)
Visual24 Oct 2025
The rise of Alphabet
Hilltop (HTH) investor relations material
Hilltop Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net income for Q3 2025 ranged from $45.8 million to $46.7 million ($0.74 per diluted share), with ROAA at 1.20% and ROAE at 8.35%, reflecting strong banking and broker-dealer performance and continued mortgage headwinds.
Pre-tax income: PlainsCapital Bank $54.7–$55 million, Hilltop Securities $26.5 million (18%+ pre-tax margin), PrimeLending $7–$7.2 million pre-tax loss.
Leadership changes at PlainsCapital Bank, including new Chief Credit Officer and Dallas region chairman.
Board declared a $0.18 per share quarterly dividend and repurchased $55.1 million in stock during Q3 2025.
Pre-provision net revenue increased 38% year-over-year.
Financial highlights
Net interest income rose 7% year-over-year to $112.4 million; noninterest income increased 8.7%–9% to $217.8 million; noninterest expenses rose 2.9%–3% to $271.9 million.
Tangible book value per share increased to $31.23; book value per share reached $35.69 at September 30, 2025.
Net charge-offs for the quarter were $0.3 million, or one basis point of the loan portfolio.
End-of-period loans HFI grew 3% year-over-year to $8.1 billion; deposits were $10.7 billion.
Total assets grew to $15.6 billion at September 30, 2025.
Outlook and guidance
Net interest income expected to remain stable with modest downward pressure in Q1 2026; full-year average total loans projected to increase 0%-2% from 2024, excluding mortgage warehouse lending and retained mortgages.
Net interest income projected to rise 2–4% in 2025, assuming one Fed Funds rate cut; broker-dealer pre-tax margins expected to revert to low teens after a strong Q3.
Mortgage origination volume forecasted at $8–$9 billion for the year; loan production in the mortgage segment expected to decrease in Q4 2025.
Noninterest expenses (excluding variable comp) expected to remain stable; provision expense to average 0–10 bps.
Management is focused on executing strategic plans for 2026 to drive long-term stockholder value.
PrimeLending's revenue growth strategy?
Capital deployment priorities for 2026?
Risk from past due government-guaranteed loans?
Signal for increased share buybacks?
NII outlook with expected rate cuts?
Broker-dealer margin sustainability?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Hilltop earnings date
Q4 202523 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage