NYSE : HTH
Hilltop Holdings Inc. — Financial statements
Financials · Financial Conglomerates · United States
Last price 37.12 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 2.11B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 598.45M | 601.09M | 622.29M | 614.20M | 460.62M | 465.98M |
| Interest Income on Investments | 160.52M | 182.97M | 214.10M | 224.18M | 130.50M | 63.99M |
| Total Interest Income | 758.97M | 784.05M | 836.39M | 838.38M | 591.12M | 529.97M |
| Interest Paid on Deposits | 194.08M | 228.28M | 275.29M | 223.18M | 50.41M | 23.62M |
| Interest Paid on Borrowings | 102.04M | 115.07M | 143.30M | 148.35M | 81.73M | 83.37M |
| Total Interest Expense | 296.12M | 343.34M | 418.59M | 371.53M | 132.14M | 106.99M |
| Net Interest Income | 462.85M | 440.71M | 417.80M | 466.85M | 458.98M | 422.98M |
| Income From Trading Activities | 253.00M | 253.27M | 250.58M | 218.94M | ||
| Gain (Loss) on Sale of Investments | -100.00K | |||||
| Other Non-Interest Income | 350.31M | 389.34M | 330.36M | 337.88M | 530.08M | 584.41M |
| Total Non-Interest Income | 792.88M | 841.14M | 770.96M | 728.97M | 832.46M | 1.41B |
| Revenues Before Loan Losses | 1.26B | 1.28B | 1.19B | 1.20B | 1.29B | 1.83B |
| Provision for Loan Losses | 18.78M | 7.31M | 941.00K | 18.39M | 8.31M | -58.21M |
| Revenue | 1.24B | 1.27B | 1.19B | 1.18B | 1.28B | 1.89B |
| Salaries and Employee Benefits | 701.42M | 715.94M | 676.45M | 662.81M | 758.09M | 989.74M |
| Occupancy Expenses | 47.76M | 49.48M | 57.58M | 54.72M | 60.16M | 61.74M |
| Selling, General & Administrative | 106.40M | 99.59M | 100.96M | 110.49M | 113.59M | 122.63M |
| Other Non-Interest Expense | 192.51M | 188.47M | 198.57M | 200.29M | 195.15M | 213.29M |
| Total Non-Interest Expense | 1.05B | 1.05B | 1.03B | 1.03B | 1.13B | 1.39B |
| EBT Excluding Unusual Items | 188.84M | 221.06M | 154.26M | 149.12M | 156.13M | 504.07M |
| Pretax Income | 188.84M | 221.06M | 154.26M | 149.12M | 156.13M | 504.07M |
| Income Tax Expense | 42.62M | 49.04M | 31.05M | 31.14M | 36.83M | 117.98M |
| Earnings From Continuing Operations | 146.22M | 172.02M | 123.21M | 117.98M | 119.29M | 386.10M |
| Minority Interest in Earnings | -5.38M | -6.43M | -10.00M | -8.33M | -6.16M | -11.60M |
| Net Income | 140.84M | 165.59M | 113.21M | 109.65M | 113.13M | 374.50M |
| Net Income to Common | 140.84M | 165.59M | 113.21M | 109.65M | 113.13M | 374.50M |
| Basic Shares Outstanding | 58.61M | 62.70M | 65.04M | 65.04M | 70.43M | 80.71M |
| Diluted Shares Outstanding | 58.68M | 62.71M | 65.05M | 65.05M | 70.63M | 81.17M |
| EPS (Basic) | 2.40 | 2.64 | 1.74 | 1.69 | 1.61 | 4.64 |
| EPS (Diluted) | 2.40 | 2.64 | 1.74 | 1.69 | 1.60 | 4.61 |
| Dividend Per Share | 0.80 | 0.72 | 0.68 | 0.64 | 0.60 | 0.48 |
| Effective Tax Rate | 22.57% | 22.19% | 20.13% | 20.88% | 23.59% | 23.40% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.21B | 169.70M | 208.80M | 205.55M | 206.09M | 91.45M |
| Investment Securities | 422.07M | 370.01M | 376.45M | 446.45M | 512.19M | 345.13M |
| Trading Asset Securities | 685.37M | 662.81M | 592.74M | 593.59M | 844.01M | 696.12M |
| Mortgage-Backed Securities | 1.87B | 1.96B | 1.88B | 2.01B | 2.20B | 2.23B |
| Total Investments | 2.98B | 2.99B | 2.85B | 3.05B | 3.55B | 3.27B |
| Gross Loans | 8.81B | 8.31B | 7.95B | 8.08B | 8.09B | 7.88B |
| Allowance for Loan Losses | -93.86M | -91.54M | -101.12M | -111.41M | -95.44M | -91.35M |
| Net Loans | 8.71B | 8.22B | 7.85B | 7.97B | 8.00B | 7.79B |
| Property, Plant & Equipment | 228.15M | 216.58M | 238.81M | 257.44M | 287.39M | 316.77M |
| Goodwill | 267.45M | 267.45M | 267.45M | 267.45M | 267.45M | 267.45M |
| Other Intangible Assets | 4.89M | 5.61M | 6.63M | 8.46M | 11.32M | 15.28M |
| Loans Held for Sale | 625.60M | 950.14M | 858.66M | 943.85M | 982.62M | 1.88B |
| Other Receivables | 1.53B | 1.53B | 1.33B | 1.45B | 1.04B | 1.53B |
| Restricted Cash | 17.98M | 1.08B | 2.16B | 1.71B | 1.44B | 2.96B |
| Other Current Assets | 231.79M | 63.81M | 125.74M | 123.72M | 3.48M | 144.77M |
| Long-Term Deferred Tax Assets | 48.62M | 63.33M | 46.81M | 58.05M | 30.16M | |
| Other Real Estate Owned & Foreclosed | 8.81M | 8.02M | 2.95M | 5.09M | 2.33M | 2.83M |
| Other Long-Term Assets | 401.27M | 289.32M | 306.40M | 422.62M | 407.50M | 395.69M |
| Total Assets | 16.22B | 15.84B | 16.27B | 16.47B | 16.26B | 18.69B |
| Interest Bearing Deposits | 7.59B | 7.47B | 8.30B | 8.06B | 7.35B | 8.24B |
| Institutional Deposits | 541.70M | 577.50M | ||||
| Non-Interest Bearing Deposits | 2.90B | 2.83B | 2.77B | 3.01B | 3.97B | 4.58B |
| Total Deposits | 11.03B | 10.88B | 11.07B | 11.06B | 11.32B | 12.82B |
| Short-Term Borrowings | 2.36B | 2.19B | 2.14B | 2.30B | 1.90B | 2.36B |
| Current Portion of Long-Term Debt | 199.30M | |||||
| Current Portion of Leases | 7.95M | 29.99M | ||||
| Other Current Liabilities | 105.57M | 37.95M | 57.23M | 34.87M | 53.02M | 96.59M |
| Long-Term Debt | 148.76M | 148.59M | 148.37M | 347.14M | 346.65M | 346.19M |
| Long-Term Leases | 110.15M | 71.29M | 109.10M | 109.00M | 126.76M | 130.96M |
| Other Long-Term Liabilities | 325.48M | 295.46M | 333.45M | 463.42M | 455.54M | 392.89M |
| Total Liabilities | 14.09B | 13.65B | 14.05B | 14.32B | 14.20B | 16.14B |
| Common Stock | 568.00K | 595.00K | 650.00K | 652.00K | 647.00K | 790.00K |
| Additional Paid-In Capital | 932.01M | 973.07M | 1.05B | 1.05B | 1.05B | 1.27B |
| Retained Earnings | 1.27B | 1.27B | 1.25B | 1.19B | 1.12B | 1.26B |
| Comprehensive Income & Other | -102.37M | -79.88M | -111.50M | -121.57M | -133.69M | -9.58M |
| Total Common Equity | 2.10B | 2.17B | 2.19B | 2.12B | 2.04B | 2.52B |
| Minority Interest | 30.14M | 29.20M | 28.35M | 27.36M | 26.61M | 26.54M |
| Shareholders' Equity | 2.13B | 2.20B | 2.22B | 2.15B | 2.06B | 2.55B |
| Total Liabilities & Equity | 16.22B | 15.84B | 16.27B | 16.47B | 16.26B | 18.69B |
| Total Debt | 2.62B | 2.44B | 2.59B | 2.76B | 2.37B | 2.83B |
| Net Cash (Debt) | -612.37M | -1.55B | -1.70B | -1.88B | -1.20B | -1.93B |
| Net Cash Per Share | -10.44 | -24.68 | -26.19 | -28.84 | -17.04 | -23.73 |
| Filing Date Shares Outstanding | 56.79M | 59.45M | 64.86M | 65.15M | 64.70M | 78.97M |
| Total Common Shares Outstanding | 56.79M | 59.54M | 64.97M | 65.15M | 64.68M | 78.97M |
| Book Value Per Share | 36.99 | 36.42 | 33.71 | 32.58 | 31.49 | 31.95 |
| Tangible Book Value | 1.83B | 1.90B | 1.92B | 1.85B | 1.76B | 2.24B |
| Tangible Book Value Per Share | 32.20 | 31.83 | 29.49 | 28.35 | 27.18 | 28.37 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 140.84M | 165.59M | 113.21M | 109.65M | 113.13M | 374.50M |
| Depreciation & Amortization | 8.31M | 15.71M | 19.95M | 19.63M | 32.62M | 24.63M |
| Provision for Credit Losses | 18.78M | 7.31M | 941.00K | 18.39M | 8.31M | -58.21M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 412.38M | -27.68M | 134.33M | 169.70M | 1.17B | 1.71B |
| Change in Trading Asset Securities | -22.13M | 34.49M | 25.29M | 239.04M | -107.03M | 46.26M |
| Change in Other Net Operating Assets | -239.58M | -17.30M | 82.46M | 6.78M | 206.24M | -666.49M |
| Other Operating Activities | 24.13M | 28.39M | 96.93M | 61.04M | 72.74M | 158.29M |
| Operating Cash Flow | 140.20M | -38.70M | 273.93M | 443.02M | 1.19B | 765.62M |
| Capital Expenditures | -30.31M | -16.83M | -7.13M | -8.49M | -9.80M | -24.75M |
| Sale of Property, Plant and Equipment | 15.22M | 74.91M | 7.65M | 4.26M | 4.54M | 24.35M |
| Investment in Securities | 52.53M | -19.50M | 212.76M | 233.32M | -356.51M | -678.08M |
| Income (Loss) Equity Investments | -12.97M | -46.68M | -9.16M | -9.06M | -3.49M | 1.21M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -533.24M | -401.69M | 141.02M | -71.42M | -515.33M | 125.31M |
| Other Investing Activities | -109.00K | -1.73M | -75.00K | 662.00K | -212.00K | -107.00K |
| Investing Cash Flow | -495.91M | -364.85M | 354.22M | 158.34M | -877.30M | -553.27M |
| Short-Term Debt Issued | 108.37M | 163.74M | ||||
| Long-Term Debt Issued | 1.07B | 918.71M | 490.15M | 821.57M | 976.12M | |
| Total Debt Issued | 1.10B | 1.07B | 918.71M | 490.15M | 929.94M | 1.14B |
| Short-Term Debt Repaid | -183.87M | -93.16M | -70.93M | |||
| Long-Term Debt Repaid | -1.25B | -890.89M | -490.15M | -863.28M | -1.04B | |
| Total Debt Repaid | -953.97M | -1.43B | -984.04M | -561.08M | -863.28M | -1.04B |
| Net Debt Issued (Repaid) | 144.37M | -357.03M | -65.33M | -70.93M | 66.66M | 102.20M |
| Repurchase of Common Stock | -175.27M | -184.03M | -19.86M | -5.10M | -442.34M | -123.63M |
| Common Dividends Paid | -47.06M | -45.40M | -44.26M | -41.60M | -42.96M | -38.98M |
| Total Dividends Paid | -47.06M | -45.40M | -44.26M | -41.60M | -42.96M | -38.98M |
| Net Increase (Decrease) in Deposit Accounts | 375.86M | -119.29M | -32.19M | -201.91M | -1.28B | 1.56B |
| Other Financing Activities | -1.49M | -8.49M | -12.66M | -12.97M | -11.95M | -15.17M |
| Financing Cash Flow | 296.41M | -714.24M | -174.31M | -332.51M | -1.71B | 1.48B |
| Net Cash Flow | -59.30M | -1.12B | 453.85M | 268.85M | -1.40B | 1.69B |
| Free Cash Flow | 109.89M | -55.53M | 266.80M | 434.54M | 1.18B | 740.87M |
| Free Cash Flow Margin | 8.88% | -4.36% | 22.46% | 36.91% | 91.94% | 39.17% |
| Free Cash Flow Per Share | 1.87 | -0.89 | 4.10 | 6.68 | 16.70 | 9.13 |
| Cash Interest Paid | 297.68M | 347.09M | 426.78M | 357.40M | 128.41M | 110.11M |
| Cash Income Tax Paid | 45.70M | 61.08M | 44.23M | 19.06M | 15.09M | 136.18M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.15B | 2.08B | 1.86B | 2.29B | 1.94B | 2.77B |
| Last Close Price | 37.83 | 33.40 | 27.54 | 33.14 | 27.67 | 31.76 |
| PE Ratio | 15.74 | 12.57 | 16.43 | 20.93 | 17.13 | 7.41 |
| PS Ratio | 1.74 | 1.63 | 1.57 | 1.95 | 1.51 | 1.47 |
| PB Ratio | 1.02 | 0.95 | 0.84 | 1.07 | 0.94 | 1.09 |
| P/FCF Ratio | 19.55 | 6.97 | 5.28 | 1.64 | 3.75 | |
| P/OCF Ratio | 15.32 | 6.79 | 5.18 | 1.63 | 3.62 | |
| Debt / Equity Ratio | 1.23 | 1.11 | 1.17 | 1.28 | 1.15 | 1.11 |
| Debt / FCF Ratio | 23.87 | 9.72 | 6.34 | 2.01 | 3.82 | |
| Net Debt / Equity Ratio | 0.29 | 0.70 | 0.77 | 0.87 | 0.58 | 0.76 |
| Net Debt / FCF Ratio | 5.57 | -27.87 | 6.38 | 4.32 | 1.02 | 2.60 |
| Return on Equity (ROE) | 6.73% | 7.79% | 5.64% | 5.60% | 5.17% | 15.76% |
| Return on Assets (ROA) | 0.92% | 1.07% | 0.75% | 0.72% | 0.68% | 2.17% |
| Earnings Yield | 6.35% | 7.95% | 6.09% | 4.78% | 5.84% | 13.50% |
| FCF Yield | 5.11% | -2.67% | 14.34% | 18.94% | 60.86% | 26.70% |
| Dividend Yield | 2.33% | 2.06% | 2.38% | 1.82% | 2.00% | 1.37% |
| Payout Ratio | 36.62% | 27.42% | 39.09% | 37.94% | 37.97% | 10.41% |
| Buyback Yield / Dilution | 8.06% | 3.59% | -0.00% | 7.90% | 12.99% | 9.11% |
| Total Shareholder Return | 10.39% | 5.65% | 2.37% | 9.72% | 14.99% | 10.47% |