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Hilltop (HTH) investor relations material
Hilltop Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $36.1M ($0.57 per diluted share), up from $20.3M in Q2 2024, with ROAA at 0.98%–1% and ROAE at 6.6%.
PlainsCapital Bank, PrimeLending, and Hilltop Securities all reported positive pre-tax income, with PlainsCapital Bank leading at $54.9M.
PrimeLending's results were aided by a $9.5M nonrecurring legal settlement.
Board authorized an increase in the share repurchase program to $135M, with $67M remaining capacity as of July 2025.
Returned $46M–$47M to shareholders in Q2 via dividends and share repurchases.
Financial highlights
Net interest income for Q2 2025 was $110.7M, up 7% year-over-year.
Net interest margin increased to 3.01%–3.16% year-over-year.
Noninterest income was $192.6M–$193M, flat year-over-year; noninterest expense rose 1.8%–2% to $261M.
Book value per share at June 30, 2025 was $34.90; tangible book value per share was $30.56.
Reversal of credit losses was $7.3M in Q2 2025, compared to a $10.9M provision in Q2 2024.
Outlook and guidance
Full-year average loan and deposit growth outlook adjusted to 0%–2% for 2025.
Net interest income expected to stabilize or rise 2%–4% for 2025, assuming two rate cuts.
Expenses other than variable compensation expected to remain stable; ongoing focus on efficiency.
Mortgage origination volume expected at $8–$9B for 2025; broker dealer fees to decrease up to 2%.
Management will prioritize balance sheet protection and strategic execution amid economic uncertainty.
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Frequently asked questions
Hilltop Holdings Inc. is a financial holding company engaged in banking, mortgage origination, and financial services. Its primary subsidiaries include PlainsCapital Bank, a full-service commercial bank, and PrimeLending, a residential mortgage originator. The company also offers investment banking and insurance services through affiliated businesses. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
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