Hilltop Holdings Inc. (NYSE: HTH) announced on October 24, 2025 that it generated net income of $45.8 million, or $0.74 per diluted share, for the third quarter of 2025—up from $29.7 million ($0.46 per diluted share) in the same period a year earlier. The company’s earnings were driven by a $96.8 million net interest income in its PlainsCapital Bank segment, a $144.5 million net revenue in its HilltopSecurities broker‑dealer unit, and a $7 million pre‑tax loss in its PrimeLending mortgage origination business. Net interest income rose 7 % year‑over‑year, while the reversal of credit losses added $9.3 million to the bottom line.
Hilltop’s capital return program accelerated in the third quarter. The board declared a quarterly cash dividend of $0.18 per share, payable November 21, 2025, and the company repurchased $55.1 million of common stock at an average price of $32.36 per share. In October, the board increased the total authorized repurchase amount to $185 million, adding $50 million to the program. Earlier in the year, Hilltop redeemed $200 million of outstanding debt, further strengthening its balance sheet.
The earnings release highlights a significant improvement in credit quality, with a $7.3 million reversal of credit losses in the banking segment and a decline in non‑performing assets. Net interest margin expanded to 3.06 % from 2.84 % in Q3 2024, reflecting higher loan yields and lower deposit costs. The company’s robust capital position—CET1 ratio of 20.8 %—and disciplined expense management support continued profitability and shareholder returns. These results demonstrate Hilltop’s resilience in a volatile market and reinforce its strategy of optimizing its balance sheet and capital deployment.
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