Hilltop Holdings Inc. reported a strong financial and operational year in 2025, driven by improved pre-tax results across its business lines and effective capital management. The company successfully executed key initiatives, including returning significant capital to stockholders, while managing challenges in specific segments like PrimeLending.
Income attributable to common stockholders for the full year 2025 was $165.6 million, or $2.64 per diluted share, compared to $113.2 million, or $1.74 per diluted share, for the full year 2024.
positiveQuarterly cash dividend increased by 11% to $0.20 per common share.
positivePlainsCapital Bank produced healthy core loan and deposit growth while delivering a 1.17% return on average assets.
positivePrimeLending reduced pre-tax losses by 48% due to operational efficiency improvements.
positiveHilltopSecurities delivered $501 million in net revenue with a pre-tax margin of 13.5%.
positiveBook value per common share increased to $36.42 at December 31, 2025, compared to $35.69 at September 30, 2025.
positiveNon-accrual loans decreased to $53.4 million, or 0.58% of total loans, at December 31, 2025, compared to $68.3 million, or 0.75% of total loans, at September 30, 2025.
positiveThe provision for credit losses was $7.8 million during the fourth quarter of 2025, compared to a reversal of credit losses of $2.5 million in the third quarter of 2025 and a reversal of credit losses of $5.9 million in the fourth quarter of 2024.
attentionHilltop’s consolidated net interest margin decreased to 3.02% for the fourth quarter of 2025, compared to 3.06% in the third quarter of 2025.
attentionHilltop’s effective tax rate was 19.2% during the fourth quarter of 2025, compared to 14.2% during the same period in 2024.
attentionMortgage loan origination production volume was $2.4 billion during the fourth quarter of 2025, compared to $2.3 billion during the fourth quarter of 2024, a modest increase.
attentionMargin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.
| Segment | Current | Prior Yr | YoY | % Total |
|---|---|---|---|---|
Banking | N/A | — | — | — |
Broker-Dealer | N/A | — | — | — |
Origination | N/A | — | — | — |
Corporate | N/A | — | — | — |
| Total Revenue | $0.00M | — | — | 100.0% |
Segment performance shows business unit health and growth drivers.
2025 was a strong year for Hilltop from a financial, operational and capital management perspective.
Within each line of business, and on a consolidated basis, pre-tax results improved versus the prior year.
Hilltop was able to execute successfully on a number of key initiatives across the company, while returning $231 million to stockholders via dividends and share repurchases.
Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.
Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.