HTH
Hilltop Holdings Inc (HTH) Q2 2026 Earnings Call Highlights: Strong Net Income Amid Mortgage ...
Article Summary
HOLD- Hilltop Holdings Inc. (NYSE: HTH) reported strong net income growth driven by strong performance in Plains Capital Bank, Hilltop Securities, and structured finance, while maintaining strong capital levels with a common equity tier one capital ratio of 18.3%.
- Hilltop Holdings returned $11.6 million to stockholders through dividends and repurchased $47 million in shares, with a 10% increase in the quarterly cash dividend, despite Prime Lending reporting a pre-tax loss of $2 million due to a challenging mortgage market with higher property taxes, insurance costs, and tight inventory levels.
- The mortgage market faced a muted start to the summer buying season, impacting overall industry volumes and gain on sale margins, while non-interest expenses increased by $5.5 million or 2% compared to the prior year driven by variable compensation.
- Classified and special mention loans increased during the second quarter largely due to deterioration of a large single-family credit, and the allowance for credit losses could be volatile due to changes in the credit portfolio, net loan growth, and macroeconomic outlook.
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Growth Stock Scoring Breakdown
| METRIC | VALUE | WEIGHT | ANALYSIS |
|---|---|---|---|
| Sales Growth TTM ? | 1.7% | 25% | 20.0 ptsMinimal (1.7%) - Very weak |
| EPS Growth Next 5Y ? | 0.0% | 25% | 10.0 ptsVery Weak (0.0%) - Minimal expectations |
| Target Price Upside ? | 3.2% | 20% | 20.0 ptsMinimal Upside (3.2%) - Target: $40.33 vs Current: $39.08 |
| Gross Margin % ? | — | 15% | 40.0 ptsNo Gross Margin Data |
| Drawdown from 52-Wk High ? | -3.3% | 15% | 20.0 ptsBarely a Dip (-3.3%) - Near recent highs |
Disclaimer: This rating is for informational purposes only and is not financial advice.
All data sourced from Finviz.
Always conduct your own research and consult with a financial advisor before making investment decisions.
Past performance does not guarantee future results.
About HTH
- Hilltop Holdings Inc. provides business and consumer banking services.
- The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination.
- The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance.
- It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines.
- The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services.
- The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans.
- Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.