AI Earnings Predictions for Hilltop Holdings Inc. (HTH)

EX-99.1

2 hth-ex99d1.htm

EX-99.1

Exhibit 99.1

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Investor Relations Contact:

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Matt Dunn

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214-525-4636

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mdunn@hilltop.com

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Hilltop Holdings Inc. Announces Financial Results for Third Quarter 2026

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DALLAS — (BUSINESS WIRE) October 22, 2026 — Hilltop Holdings Inc. (NYSE: HTH) (“Hilltop”) today announced financial results for the third quarter of 2026. Hilltop produced income attributable to common stockholders of $24.9 million, or $0.44 per diluted share, for the third quarter of 2026, compared to $45.8 million, or $0.74 per diluted share, for the third quarter of 2025.

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Hilltop also announced that its Board of Directors declared a quarterly cash dividend of $0.22 per common share, payable on November 20, 2026 to all common stockholders of record as of the close of business on November 6, 2026. Additionally, during the third quarter of 2026, Hilltop paid $20.0 million to repurchase an aggregate of 512,075 shares of its common stock at an average price of $38.96 per share pursuant to the 2026 stock repurchase program. These shares were returned to the pool of authorized but unissued shares of common stock. As a result of share repurchases during 2026, Hilltop has approximately $86 million of available share repurchase capacity through the expiration of the 2026 stock repurchase program in January 2027.

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The extent of the impact of uncertain economic conditions on our financial performance during the remainder of 2026 will depend in part on developments outside of our control, including, among others, changes in the political environment, the impact of tariffs and reciprocal tariffs, the timing and significance of further changes in U.S. Treasury yields and mortgage interest rates, and a volatile economic forecast. These conditions, coupled with exposure to changes in funding costs, inflationary pressures, elevated energy prices, and international armed conflicts and their impact on supply chains within our business segments during the third quarter of 2026 have had, and are expected to continue to have, an adverse impact on our operating results during the remainder of 2026.

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Jeremy B. Ford, Chairman, President and CEO of Hilltop, said, “Through a volatile quarter marked by a policy reversal from the Federal Reserve and rapidly rising rates, Hilltop delivered a 0.67% return on average assets and returned approximately $33 million to stockholders through dividends and share repurchases.

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“During the third quarter, PlainsCapital Bank generated a 1.1% return on average assets and $44 million of pre-tax income as healthy net interest margin expansion and earning asset growth were partially offset by a $10 million provision for credit losses. PrimeLending reported a pre-tax loss of $11 million as the dramatic intra-quarter increase in mortgage rates depressed purchase activity across the market and reduced the mark-to-market value of existing loans in the pipeline. We continue to focus on best positioning the business for success in this persistently challenging environment. HilltopSecurities produced a 5.9% pre-tax margin on $117 million of net revenues to deliver $7 million in pre-tax income, primarily driven by strong results within its Public Finance Services and Wealth Management business lines. Alternatively, the more interest rate-sensitive business lines, Structured Finance and Fixed Income Services, were negatively impacted during the quarter primarily due to the speed and size of the change in long-term interest rates.

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“As 2026 draws to a close, we remain committed to providing exceptional service to our clients, executing on our strategic plans and creating long-term value for our stockholders.”

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Third Quarter 2026 Highlights for Hilltop:

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●The provision for credit losses was $10.2 million during the third quarter of 2026, compared to a reversal of credit losses of $1.0 million in the second quarter of 2026 and a reversal of credit losses of $2.5 million in the third quarter of 2025;

oThe provision for credit losses during the third quarter of 2026 was primarily driven by loan portfolio changes within the banking segment, including changes in loan mix and risk rating grade migration, net loan growth, a build in the allowance related to specific reserves, and changes in the U.S. economic outlook associated with collectively evaluated loans since the prior quarter.

●For the third quarter of 2026, net gains from sale of loans and other mortgage production income and mortgage loan origination fees was $67.7 million, compared to $76.6 million in the third quarter of 2025, an 11.6% decrease;

oMortgage loan origination production volume was $2.2 billion during the third quarter of 2026, compared to $2.3 billion during the third quarter of 2025;

oNet gains from mortgage loans sold to third parties, including broker fee income, decreased to 211 basis points during the third quarter of 2026, compared to 229 basis points in the second quarter of 2026.

●Hilltop’s consoli

EX-99.1

2 hth-20260723xex99d1.htm

EX-99.1

Exhibit 99.1

​

​

Investor Relations Contact:

​

Matt Dunn

​

214-525-4636

​

mdunn@hilltop.com

​

Hilltop Holdings Inc. Announces Financial Results for Second Quarter 2026

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DALLAS — (BUSINESS WIRE) July 23, 2026 — Hilltop Holdings Inc. (NYSE: HTH) (“Hilltop”) today announced financial results for the second quarter of 2026. Hilltop produced income attributable to common stockholders of $36.5 million, or $0.63 per diluted share, for the second quarter of 2026, compared to $36.1 million, or $0.57 per diluted share, for the second quarter of 2025.

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Hilltop also announced that its Board of Directors declared a quarterly cash dividend of $0.22 per common share, a 10% increase from the prior quarter, payable on August 21, 2026 to all common stockholders of record as of the close of business on August 7, 2026. Additionally, during the second quarter of 2026, Hilltop paid $47.0 million to repurchase an aggregate of 1,250,000 shares of its common stock at an average price of $37.58 per share pursuant to the 2026 stock repurchase program. These shares were returned to the pool of authorized but unissued shares of common stock.

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Furthermore, in July 2026, the Hilltop Board of Directors authorized an increase to the aggregate amount of common stock that Hilltop may repurchase under the aforementioned stock repurchase program to $200.0 million, an increase of $75.0 million. As a result of share repurchases during 2026, Hilltop has approximately $106 million of available share repurchase capacity through the expiration of the 2026 stock repurchase program in January 2027.

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The extent of the impact of uncertain economic conditions on our financial performance during the remainder of 2026 will depend in part on developments outside of our control, including, among others, changes in the political environment, the impact of tariffs and reciprocal tariffs, the timing and significance of further changes in U.S. Treasury yields and mortgage interest rates, and a volatile economic forecast. These conditions, coupled with exposure to changes in funding costs, inflationary pressures, elevated energy prices, and international armed conflicts and their impact on supply chains within our business segments during the second quarter of 2026 have had, and are expected to continue to have, an adverse impact on our operating results during the remainder of 2026.

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Jeremy B. Ford, Chairman, President and CEO of Hilltop, said, “During the second quarter of 2026, Hilltop delivered a 1% return on average assets and returned approximately $59 million to stockholders through dividends and share repurchases. At PlainsCapital Bank, continued core loan growth and an expansion in net interest margin drove a 1.3% return on average assets and $51 million of pre-tax income. PrimeLending realized a $2 million pre-tax loss on $2.4 billion of origination volume as the mortgage market faced a subdued start to the summer buying season primarily due to the recent increase in mortgage rates. HilltopSecurities produced a 10% pre-tax margin on $124 million of net revenues to deliver $12 million of pre-tax income, which was primarily driven by strong quarters in its Wealth Management and Structured Finance business lines. As we look to the second half of 2026, we expect to continue to execute on our strategic priorities while prudently managing capital and creating long-term value for our stockholders.”

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Second Quarter 2026 Highlights for Hilltop:

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●The reversal of credit losses was $1.0 million during the second quarter of 2026, compared to a provision for credit losses of $1.8 million in the first quarter of 2026 and a reversal of credit losses of $7.3 million in the second quarter of 2025;

oThe reversal of credit losses during the second quarter of 2026 was primarily driven by changes in the U.S. economic outlook associated with collectively evaluated loans and loan portfolio changes, partially offset by a build in the allowance related to specific reserves within the banking segment since the prior quarter.

●For the second quarter of 2026, net gains from sale of loans and other mortgage production income and mortgage loan origination fees was $78.9 million, compared to $80.7 million in the second quarter of 2025, a 2.2% decrease;

oMortgage loan origination production volume was $2.4 billion during the second quarter of 2026, compared to $2.4 billion during the second quarter of 2025;

oNet gains from mortgage loans sold to third parties, including broker fee income, decreased to 229 basis points during the second quarter of 2026, compared to 261 basis points in the first quarter of 2026.

●Hilltop’s consolidated annualized return on average assets and return on average stockholders’ equity for the second quarter of 2026 were 0.99% and 6.89%, respectively, compared to 0.98% and 6.62%, respectively, for the second quarter of 2025;

●Hilltop’s book value per common share increased to $37

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