Hilltop Holdings Earnings Call Transcripts
Fiscal Year 2026
-
Q1 2026 net income was $38M ($0.64/share), with strong loan growth, improved margins, and robust capital. Mortgage and securities segments showed resilience despite market volatility, while guidance assumes two Fed rate cuts and modest expense growth.
Fiscal Year 2025
-
Q4 2025 net income reached $42 million, with full-year net income up 46% year-over-year. Strong loan growth, margin expansion, and robust performance in public finance and wealth management offset mortgage headwinds. Guidance anticipates stable expenses and 4%-6% loan growth in 2026.
-
Q3 2025 net income reached $46M, with strong bank and broker-dealer performance offsetting mortgage headwinds. Capital levels remain robust, share repurchases increased, and credit quality improved, though the mortgage and auto segments face ongoing challenges.
-
Q2 2025 net income was $36M with strong NIM and capital ratios, but mortgage origination faced margin pressure. Loan growth outlook was revised to 0–2% for the year, and $47M was returned to shareholders. Public finance and wealth management outperformed, while structured finance lagged.
-
Q1 2025 net income was $42M ($0.65/share) with stable NII and strong capital. Key gains included a $23.6M sale and $6.5M insurance recovery. Mortgage and fixed-income segments faced headwinds, while public finance and wealth management grew.
Fiscal Year 2024
-
Pre-tax income and core deposit growth improved year-over-year despite rate volatility, with Q4 net income at $36M and strong capital ratios. 2025 guidance anticipates 2%-5% loan growth, stable credit quality, and continued focus on asset sensitivity and capital returns.
-
Q3 2024 saw net income of $30M, with strong banking and broker-dealer results offsetting mortgage segment losses. NIM and loan growth face pressure from competition and rate environment, but capital remains robust and credit trends are stable.
-
Q2 2024 saw $20M net income and stable capital ratios, with all segments profitable despite high rates. Loan growth is expected to slow, deposit costs are a key NII variable, and credit quality faces pressure from auto and CRE loans.