Hilltop Holdings Reports Strong Q4 2025 Earnings with Increased Shareholder Returns
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 30 2026
0mins
Should l Buy HTH?
Source: seekingalpha
- Increased Shareholder Returns: Hilltop Holdings returned $229 million to shareholders through share repurchases and dividends in Q4 2025, with net income reaching $166 million, a 46% year-over-year increase, demonstrating strong financial performance amid economic uncertainty.
- Net Interest Income Growth: The company reported net interest income of $112.5 million for the quarter, with net interest margin expanding by 30 basis points to 302 basis points, indicating effective core loan growth and cost optimization strategies at PlainsCapital Bank that enhanced profitability.
- Optimistic Loan Growth Outlook: Management guided for an average bank loan growth of 4% to 6% for 2026, expressing confidence in the franchise's resilience despite competitive pressures, showcasing the company's potential for growth in a challenging environment.
- Strong Capital Levels: Hilltop maintained a common equity Tier 1 capital ratio of 19.7%, with tangible book value per share increasing by $0.60 to $31.83 compared to the prior quarter, reflecting the company's ongoing commitment to capital management and shareholder returns.
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Analyst Views on HTH
Wall Street analysts forecast HTH stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for HTH is 35.00 USD with a low forecast of 34.00 USD and a high forecast of 36.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
0 Buy
2 Hold
0 Sell
Hold
Current: 39.850
Low
34.00
Averages
35.00
High
36.00
Current: 39.850
Low
34.00
Averages
35.00
High
36.00
About HTH
Hilltop Holdings Inc. is a diversified financial holding company. The Company operates through three segments: banking, broker-dealer, and mortgage origination. The banking segment includes the operations of PlainsCapital Bank (the Bank). The banking segment primarily provides business and consumer banking services from offices located throughout Texas and generates revenue from its portfolio of earning assets. The broker-dealer segment includes the operations of Securities Holdings, which operates through its wholly owned subsidiaries, Hilltop Securities, Momentum Independent Network and Hilltop Securities Asset Management, LLC. This segment offers investment advisory and securities brokerage services. The mortgage origination segment includes the operations of PrimeLending, which offers a variety of loan products. This segment includes origination and servicing of loans and selling these loans in the secondary market. It operates through approximately 280 locations in 48 states.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Hilltop Holdings Reports Strong Q4 2025 Earnings with Increased Shareholder Returns
- Increased Shareholder Returns: Hilltop Holdings returned $229 million to shareholders through share repurchases and dividends in Q4 2025, with net income reaching $166 million, a 46% year-over-year increase, demonstrating strong financial performance amid economic uncertainty.
- Net Interest Income Growth: The company reported net interest income of $112.5 million for the quarter, with net interest margin expanding by 30 basis points to 302 basis points, indicating effective core loan growth and cost optimization strategies at PlainsCapital Bank that enhanced profitability.
- Optimistic Loan Growth Outlook: Management guided for an average bank loan growth of 4% to 6% for 2026, expressing confidence in the franchise's resilience despite competitive pressures, showcasing the company's potential for growth in a challenging environment.
- Strong Capital Levels: Hilltop maintained a common equity Tier 1 capital ratio of 19.7%, with tangible book value per share increasing by $0.60 to $31.83 compared to the prior quarter, reflecting the company's ongoing commitment to capital management and shareholder returns.
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- Innovative Game Mechanics: PropQwiz is a free mobile game where players guess the listing prices of real homes across the U.S. to win cash prizes, with its signature PQ Daily live game providing five clues and a 15-second guessing window, significantly enhancing interactivity and engagement.
- Community Building Success: Since its launch, PropQwiz has cultivated a growing community of players who engage daily to learn about home values nationwide and compete for cash prizes, thereby increasing user retention and brand loyalty.
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Hilltop Increases Quarterly Dividend by 11.1% to $0.20
- Dividend Increase: Hilltop has raised its quarterly dividend from $0.18 to $0.20 per share, marking an 11.1% increase, which reflects the company's commitment to enhancing shareholder returns based on stable earnings.
- Yield Metrics: Following this adjustment, Hilltop's forward yield stands at 2.17%, providing a relatively attractive income option for investors in the current market environment, potentially drawing in more income-seeking investors.
- Payment Schedule: The new dividend will be payable on February 27, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring shareholders receive timely returns and bolstering investor confidence.
- Historical Performance: Hilltop has consistently paid a dividend of $0.18 over the past four quarters, and this increase reflects the company's ongoing profitability and confidence in future growth, which may enhance market recognition of its long-term investment value.
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Hilltop Holdings Reports Increased Q4 Earnings
- Earnings Growth: Hilltop Holdings reported fourth-quarter earnings of $41.58 million, translating to $0.69 per share, which marks a significant increase from last year's $35.52 million and $0.55 per share, indicating robust performance in the market.
- Revenue Increase: The company's revenue for the fourth quarter reached $329.89 million, up 9.6% from $301.07 million last year, showcasing successful business expansion and strong market demand.
- Financial Health: With both earnings and revenue on the rise, Hilltop Holdings has further solidified its financial position, enhancing its competitiveness in the financial services sector.
- Market Outlook: The ongoing earnings growth and revenue increase lay a solid foundation for future investments and expansions, suggesting the company possesses strong adaptability and growth potential in a changing market environment.
See More
Hilltop Reports Q4 Earnings with $0.69 EPS
- Earnings Highlights: Hilltop Holdings reported a Q4 GAAP EPS of $0.69, with revenue of $329 million, indicating the company's stability in the current economic environment despite not exceeding market expectations.
- Revenue Analysis: The $329 million revenue for Q4 reflects ongoing demand in the financial services sector, yet the limited growth compared to the previous year suggests increasing market competition.
- Investment Rating: Seeking Alpha's Quant Rating on Hilltop positions it as a reliable and conservative investment choice, although the current market conditions may not favor aggressive investment strategies.
- Historical Performance: Historical financial data for Hilltop indicates that despite facing challenges, the company maintains stable profitability, making it a focus for risk-averse investors.
See More
Hilltop Holdings Reports Strong 2025 Financial Results
- Quarterly Income Growth: Hilltop Holdings reported income attributable to common stockholders of $41.6 million in Q4 2025, translating to $0.69 per diluted share, marking a 17.5% increase from $35.5 million and $0.55 per share in Q4 2024, demonstrating resilience amid economic uncertainties.
- Annual Performance Improvement: For the full year 2025, income attributable to common stockholders reached $165.6 million, or $2.64 per diluted share, a 46.3% increase from $113.2 million and $1.74 per share in 2024, reflecting strong overall business performance.
- Increased Shareholder Returns: The Board declared a quarterly cash dividend of $0.20 per share, an 11% increase from the prior quarter, payable on February 27, 2026, indicating the company's ongoing commitment to shareholders and financial health.
- Stock Buyback Program: Hilltop authorized a new stock repurchase program to buy back up to $125 million of its common stock by January 2027, having already repurchased 5.7 million shares in 2025, signaling confidence in the value of its stock.
See More
Hilltop Holdings Reports Strong Q4 2025 Earnings with Increased Shareholder Returns
- Increased Shareholder Returns: Hilltop Holdings returned $229 million to shareholders through share repurchases and dividends in Q4 2025, with net income reaching $166 million, a 46% year-over-year increase, demonstrating strong financial performance amid economic uncertainty.
- Net Interest Income Growth: The company reported net interest income of $112.5 million for the quarter, with net interest margin expanding by 30 basis points to 302 basis points, indicating effective core loan growth and cost optimization strategies at PlainsCapital Bank that enhanced profitability.
- Optimistic Loan Growth Outlook: Management guided for an average bank loan growth of 4% to 6% for 2026, expressing confidence in the franchise's resilience despite competitive pressures, showcasing the company's potential for growth in a challenging environment.
- Strong Capital Levels: Hilltop maintained a common equity Tier 1 capital ratio of 19.7%, with tangible book value per share increasing by $0.60 to $31.83 compared to the prior quarter, reflecting the company's ongoing commitment to capital management and shareholder returns.
See More
PropQwiz Announces First Grand Prize Winner
- Grand Prize Winner Announced: Andrea B. from Las Vegas won $350,000 through her participation in PropQwiz, which not only funds her homeownership dream but also marks the successful launch of PropQwiz's first-ever grand prize giveaway.
- Innovative Game Mechanics: PropQwiz is a free mobile game where players guess the listing prices of real homes across the U.S. to win cash prizes, with its signature PQ Daily live game providing five clues and a 15-second guessing window, significantly enhancing interactivity and engagement.
- Community Building Success: Since its launch, PropQwiz has cultivated a growing community of players who engage daily to learn about home values nationwide and compete for cash prizes, thereby increasing user retention and brand loyalty.
- Ongoing Cash Rewards: PropQwiz also awards $2,500 in weekly rent to players across the country, having distributed over $75,000 so far, which not only boosts player engagement but also enhances brand recognition in the competitive gaming market.
See More
Hilltop Increases Quarterly Dividend by 11.1% to $0.20
- Dividend Increase: Hilltop has raised its quarterly dividend from $0.18 to $0.20 per share, marking an 11.1% increase, which reflects the company's commitment to enhancing shareholder returns based on stable earnings.
- Yield Metrics: Following this adjustment, Hilltop's forward yield stands at 2.17%, providing a relatively attractive income option for investors in the current market environment, potentially drawing in more income-seeking investors.
- Payment Schedule: The new dividend will be payable on February 27, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring shareholders receive timely returns and bolstering investor confidence.
- Historical Performance: Hilltop has consistently paid a dividend of $0.18 over the past four quarters, and this increase reflects the company's ongoing profitability and confidence in future growth, which may enhance market recognition of its long-term investment value.
See More
Hilltop Holdings Reports Increased Q4 Earnings
- Earnings Growth: Hilltop Holdings reported fourth-quarter earnings of $41.58 million, translating to $0.69 per share, which marks a significant increase from last year's $35.52 million and $0.55 per share, indicating robust performance in the market.
- Revenue Increase: The company's revenue for the fourth quarter reached $329.89 million, up 9.6% from $301.07 million last year, showcasing successful business expansion and strong market demand.
- Financial Health: With both earnings and revenue on the rise, Hilltop Holdings has further solidified its financial position, enhancing its competitiveness in the financial services sector.
- Market Outlook: The ongoing earnings growth and revenue increase lay a solid foundation for future investments and expansions, suggesting the company possesses strong adaptability and growth potential in a changing market environment.
See More
Hilltop Reports Q4 Earnings with $0.69 EPS
- Earnings Highlights: Hilltop Holdings reported a Q4 GAAP EPS of $0.69, with revenue of $329 million, indicating the company's stability in the current economic environment despite not exceeding market expectations.
- Revenue Analysis: The $329 million revenue for Q4 reflects ongoing demand in the financial services sector, yet the limited growth compared to the previous year suggests increasing market competition.
- Investment Rating: Seeking Alpha's Quant Rating on Hilltop positions it as a reliable and conservative investment choice, although the current market conditions may not favor aggressive investment strategies.
- Historical Performance: Historical financial data for Hilltop indicates that despite facing challenges, the company maintains stable profitability, making it a focus for risk-averse investors.
See More
Hilltop Holdings Reports Strong 2025 Financial Results
- Quarterly Income Growth: Hilltop Holdings reported income attributable to common stockholders of $41.6 million in Q4 2025, translating to $0.69 per diluted share, marking a 17.5% increase from $35.5 million and $0.55 per share in Q4 2024, demonstrating resilience amid economic uncertainties.
- Annual Performance Improvement: For the full year 2025, income attributable to common stockholders reached $165.6 million, or $2.64 per diluted share, a 46.3% increase from $113.2 million and $1.74 per share in 2024, reflecting strong overall business performance.
- Increased Shareholder Returns: The Board declared a quarterly cash dividend of $0.20 per share, an 11% increase from the prior quarter, payable on February 27, 2026, indicating the company's ongoing commitment to shareholders and financial health.
- Stock Buyback Program: Hilltop authorized a new stock repurchase program to buy back up to $125 million of its common stock by January 2027, having already repurchased 5.7 million shares in 2025, signaling confidence in the value of its stock.
See More
