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Hilltop Holdings Inc.

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Hilltop Holdings Inc. • NYSE
$34.32 ▼ -0.87% (-0.30)
Market Cap $2.19 B
52w High $36.14
52w Low $26.67
Dividend Yield 0.72%
P/E 13.73
Volume 245.15K
Outstanding Shares 63.83M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $418.068M ▲ $271.903M ▲ $45.818M ▲ 10.959% ▲ $0.74 ▲ $64.5M ▲
Q2-2025 $389.815M ▼ $261.176M ▲ $36.073M ▼ 9.254% ▼ $0.57 ▼ $53.9M ▼
Q1-2025 $406.139M ▲ $251.473M ▲ $42.116M ▲ 10.37% ▼ $0.65 ▲ $62.252M ▲
Q4-2024 $337.986M ▼ $196.563M ▼ $35.519M ▲ 10.509% ▲ $0.55 ▲ $49.02M ▲
Q3-2024 $411.485M $264.312M $29.693M 7.216% $0.46 $48.204M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.598B ▲ $15.605B ▲ $13.389B ▲ $2.189B ▼
Q2-2025 $2.268B ▼ $15.362B ▼ $13.135B ▼ $2.199B ▼
Q1-2025 $2.946B ▼ $15.813B ▼ $13.584B ▼ $2.2B ▲
Q4-2024 $3.696B ▲ $16.268B ▲ $14.05B ▲ $2.19B ▲
Q3-2024 $3.367B $15.926B $13.721B $2.177B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $46.674M ▲ $272.954M ▲ $-171.704M ▼ $151.437M ▲ $252.687M ▲ $270.993M ▲
Q2-2025 $37.889M ▼ $-234.598M ▼ $-70.654M ▼ $-456.176M ▲ $-761.428M ▼ $-234.558M ▼
Q1-2025 $44.532M ▲ $5.837M ▼ $-26.862M ▼ $-557.841M ▼ $-578.866M ▼ $5.04M ▼
Q4-2024 $37.884M ▲ $122.813M ▼ $47.385M ▼ $179.487M ▼ $349.685M ▼ $121.897M ▼
Q3-2024 $32.905M $515.578M $277.339M $372.992M $1.166B $513.752M

Five-Year Company Overview

Income Statement

Income Statement Revenue has been rebuilding after a noticeable step down from the unusually strong pandemic-era years. Over the past few years, sales have edged up modestly, but profits have not really grown; earnings have been essentially flat and still sit well below prior peak levels. Margins have compressed from earlier highs but appear more stable recently, suggesting the business has adjusted to a tougher rate and mortgage environment, though not yet returned to earlier profitability.

Balance Sheet

Balance Sheet The balance sheet looks solid and relatively steady. Total assets have held in a narrow range, while equity has gradually increased, which points to retained earnings and a conservative capital posture. Debt levels are modest and fairly flat, and cash has improved compared with a few years ago. Overall, the company appears to be run with a focus on capital strength and resilience rather than aggressive leverage.

Cash Flow

Cash Flow Cash generation has been choppy but generally positive. There was a standout year of very strong operating cash flow, followed by more normal, lower levels, reflecting the cyclical nature of banking and mortgage activity. Free cash flow closely tracks operating cash flow because spending on property and equipment is quite low. This combination indicates a business that can usually fund itself comfortably, but where cash inflows can swing with market and interest-rate conditions.

Competitive Edge

Competitive Edge Hilltop’s edge comes from its diversified mix of businesses—banking, mortgage, and securities—anchored by a strong franchise in Texas. The different segments tend to perform well at different points in the cycle, giving the group some shock absorbers when any one area slows. Its Texas banking presence, national mortgage platform, and leading municipal advisory and clearing business create a broad footprint that smaller, single-focus regional banks often lack. This diversification and regional strength form a meaningful, if not unassailable, competitive moat.

Innovation and R&D

Innovation and R&D The company is not a heavy, blue-sky R&D spender; instead it emphasizes practical, customer-facing technology. Digital mortgage tools, advisor dashboards, liquidity portals, and proprietary software for other financial institutions all aim to make existing services more efficient and sticky rather than to reinvent the model. This approach can quietly deepen client relationships and improve scalability, especially if Hilltop continues to enhance data and analytics around these platforms. Innovation here is evolutionary and targeted, not speculative.

Summary

Hilltop today looks like a conservatively run, diversified regional financial group that has moved past its pandemic-era earnings peak into a more normalized, lower-profit environment. The income statement shows stability but limited growth, while the balance sheet and cash flow profile underline a cautious, well-capitalized stance. Its competitive position is supported by a mix of banking, mortgage, and municipal finance, with a strong Texas base and growing tech-enabled platforms. Key things to watch are how effectively it can reignite profit growth, manage credit and rate risk through the cycle, and leverage its digital and advisory strengths—potentially supplemented by acquisitions—without stretching its balance sheet or diluting its risk discipline.

NEWS

October 23, 2025 · 4:45 PM UTC

Hilltop Holdings Inc. Announces Financial Results for Third Quarter 2025

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October 15, 2025 · 5:15 PM UTC

Hilltop Holdings Inc. Announces Third Quarter 2025 Earnings Conference Call and Webcast

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October 15, 2025 · 4:15 PM UTC

PlainsCapital Bank Announces Retirement of Chief Credit Officer Darrell Adams, Names Brent Raindl as Successor and Promotes Thomas Ricks to Dallas Region Chairman

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October 2, 2025 · 8:00 AM UTC

HilltopSecurities Launches 5th Annual Hilltop Hunt

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September 24, 2025 · 8:00 AM UTC

HilltopSecurities Welcomes Four Public Funds Institutional Sales Professionals to its Fixed Income Capital Markets Division

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