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Hilltop (HTH) Financials

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$38.66 -0.02 (-0.06%)
As of 12:06 PM Eastern
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Annual Income Statements for Hilltop

Annual Income Statements for Hilltop

This table shows Hilltop's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 209 146 133 121 225 448 374 113 110 113 166
Consolidated Net Income / (Loss)		 213 148 133 126 233 470 386 119 118 123 172
Net Income / (Loss) Continuing Operations		 213 148 133 121 219 431 386 119 118 123 172
Total Pre-Tax Income 		283 231 243 155 283 564 504 156 149 154 221
Total Revenue		 1,636 1,684 1,627 1,313 1,502 2,115 1,833 1,291 1,196 1,189 1,282
Net Interest Income / (Expense)		 409 398 422 433 439 424 423 459 467 418 441
Total Interest Income		 470 456 507 575 611 546 530 591 838 836 784
Loans and Leases Interest Income		 390 390 412 437 460 433 404 416 542 545 526
Investment Securities Interest Income		 74 62 83 120 134 106 119 130 191 195 189
Other Interest Income		 5.22 4.34 12 17 16 6.85 6.60 45 105 97 69
Total Interest Expense		 61 58 85 141 172 122 107 132 372 419 343
Deposits Interest Expense		 16 16 25 46 72 47 24 50 223 275 228
Short-Term Borrowings Interest Expense		 4.57 5.80 14 26 27 12 9.07 21 58 44 31
Long-Term Debt Interest Expense		 11 14 14 12 13 19 23 16 15 15 11
Federal Funds Purchased and Securities Sold Interest Expense		 30 23 32 57 60 43 51 39 65 73 68
Other Interest Expense		 0.72 0.74 0.68 0.63 0.55 2.19 0.38 6.13 9.87 12 4.44
Total Non-Interest Income		 1,228 1,287 1,205 880 1,063 1,690 1,410 832 729 771 841
Other Service Charges		 349 408 414 345 454 558 432 403 557 581 643
Net Realized & Unrealized Capital Gains on Investments		 600 607 538 445 505 1,001 826 302 172 190 199
Provision for Credit Losses		 13 41 14 5.09 7.21 96 -58 8.31 18 0.94 7.31
Total Non-Interest Expense		 1,340 1,412 1,369 1,153 1,212 1,454 1,387 1,127 1,028 1,034 1,053
Salaries and Employee Benefits		 766 834 817 757 845 1,060 1,007 774 678 687 731
Net Occupancy & Equipment Expense		 120 109 114 114 113 99 101 97 89 91 82
Other Operating Expenses		 355 380 344 282 254 295 280 256 261 255 241
Income Tax Expense		 71 83 110 34 64 133 118 37 31 31 49
Net Income / (Loss) Attributable to Noncontrolling Interest		 1.61 2.05 0.60 4.29 7.69 22 12 6.16 8.33 10.00 6.43
Basic Earnings per Share		 $2.10 $1.48 $1.36 $1.28 $2.44 $5.02 $4.64 $1.61 $1.69 $1.74 $2.64
Weighted Average Basic Shares Outstanding		 99.07M 98.40M 97.14M 94.97M 92.35M 89.28M 80.71M 70.43M 65.04M 65.04M 62.70M
Diluted Earnings per Share		 $2.09 $1.48 $1.36 $1.28 $2.44 $5.01 $4.61 $1.60 $1.69 $1.74 $2.64
Weighted Average Diluted Shares Outstanding		 99.96M 98.63M 97.35M 95.07M 92.39M 89.30M 81.17M 70.63M 65.05M 65.05M 62.71M
Weighted Average Basic & Diluted Shares Outstanding		 99.60M 98.60M 97.50M 94.90M 90.80M 82.19M 78.97M 64.70M 65.15M 64.86M 59.45M
Cash Dividends to Common per Share		 - $0.06 $0.24 $0.28 $0.32 $0.36 $0.48 $0.60 $0.64 $0.68 $0.72

Quarterly Income Statements for Hilltop

This table shows Hilltop's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 29 28 20 30 36 42 36 46 42 38 37
Consolidated Net Income / (Loss)		 31 30 23 33 38 45 38 47 43 39 38
Net Income / (Loss) Continuing Operations		 31 30 23 33 38 45 38 47 43 39 38
Total Pre-Tax Income 		38 38 30 42 44 58 49 61 53 50 50
Total Revenue		 290 285 297 305 301 318 303 330 330 301 316
Net Interest Income / (Expense)		 111 104 104 105 105 105 111 112 113 112 116
Total Interest Income		 217 210 207 211 209 193 197 200 194 184 189
Loans and Leases Interest Income		 138 134 139 140 132 125 132 136 134 130 135
Investment Securities Interest Income		 50 49 48 48 50 43 49 50 46 44 47
Other Interest Income		 29 26 21 23 27 25 16 14 14 10 7.46
Total Interest Expense		 106 106 103 106 103 88 87 88 81 72 73
Deposits Interest Expense		 68 69 68 71 67 60 57 57 54 48 45
Short-Term Borrowings Interest Expense		 13 12 11 11 11 8.10 7.69 7.87 7.64 7.59 10
Long-Term Debt Interest Expense		 -3.41 6.22 6.05 5.98 -0.97 3.65 3.11 3.58 -0.98 2.36 2.36
Federal Funds Purchased and Securities Sold Interest Expense		 17 19 19 18 14 15 18 19 16 13 14
Other Interest Expense		 - - - - - 1.14 0.99 - - 1.08 1.33
Total Non-Interest Income		 179 182 193 200 196 213 193 218 217 188 200
Other Service Charges		 107 111 102 110 115 168 141 113 301 137 151
Net Realized & Unrealized Capital Gains on Investments		 36 40 58 48 44 45 52 52 50 51 49
Provision for Credit Losses		 1.27 -2.87 11 -1.27 -5.85 9.34 -7.34 -2.51 7.82 1.77 -0.97
Total Non-Interest Expense		 251 250 256 264 263 251 261 272 269 248 267
Salaries and Employee Benefits		 160 166 170 178 173 176 176 190 188 169 180
Net Occupancy & Equipment Expense		 22 22 21 22 26 20 21 20 21 20 19
Other Operating Expenses		 69 62 65 64 64 55 64 62 60 60 67
Income Tax Expense		 7.13 8.57 6.66 9.54 6.29 13 12 14 10 11 12
Net Income / (Loss) Attributable to Noncontrolling Interest		 2.29 1.85 2.57 3.21 2.37 2.42 1.82 0.86 1.34 1.18 1.43
Basic Earnings per Share		 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65 $0.57 $0.74 $0.68 $0.64 $0.63
Weighted Average Basic Shares Outstanding		 65.04M 65.20M 65.09M 64.93M 65.04M 64.61M 63.64M 62.15M 62.70M 59.12M 57.86M
Diluted Earnings per Share		 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65 $0.57 $0.74 $0.68 $0.64 $0.63
Weighted Average Diluted Shares Outstanding		 65.05M 65.21M 65.09M 64.95M 65.05M 64.62M 63.64M 62.17M 62.71M 59.21M 57.95M
Weighted Average Basic & Diluted Shares Outstanding		 65.15M 65.27M 64.95M 64.96M 64.86M 64.16M 63.00M 61.33M 59.45M 58.53M 57.29M

Annual Cash Flow Statements for Hilltop

This table details how cash moves in and out of Hilltop's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -144 44 -198 105 -136 711 1,692 -1,397 269 454 -1,118
Net Cash From Operating Activities		 36 -161 -321 390 -433 280 766 1,189 443 274 -39
Net Cash From Continuing Operating Activities		 36 -161 -321 396 -433 313 766 1,189 443 274 -39
Net Income / (Loss) Continuing Operations		 213 148 133 126 233 470 386 119 118 123 172
Consolidated Net Income / (Loss)		 213 148 133 126 233 470 386 119 118 123 172
Provision For Loan Losses		 13 41 14 5.09 7.21 96 -58 8.31 18 0.94 7.31
Depreciation Expense		 -83 -50 -14 -5.27 -1.48 22 25 33 20 20 16
Non-Cash Adjustments to Reconcile Net Income		 -308 -245 177 327 -700 -818 1,042 930 41 22 -184
Changes in Operating Assets and Liabilities, net		 202 -54 -631 -57 29 543 -629 99 246 108 -50
Net Cash From Investing Activities		 442 -494 -358 -290 -604 -828 -553 -877 158 354 -365
Net Cash From Continuing Investing Activities		 442 -494 -358 -299 -623 -919 -553 -877 158 354 -365
Purchase of Investment Securities		 -473 -1,130 -780 -524 -1,009 -1,455 -1,243 -1,307 -164 -14 -816
Sale and/or Maturity of Investments		 874 636 422 288 385 536 690 430 323 368 451
Net Cash From Financing Activities		 -622 698 481 4.63 902 1,258 1,480 -1,710 -333 -174 -714
Net Cash From Continuing Financing Activities		 -622 698 481 4.63 902 1,258 1,480 -1,710 -333 -174 -714
Net Change in Deposits		 -601 153 857 196 600 2,125 1,555 -1,279 -202 -32 -119
Issuance of Debt		 171 767 403 664 1,414 722 976 930 419 826 1,074
Repayment of Debt		 -43 -218 -723 -787 -1,001 -1,326 -874 -863 -490 -891 -1,431
Repurchase of Common Equity		 -30 - -27 -59 -73 -209 -124 -442 -5.10 -20 -184
Payment of Dividends		 -3.54 -5.80 -23 -27 -30 -33 -39 -43 -42 -44 -45
Other Financing Activities, Net		 -0.58 1.62 -5.82 17 -8.85 -23 -15 -12 -13 -13 -8.49
Cash Interest Paid		 60 58 84 143 169 125 110 128 357 427 347
Cash Income Taxes Paid		 112 89 86 8.38 57 124 136 15 19 44 61

Quarterly Cash Flow Statements for Hilltop

This table details how cash moves in and out of Hilltop's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 352 -135 -926 1,166 350 -579 -761 253 -30 -360 -124
Net Cash From Operating Activities		 263 71 -435 516 123 5.84 -235 273 -83 -127 -157
Net Cash From Continuing Operating Activities		 263 71 -435 516 123 5.84 -235 273 -83 -127 -157
Net Income / (Loss) Continuing Operations		 31 30 23 33 38 45 38 47 43 39 38
Consolidated Net Income / (Loss)		 31 30 23 33 38 45 38 47 43 39 38
Provision For Loan Losses		 1.27 -2.87 11 -1.27 -5.85 9.34 -7.34 -2.51 7.82 1.77 -0.97
Depreciation Expense		 4.36 5.03 4.31 5.76 4.85 4.61 4.43 3.70 2.98 1.79 1.96
Non-Cash Adjustments to Reconcile Net Income		 392 -22 -512 549 24 -32 -110 191 -126 142 -301
Changes in Operating Assets and Liabilities, net		 -165 62 39 -71 62 -21 -160 34 -11 -312 105
Net Cash From Investing Activities		 116 16 14 277 47 -27 -71 -172 -96 -127 -161
Net Cash From Continuing Investing Activities		 116 16 14 277 47 -27 -71 -172 -96 -127 -161
Purchase of Investment Securities		 57 -58 -93 174 -37 -144 -210 -271 -190 -233 -256
Sale and/or Maturity of Investments		 59 74 107 103 85 117 140 100 94 106 95
Net Cash From Financing Activities		 -28 -222 -505 373 179 -558 -456 151 148 -106 195
Net Cash From Continuing Financing Activities		 -28 -222 -505 373 179 -558 -456 151 148 -106 195
Net Change in Deposits		 -30 -189 -486 369 274 -230 -386 273 225 -362 2.27
Issuance of Debt		 87 -6.81 4.42 18 904 118 322 384 250 567 477
Repayment of Debt		 -71 0.00 - - -984 -397 -342 -437 -255 -253 -224
Repurchase of Common Equity		 -0.60 -9.94 -9.92 - - -33 -35 -55 -61 -48 -47
Payment of Dividends		 -10 -11 -11 -11 -11 -12 -12 -11 -11 -12 -12
Other Financing Activities, Net		 -2.44 -4.63 -2.24 -2.83 -2.96 -3.81 -2.89 -1.64 -0.15 1.51 -1.26
Cash Interest Paid		 105 109 107 103 108 88 90 86 83 71 75
Cash Income Taxes Paid		 4.98 0.37 10 0.94 33 -0.62 30 14 18 0.07 21

Annual Balance Sheets for Hilltop

This table presents Hilltop's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 11,867 12,738 13,366 13,684 15,172 16,944 18,689 16,259 16,467 16,268 15,845
Cash and Due from Banks		 652 669 487 644 434 1,063 2,823 1,580 1,859 2,299 1,232
Restricted Cash		 159 181 187 134 157 290 222 68 57 71 20
Federal Funds Sold		 17 21 0.41 0.40 0.39 0.39 0.39 0.65 0.65 0.65 0.65
Trading Account Securities		 2,859 3,100 3,754 3,447 4,153 5,337 5,043 4,390 3,860 3,607 3,843
Loans and Leases, Net of Allowance		 5,162 5,789 6,392 6,871 7,320 7,544 0.00 7,997 7,968 7,849 8,220
Loans and Leases		 5,208 5,843 6,456 6,930 7,381 7,693 - 8,093 8,080 7,951 8,312
Allowance for Loan and Lease Losses		 45 54 64 59 61 149 - 95 111 101 92
Premises and Equipment, Net		 201 190 178 237 210 212 204 185 169 148 133
Goodwill		 252 252 252 291 267 267 267 267 267 267 267
Intangible Assets		 55 45 36 38 27 20 15 11 8.46 6.63 5.61
Other Assets		 2,510 2,490 2,080 2,021 2,603 2,210 10,114 1,760 2,277 2,019 2,123
Total Liabilities & Shareholders' Equity		 11,867 12,738 13,366 13,684 15,172 16,944 18,689 16,259 16,467 16,268 15,845
Total Liabilities		 10,129 10,864 11,451 11,710 13,044 14,594 16,140 14,196 14,317 14,050 13,647
Non-Interest Bearing Deposits		 2,235 2,199 2,412 2,561 2,770 3,612 4,577 3,969 3,007 2,769 2,832
Interest Bearing Deposits		 4,717 4,864 5,566 5,975 6,263 7,630 8,241 7,347 8,056 8,297 8,046
Short-Term Debt		 2,286 2,764 2,494 2,361 3,030 2,064 2,337 1,937 2,331 2,166 2,195
Long-Term Debt		 306 385 276 296 323 449 388 347 347 348 149
Other Long-Term Liabilities		 585 650 703 517 659 838 597 597 576 471 425
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,738 1,875 1,915 1,974 2,129 2,351 2,549 2,064 2,150 2,218 2,198
Total Preferred & Common Equity		 1,737 1,871 1,912 1,949 2,103 2,324 2,523 2,037 2,123 2,190 2,168
Total Common Equity		 1,737 1,871 1,912 1,949 2,103 2,324 2,523 2,037 2,123 2,190 2,168
Common Stock		 1,578 1,574 1,527 1,491 1,446 1,319 1,275 1,046 1,055 1,053 974
Retained Earnings		 155 296 385 467 645 987 1,257 1,124 1,189 1,249 1,275
Accumulated Other Comprehensive Income / (Loss)		 2.63 0.49 -0.39 -8.63 11 18 -10 -134 -122 -111 -80
Noncontrolling Interest		 1.17 4.01 2.73 24 26 27 27 27 27 28 29

Quarterly Balance Sheets for Hilltop

This table presents Hilltop's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 17,029 17,138 16,397 16,210 15,620 15,926 15,813 15,362 15,605 15,702 16,001
Cash and Due from Banks		 1,764 1,585 1,514 1,710 798 1,962 1,703 982 1,277 874 751
Restricted Cash		 36 51 47 71 51 56 88 47 5.05 18 18
Federal Funds Sold		 0.74 0.65 3.65 0.65 5.65 3.65 0.65 0.65 0.65 0.65 0.65
Trading Account Securities		 4,381 4,548 4,043 3,863 4,309 3,717 3,732 3,934 3,702 3,868 3,987
Loans and Leases, Net of Allowance		 0.00 8,245 8,093 7,958 8,058 7,869 7,861 7,963 8,132 8,345 8,588
Loans and Leases		 - 8,354 8,204 8,063 8,174 7,980 7,967 8,061 8,227 8,434 8,673
Allowance for Loan and Lease Losses		 - 109 111 104 115 111 106 98 95 89 85
Premises and Equipment, Net		 180 177 172 166 162 158 144 139 137 136 131
Goodwill		 267 267 267 267 267 267 267 267 267 267 267
Intangible Assets		 11 9.77 9.08 7.94 7.43 7.00 6.38 6.12 5.86 5.37 5.13
Other Assets		 10,389 2,255 2,247 2,166 1,962 1,887 2,010 2,021 2,078 2,188 2,253
Total Liabilities & Shareholders' Equity		 17,029 17,138 16,397 16,210 15,620 15,926 15,813 15,362 15,605 15,702 16,001
Total Liabilities		 14,945 15,048 14,290 14,050 13,458 13,721 13,584 13,135 13,389 13,528 13,845
Non-Interest Bearing Deposits		 3,808 3,451 3,200 3,029 2,845 2,832 2,860 2,791 2,766 2,830 2,744
Interest Bearing Deposits		 7,289 7,713 7,903 7,856 7,528 7,960 7,972 7,601 7,909 7,702 7,770
Short-Term Debt		 2,956 2,935 2,251 2,329 2,183 2,025 2,152 2,196 2,126 2,473 2,767
Long-Term Debt		 376 365 347 347 347 348 198 148 149 149 149
Other Long-Term Liabilities		 516 584 589 490 554 557 402 399 439 375 414
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,084 2,090 2,107 2,159 2,163 2,206 2,229 2,227 2,216 2,174 2,156
Total Preferred & Common Equity		 2,057 2,064 2,080 2,132 2,134 2,177 2,200 2,199 2,189 2,144 2,126
Total Common Equity		 2,057 2,064 2,080 2,132 2,134 2,177 2,200 2,199 2,189 2,144 2,126
Common Stock		 1,045 1,050 1,053 1,050 1,048 1,051 1,038 1,023 999 954 937
Retained Earnings		 1,137 1,145 1,171 1,201 1,205 1,224 1,263 1,270 1,277 1,273 1,270
Accumulated Other Comprehensive Income / (Loss)		 -125 -132 -145 -120 -119 -98 -101 -95 -87 -82 -81
Noncontrolling Interest		 27 27 27 28 28 29 29 28 28 30 30

Annual Metrics And Ratios for Hilltop

This table displays calculated financial ratios and metrics derived from Hilltop's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.10 $1.48 $1.36 $1.28 $2.44 $5.02 $4.64 $1.61 $1.69 $1.74 $2.64
Adjusted Weighted Average Basic Shares Outstanding		 99.07M 98.40M 97.14M 94.97M 92.35M 89.28M 80.71M 70.43M 65.04M 65.04M 62.70M
Adjusted Diluted Earnings per Share		 $2.09 $1.48 $1.36 $1.28 $2.44 $5.01 $4.61 $1.60 $1.69 $1.74 $2.64
Adjusted Weighted Average Diluted Shares Outstanding		 99.96M 98.63M 97.35M 95.07M 92.39M 89.30M 81.17M 70.63M 65.05M 65.05M 62.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.44 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 98.09M 98.57M 95.99M 93.61M 90.80M 82.19M 78.97M 64.70M 65.15M 64.86M 59.45M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Hilltop

This table displays calculated financial ratios and metrics derived from Hilltop's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 59,449,557.00 58,530,197.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 59,449,557.00 58,530,197.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.66 0.65
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.03% 0.37% -3.87% -2.24% 3.75% 11.65% 2.14% 8.09% - -5.64% 4.12%
EBITDA Growth		 -12.71% 15.77% 7.53% -16.25% 15.46% 44.39% 59.15% 33.81% - -16.09% -3.52%
EBIT Growth		 5.17% 21.30% 9.05% -19.19% 15.95% 51.35% 67.38% 43.25% - -12.49% 1.16%
NOPAT Growth		 16.49% 6.32% 14.85% -16.30% 22.36% 50.84% 65.46% 41.84% - -12.38% 0.17%
Net Income Growth		 16.49% 6.32% 14.85% -16.30% 22.36% 50.84% 65.46% 41.84% - -12.38% 0.17%
EPS Growth		 18.92% 5.00% 10.71% -19.30% 25.00% 54.76% 83.87% 60.87% - -1.54% 10.53%
Operating Cash Flow Growth		 667.51% 165.32% -102.31% 2.39% -53.32% -91.76% 46.11% -47.06% - -2,280.45% 32.88%
Free Cash Flow Firm Growth		 -147.24% 326.31% 161.78% 262.81% 129.79% -50.58% -77.89% -15.92% - -158.84% -390.69%
Invested Capital Growth		 11.08% -10.72% -12.94% -2.69% -2.00% -5.31% -2.59% -1.91% - 4.73% 10.96%
Revenue Q/Q Growth		 -7.13% -1.71% 4.11% 2.87% -1.44% 5.77% -4.76% 8.86% - -8.90% 5.09%
EBITDA Q/Q Growth		 -26.23% 1.55% -21.44% 42.33% 1.69% 26.99% -13.42% 19.67% - -6.92% -0.45%
EBIT Q/Q Growth		 -27.47% -0.02% -22.40% 43.60% 4.06% 30.51% -14.18% 22.90% - -5.08% -0.79%
NOPAT Q/Q Growth		 -21.24% -4.65% -22.43% 43.70% 15.13% 17.55% -14.92% 23.19% - -9.10% -2.73%
Net Income Q/Q Growth		 -21.24% -4.65% -22.43% 43.70% 15.13% 17.55% -14.92% 23.19% - -9.10% -2.73%
EPS Q/Q Growth		 -22.81% -4.55% -26.19% 48.39% 19.57% 18.18% -12.31% 29.82% - -5.88% -1.56%
Operating Cash Flow Q/Q Growth		 -47.75% -73.07% -714.43% 218.44% -76.18% -95.25% -4,119.15% 216.35% - -53.55% -23.72%
Free Cash Flow Firm Q/Q Growth		 -360.09% 235.41% 18.03% -77.86% -15.81% 124.63% -47.19% -15.81% - -176.05% -160.92%
Invested Capital Q/Q Growth		 2.62% 0.16% -2.95% -2.44% 3.35% -3.24% -0.16% -1.76% - 5.58% 5.78%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 14.63% 15.11% 11.41% 15.78% 16.28% 19.55% 17.77% 19.53% - 17.38% 16.47%
EBIT Margin		 13.13% 13.35% 9.95% 13.89% 14.67% 18.10% 16.31% 18.41% - 16.79% 15.85%
Profit (Net Income) Margin		 10.67% 10.35% 7.71% 10.77% 12.58% 13.98% 12.49% 14.14% - 12.98% 12.02%
Tax Burden Percent		 81.28% 77.51% 77.47% 77.53% 85.77% 77.25% 76.59% 76.76% - 77.35% 75.84%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 18.72% 22.49% 22.53% 22.47% 14.23% 22.75% 23.41% 23.24% - 22.65% 24.16%
Return on Invested Capital (ROIC)		 2.78% 2.42% 1.81% 2.73% 3.13% 3.63% 3.31% 3.91% - 3.50% 3.18%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.78% 2.42% 1.81% 2.73% 3.13% 3.63% 3.31% 3.91% - 3.50% 3.18%
Return on Net Nonoperating Assets (RNNOA)		 3.27% 3.42% 2.48% 3.15% 3.72% 4.16% 3.68% 4.10% - 3.95% 3.82%
Return on Equity (ROE)		 6.06% 5.84% 4.30% 5.88% 6.85% 7.79% 6.99% 8.01% - 7.46% 7.00%
Cash Return on Invested Capital (CROIC)		 -7.93% 13.66% 16.26% 5.23% 4.59% 8.40% 5.93% 5.61% - -1.06% -6.93%
Operating Return on Assets (OROA)		 0.96% 0.96% 0.72% 1.01% 1.07% 1.38% 1.29% 1.46% - 1.35% 1.29%
Return on Assets (ROA)		 0.78% 0.75% 0.56% 0.79% 0.91% 1.07% 0.99% 1.12% - 1.04% 0.98%
Return on Common Equity (ROCE)		 5.98% 5.76% 4.24% 5.81% 6.76% 7.69% 6.90% 7.91% - 7.36% 6.91%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 5.62% 5.75% 5.34% 0.00% 6.28% 6.97% 7.63% - 7.77% 7.83%
Net Operating Profit after Tax (NOPAT)		 31 30 23 33 38 45 38 47 - 39 38
NOPAT Margin		 10.67% 10.35% 7.71% 10.77% 12.58% 13.98% 12.49% 14.14% - 12.98% 12.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue		 62.68% 65.82% 64.42% 65.57% 66.11% 61.55% 65.11% 63.59% - 62.82% 63.12%
Operating Expenses to Revenue		 86.44% 87.65% 86.36% 86.52% 87.27% 78.97% 86.11% 82.35% - 82.63% 84.46%
Earnings before Interest and Taxes (EBIT)		 38 38 30 42 44 58 49 61 - 50 50
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 42 43 34 48 49 62 54 65 - 52 52
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 0.95 0.95 0.96 0.84 0.90 0.89 0.96 - 0.99 1.07
Price to Tangible Book Value (P/TBV)		 1.21 1.09 1.09 1.10 0.97 1.03 1.01 1.10 - 1.14 1.22
Price to Revenue (P/Rev)		 1.87 1.69 1.71 1.77 1.56 1.62 1.59 1.68 - 1.68 1.78
Price to Earnings (P/E)		 20.36 18.10 17.86 19.64 16.33 15.47 13.58 13.20 - 13.20 14.03
Dividend Yield		 1.87% 2.10% 2.12% 2.08% 2.39% 2.27% 2.31% 2.12% - 2.07% 1.96%
Earnings Yield		 4.91% 5.52% 5.60% 5.09% 6.12% 6.46% 7.36% 7.58% - 7.58% 7.13%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.61 0.80 0.54 0.43 0.56 0.72 0.70 - 0.81 0.88
Enterprise Value to Revenue (EV/Rev)		 2.53 2.46 3.15 2.10 1.70 2.10 2.68 2.49 - 3.08 3.48
Enterprise Value to EBITDA (EV/EBITDA)		 17.90 16.84 21.10 14.73 11.60 13.25 15.42 13.61 - 17.15 19.78
Enterprise Value to EBIT (EV/EBIT)		 20.26 18.88 23.59 16.66 13.10 14.74 16.98 14.73 - 18.18 20.74
Enterprise Value to NOPAT (EV/NOPAT)		 25.61 24.57 30.43 21.23 16.40 18.54 21.47 18.72 - 23.35 26.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.82 4.73 9.28 5.96 7.38 12.27 8.03 18.71 - 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.20 4.55 10.17 9.20 6.48 11.98 12.29 - 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.25 1.24 1.17 1.08 1.13 1.05 1.05 1.03 - 1.21 1.35
Long-Term Debt to Equity		 0.16 0.16 0.16 0.16 0.16 0.09 0.07 0.07 - 0.07 0.07
Financial Leverage		 1.18 1.42 1.37 1.15 1.19 1.15 1.11 1.05 - 1.13 1.20
Leverage Ratio		 7.77 7.83 7.70 7.49 7.49 7.30 7.06 7.13 - 7.16 7.16
Compound Leverage Factor		 7.77 7.83 7.70 7.49 7.49 7.30 7.06 7.13 - 7.16 7.16
Debt to Total Capital		 55.46% 55.34% 53.92% 51.82% 53.12% 51.32% 51.29% 50.65% - 54.67% 57.49%
Short-Term Debt to Total Capital		 48.27% 48.16% 46.51% 44.23% 45.77% 47.00% 48.04% 47.34% - 51.57% 54.56%
Long-Term Debt to Total Capital		 7.19% 7.18% 7.40% 7.59% 7.35% 4.33% 3.25% 3.31% - 3.10% 2.93%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.57% 0.57% 0.60% 0.63% 0.60% 0.64% 0.62% 0.62% - 0.62% 0.59%
Common Equity to Total Capital		 43.97% 44.09% 45.48% 47.55% 46.28% 48.04% 48.09% 48.73% - 44.71% 41.92%
Debt to EBITDA		 15.87 15.33 14.30 14.15 14.43 12.15 10.99 9.90 - 11.56 12.97
Net Debt to EBITDA		 4.51 5.12 9.47 2.10 0.82 2.89 6.16 4.32 - 7.62 9.55
Long-Term Debt to EBITDA		 2.06 1.99 1.96 2.07 2.00 1.02 0.70 0.65 - 0.66 0.66
Debt to NOPAT		 22.70 22.35 20.62 20.40 20.40 17.00 15.30 13.62 - 15.74 17.51
Net Debt to NOPAT		 6.45 7.47 13.65 3.02 1.16 4.04 8.58 5.94 - 10.38 12.89
Long-Term Debt to NOPAT		 2.94 2.90 2.83 2.99 2.82 1.43 0.97 0.89 - 0.89 0.89
Noncontrolling Interest Sharing Ratio		 1.28% 1.29% 1.29% 1.30% 1.28% 1.29% 1.28% 1.28% - 1.34% 1.33%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -451 610 720 159 134 302 159 134 - -177 -463
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -4.27 5.76 6.96 1.50 1.30 3.44 1.84 1.53 - -2.46 -6.32
Operating Cash Flow to Interest Expense		 2.49 0.67 -4.21 4.86 1.19 0.07 -2.71 3.11 - -1.76 -2.15
Operating Cash Flow Less CapEx to Interest Expense		 2.49 0.67 -4.21 4.86 1.19 0.07 -2.71 3.11 - -1.76 -2.15
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 - 0.08 0.08
Fixed Asset Turnover		 6.76 6.92 7.00 7.14 7.50 7.90 8.16 8.51 - 9.04 9.45
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,828 4,836 4,693 4,578 4,732 4,579 4,572 4,491 - 4,795 5,072
Invested Capital Turnover		 0.26 0.23 0.24 0.25 0.25 0.26 0.27 0.28 - 0.27 0.26
Increase / (Decrease) in Invested Capital		 482 -581 -697 -127 -96 -257 -121 -87 - 216 501
Enterprise Value (EV)		 3,021 2,941 3,734 2,469 2,021 2,562 3,290 3,125 - 3,888 4,447
Market Capitalization		 2,233 2,019 2,030 2,089 1,849 1,975 1,947 2,106 - 2,129 2,270
Book Value per Share		 $32.58 $32.70 $32.70 $33.52 $33.71 $33.91 $34.27 $34.74 - $36.06 $36.33
Tangible Book Value per Share		 $28.34 $28.47 $28.49 $29.29 $29.49 $29.69 $30.01 $30.40 - $31.48 $31.67
Total Capital		 4,828 4,836 4,693 4,578 4,732 4,579 4,572 4,491 - 4,795 5,072
Total Debt		 2,678 2,676 2,530 2,373 2,514 2,350 2,345 2,275 - 2,621 2,916
Total Long-Term Debt		 347 347 347 348 348 198 148 149 - 149 149
Net Debt		 761 895 1,675 352 143 558 1,314 992 - 1,729 2,147
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,678 2,676 2,530 2,373 2,514 2,350 2,345 2,275 - 2,621 2,916
Total Depreciation and Amortization (D&A)		 4.36 5.03 4.31 5.76 4.85 4.61 4.43 3.70 - 1.79 1.96
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65 $0.57 $0.74 $0.68 $0.64 $0.63
Adjusted Weighted Average Basic Shares Outstanding		 65.04M 65.20M 65.09M 64.93M 65.04M 64.61M 63.64M 62.15M 62.70M 59.12M 57.86M
Adjusted Diluted Earnings per Share		 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65 $0.57 $0.74 $0.68 $0.64 $0.63
Adjusted Weighted Average Diluted Shares Outstanding		 65.05M 65.21M 65.09M 64.95M 65.05M 64.62M 63.64M 62.17M 62.71M 59.21M 57.95M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 65.15M 65.27M 64.95M 64.96M 64.86M 64.16M 63.00M 61.33M 59.45M 58.53M 57.29M
Normalized Net Operating Profit after Tax (NOPAT)		 31 30 23 33 38 45 38 47 - 39 38
Normalized NOPAT Margin		 10.67% 10.35% 7.71% 10.77% 12.58% 13.98% 12.49% 14.14% - 12.98% 12.02%
Pre Tax Income Margin		 13.13% 13.35% 9.95% 13.89% 14.67% 18.10% 16.31% 18.41% - 16.79% 15.85%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.36 0.36 0.29 0.40 0.43 0.66 0.57 0.69 - 0.70 0.68
NOPAT to Interest Expense		 0.29 0.28 0.22 0.31 0.37 0.51 0.44 0.53 - 0.54 0.52
EBIT Less CapEx to Interest Expense		 0.36 0.36 0.29 0.40 0.43 0.66 0.57 0.69 - 0.70 0.68
NOPAT Less CapEx to Interest Expense		 0.29 0.28 0.22 0.31 0.37 0.51 0.44 0.53 - 0.54 0.52
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.26% 35.35% 35.06% 37.53% 35.92% 32.43% 29.54% 27.19% - 27.37% 27.42%
Augmented Payout Ratio		 39.59% 44.15% 51.73% 55.12% 52.04% 63.69% 74.05% 101.00% - 146.46% 153.70%

Financials Breakdown Chart

Key Financial Trends

Hilltop Holdings (NYSE: HTH) showed continued loan growth and improving quarterly revenue in Q2 2026, although liquidity and cash-flow trends remain important risks for investors. Total revenue increased to $315.8 million from $303.3 million in Q2 2025, while net income attributable to common shareholders rose slightly to $36.5 million from $36.1 million. Diluted EPS improved to $0.63, compared with $0.57 a year earlier, but remained below the $0.74 reported in Q3 2025.

Net interest income continued to recover, reaching $115.9 million in Q2 2026 versus $110.7 million in Q2 2025. Loan and lease balances grew to $8.67 billion before allowances, up approximately 7.6% year over year. However, Hilltop’s cash balance declined to $750.5 million from $982.5 million a year earlier, and operating cash flow remained negative for the second consecutive quarter.

  • Loan growth accelerated: Gross loans and leases increased to $8.67 billion in Q2 2026 from $8.06 billion in Q2 2025, expanding the company’s interest-earning asset base.
  • Revenue and net interest income improved: Total revenue rose approximately 4.1% year over year, while net interest income increased about 4.7% to $115.9 million.
  • Earnings per share recovered from 2025 levels: Diluted EPS of $0.63 was above the $0.57 reported in Q2 2025 and substantially higher than the $0.28 reported in Q2 2023.
  • Credit-loss pressure was limited: Hilltop recorded a $1.0 million provision benefit in Q2 2026, and its allowance for loan losses declined to $84.9 million from $98.0 million a year earlier.
  • Non-interest income remained a major contributor: Non-interest income reached $200.0 million in Q2 2026, supported by $151.4 million of service charges and $48.6 million of investment gains.
  • Share repurchases continued: Hilltop repurchased approximately $47.0 million of common stock in Q2 2026, which can support per-share results when completed at attractive valuations.
  • Deposits were broadly stable: Total deposits increased modestly to approximately $10.51 billion from $10.29 billion at Q2 2025, but the growth was slower than the expansion in loans.
  • Capital remained positive but was lower year over year: Total common equity was $2.13 billion at Q2 2026, while accumulated other comprehensive losses improved to $81.0 million from $94.7 million.
  • Operating cash flow remained negative: Hilltop used $157.5 million in operating cash during Q2 2026, following a $127.3 million outflow in Q1 and a $234.6 million outflow in Q2 2025.
  • Liquidity fell and reliance on borrowings increased: Cash and due from banks declined approximately 23.6% year over year to $750.5 million, while short-term debt rose to $2.77 billion from $2.20 billion.

Overall, Hilltop’s earnings profile has improved considerably from the weak results seen in 2023 and early 2024, with quarterly EPS generally holding above $0.60 since Q1 2025. The latest results also show healthy loan expansion and a modest improvement in net interest income. Still, investors should monitor whether the company can convert earnings into operating cash, maintain deposit growth, and reduce its dependence on short-term funding.

09/14/26 09:40 AM ETAI Generated. May Contain Errors.

Hilltop Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Hilltop's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Hilltop's net income were at $172.02 million at the end of 2025, a 39.6% increase from 2024, and a 19.1% decrease since 2015. View Hilltop's forecast to see where analysts expect Hilltop to go next.

Over the last 10 years, Hilltop's total revenue changed from $1.64 billion in 2015 to $1.28 billion in 2025, a change of -21.7%.

Hilltop's total liabilities were at $13.65 billion at the end of 2025, a 2.9% decrease from 2024, and a 34.7% increase since 2015.

In the past 10 years, Hilltop's cash and equivalents has ranged from $433.63 million in 2019 to $2.82 billion in 2021, and is currently $1.23 billion as of their latest financial filing in 2025.


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Financial statements for NYSE:HTH last updated on 7/24/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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