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Dec 31, 2025
Hilltop Q4 2025 Earnings Report
Hilltop reported strong financial results for the fourth quarter and full year 2025, with increased income attributable to common stockholders and a higher dividend.
Key Takeaways
Hilltop Holdings Inc. announced a robust fourth quarter and full year 2025, with income attributable to common stockholders rising to $41.6 million, or $0.69 per diluted share, for Q4 2025, up from $35.5 million in Q4 2024. The full year 2025 income reached $165.6 million, a significant increase from $113.2 million in 2024. The company also increased its quarterly cash dividend by 11% to $0.20 per common share and authorized a new $125.0 million stock repurchase program.
Income attributable to common stockholders for Q4 2025 increased to $41.6 million, or $0.69 per diluted share, from $35.5 million in Q4 2024.
The quarterly cash dividend was raised by 11% to $0.20 per common share, payable on February 27, 2026.
A new stock repurchase program of up to $125.0 million was authorized through January 2027.
The provision for credit losses was $7.8 million in Q4 2025, compared to a reversal of credit losses of $5.9 million in Q4 2024.
Revenue by Segment
Forward Guidance
Hilltop Holdings Inc. anticipates continued strong financial performance in 2026, focusing on delivering sound results and prudently managing capital, despite uncertain economic conditions.
Positive Outlook
- Continued focus on delivering sound financial results.
- Prudent capital management strategies.
- Healthy core loan and deposit growth expected from PlainsCapital Bank.
- Operational efficiency improvements in PrimeLending to reduce losses.
- Strong performance anticipated from HilltopSecurities' Structured Finance, Wealth Management, and Public Finance business lines.
Challenges Ahead
- Uncertain economic conditions may impact financial performance.
- Potential for further changes in U.S. Treasury yields and mortgage interest rates.
- Changes in funding costs could affect profitability.
- Inflationary pressures may persist.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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