |
| Change in period | 3.14% |
| Release date | Jul 24, 2025 |
| Price on release | $30.59 |
| EPS estimate | $0.410 |
| EPS actual | $0.570 |
| EPS surprise | 39.02% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $31.29 |
| Jul 21, 2025 | $31.35 |
| Jul 22, 2025 | $31.28 |
| Jul 23, 2025 | $31.36 |
| Jul 24, 2025 | $30.59 |
| Jul 25, 2025 | $30.50 |
| Jul 28, 2025 | $30.06 |
| Jul 29, 2025 | $29.79 |
| Jul 30, 2025 | $29.67 |
| 4 days before | -2.24% |
| 4 days after | -3.01% |
| On release day | -0.294% |
| Change in period | -5.18% |
| Release date | Oct 23, 2025 |
| Price on release | $32.44 |
| EPS estimate | $0.490 |
| EPS actual | $0.740 |
| EPS surprise | 51.02% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $31.77 |
| Oct 20, 2025 | $32.46 |
| Oct 21, 2025 | $32.17 |
| Oct 22, 2025 | $32.59 |
| Oct 23, 2025 | $32.44 |
| Oct 24, 2025 | $33.89 |
| Oct 27, 2025 | $32.91 |
| Oct 28, 2025 | $32.30 |
| Oct 29, 2025 | $32.46 |
| 4 days before | 2.11% |
| 4 days after | 0.0617% |
| On release day | 4.47% |
| Change in period | 2.17% |
Hilltop Holdings Earnings Call Transcript Summary of Q3 2025
Hilltop Holdings reported Q3 2025 net income of ~$46 million ($0.74 diluted), with ROA 1.2% and ROE 8.35%. PlainsCapital Bank drove results: $55M pretax on $12.6B assets, NIM expanded modestly (+7 bps noted; Will later says +5 bps) and strong core loan and deposit growth despite competitive Texas market; core deposits rose 6% linked-quarter, and $225M of broker-dealer sweep deposits were returned. PrimeLending remained challenged with a pretax loss of $7M as subdued mortgage volumes and margin/fee pressure continued; management is focused on cost reductions and sales hiring to restore profitability. HilltopSecurities delivered a strong quarter: $26.5M pretax on $144.5M net revenue (18% pretax margin) with broad-based revenue strength across Public Finance, Structured Finance, Wealth Management and Fixed Income. Capital is strong (CET1 20%), tangible book value per share improved to $31.23, $11M returned via dividends and $55M in buybacks during the quarter; management signaled greater consistency in repurchases given excess capital. Credit trends improved: $2.5M reversal of provision, ACL declined to $95M (coverage ~1.16% loans HFI) with NPAs and net charge-offs low. Outlook: management expects additional Fed cuts (guiding 1 cut in Q4 2025 and two in H1 2026), anticipates modest pressure on NII and deposit betas to remain elevated (>60%) through the cycle, and projects full-year loan growth of 0–2% (ex-warehouse and retained mortgages). Key risks: continued mortgage market softness, competitive pressure on loan pricing/structure in Texas, and macro/interest rate uncertainty.
