HTH

Hilltop Holdings delivered a quarter that exceeded Wall Street’s expectations, with management pointing to strong loan pipeline execution and further expansion in net interest margin at PlainsCapital Bank as key drivers. CEO Jeremy Blue Ford highlighted the bank’s “robust loan pipeline and pull through rate,” while noting that Hilltop Securities posted improved results thanks to structured finance and wealth management momentum. Despite continued headwinds in the mortgage segment, management credited stable deposit balances and a modest decline in costs for supporting overall performance. Is now the time to buy HTH? Find out in our full research report (it’s free). Revenue: $316.7 million vs analyst estimates of $306.2 million (7.5% year-on-year growth, 3.4% beat) Adjusted EPS: $0.63 vs analyst estimates of $0.49 (28.6% beat) Market Capitalization: $2.26 billion While we enjoy listening to the management’s commentary, our favorite part of earnings calls is the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Matt Olney (Stephens): asked about the sustainability of loan growth and yield trends. CFO William Furr explained the pipeline remains solid, with new loan yields in the 6.5% to 7.0% range, but acknowledged competitive pressures on pricing. Matt Olney (Stephens): inquired about the rising loan-to-deposit ratio and future deposit growth. Furr stated the ratio is expected to normalize around 85% over time, with a renewed focus on growing core deposits. Evan Yi (Raymond James): questioned the outlook for the broker-dealer segment given changing interest rate expectations. Furr said public finance and wealth management are expected to remain strong, but cautioned that market volatility and macro factors could still affect results. Evan Yi (Raymond James): sought clarity on the cadence and priority of share repurchases. Management confirmed that organic growth remains the top priority, with capital return actions balanced alongside potential M&A opportunities. No other analysts asked questions on the call. Looking ahead, our analyst team will watch (1) whether PlainsCapital Bank can sustain loan growth in a competitive deposit environment, (2) the pace of margin stabilization amid ongoing rate and economic uncertainty, and (3) signs of recovery in the mortgage segment as rates and housing inventory evolve. Updates on the broker-dealer’s structured finance and wealth management businesses will also be key indicators of execution. Hilltop Holdings currently trades at $39.52, up from $37.94 just before the earnings. At this price, is it a buy or sell? See for yourself in our full research report (it’s free for active Edge members). ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI is taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies. Our AI system flagged Palantir before it ran 1,662% between October 2022 and February 2026. AppLovin before it ran 753% between February 2024 and February 2026. Nvidia before it ran 1,178% between January 2023 and February 2026. Each week it produces 6 new names that pass the same tests. Get Our Top 6 Stocks for Free HERE. Stocks that have made our list include now familiar names such as Nvidia (+1,460% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+271% between June 2020 and June 2025). Find your next big winner with StockStory today.

This article first appeared on GuruFocus. Release Date: July 24, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Hilltop Holdings Inc (NYSE:HTH) reported a net income of $36.5 million or $0.63 per diluted share for the second quarter. Plains Capital Bank achieved a robust loan pipeline and an expansion of the net interest margin to 3.42%, resulting in a 1.3% return on average assets. Hilltop Securities delivered a $6 million year-over-year increase in pre-tax income, driven by strong performance in wealth management and structured finance. The company maintained strong capital levels with a common equity tier one capital ratio of 18.3%. Hilltop Holdings Inc (NYSE:HTH) returned $11.6 million to stockholders through dividends and repurchased $47 million in shares, with a 10% increase in the quarterly cash dividend. Prime Lending reported 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. 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 the deterioration of a large single-family credit. The allowance for credit losses could be volatile due to changes in the credit portfolio, net loan growth, and macroeconomic outlook. Warning! GuruFocus has detected 5 Warning Sign with HTH. Is HTH fairly valued? Test your thesis with our free DCF calculator. Q: Can you provide more details on the loan growth and expectations for the second half of the year? A: We have seen solid growth in the first half of the year, with stable pipelines supporting further growth. Loan yields are in the 6.5% to 7% range, depending on the asset class. We expect modest repricing impacts as rates have moved up over the last couple of years. (Will, CFO) Q: What are your expectations for deposit growth and the loan-to-deposit ratio? A: The loan-to-deposit ratio has moved higher as cash levels have normalized. We aim for an 80% to 90% ratio, focusing on growing core deposits and loans. (Will, CFO) Q: Could you elaborate on the broker-dealer outlook given the rate changes? A: The broker-dealer is impacted by sweep fees, debt issuance appetite, and yield curve changes. We expect the curve to remain upward sloping, supporting public finance and fixed income. We are constructive on these businesses despite market volatility. (Will, CFO) Q: How should we think about the cadence of share repurchases and capital deployment priorities? A: We increased our repurchase authorization by $75 million, reflecting confidence in our financial position. Our priority is organic growth, followed by capital returns, while maintaining resources for potential M&A. (Jeremy Ford, CEO) Q: What is the outlook for Hilltop Securities, particularly in public finance and wealth management? A: We expect strong national issuance volumes in municipal markets and continued momentum in wealth management, particularly in retail. We feel positive about the results from 2025 and the momentum into 2026. (Will, CFO) For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Interested in Hilltop Holdings Inc.? Here are five stocks we like better. Hilltop beat on earnings in Q2 2026, posting net income of $36.5 million, or $0.63 per share, as strength in banking and broker-dealer operations offset ongoing weakness in mortgage lending. PlainsCapital Bank drove results with loan growth and margin expansion, while HilltopSecurities delivered solid revenue gains; PrimeLending remained under pressure from high mortgage rates and posted a $2 million pretax loss. Capital returns increased as Hilltop raised its quarterly dividend 10% to $0.22 per share and added $75 million to its buyback authorization, while maintaining a strong CET1 capital ratio of 18.3%. Hilltop (NYSE:HTH) reported second-quarter 2026 net income attributable to common stockholders of $36.5 million, or $0.63 per diluted share, as growth at its banking and broker-dealer operations offset continued pressure in mortgage banking. Return on average assets was 1.0% and return on average equity was 6.9% for the quarter. President and CEO Jeremy Ford said PlainsCapital Bank generated $51 million in pretax income, while HilltopSecurities produced $12 million. PrimeLending posted a $2 million pretax loss amid a difficult mortgage market. → Could Truth API Become Trump Media’s First Meaningful Revenue Driver? PlainsCapital Bank’s net interest margin expanded to 3.42% during the second quarter, according to Ford, while the bank delivered a 1.3% return on average assets. The bank’s efficiency ratio was 55%, unchanged from the first quarter of 2026 and the second quarter of 2025. CFO Will Furr said consolidated net interest income totaled $116 million, including $800,000 of purchase accounting accretion. Net interest income rose 5% from a year earlier, supported by lower interest-bearing deposit costs and a shift in the balance sheet from cash into loans held for investment. → GE Vernova Just Sent a Mixed AI Signal to Investors On a consolidated basis, net interest margin increased 8 basis points from the first quarter to 3.21%. Furr said Hilltop’s current economic outlook assumes one rate increase in December 2026. Under that scenario, the company expects net interest margin to remain around current levels but potentially decline modestly in the second half, while net interest income remains relatively stable in coming quarters. Period-end loans held for investment rose by $239 million from the first quarter. The increase included $114 million in commercial real estate lending, $54 million in commercial and industrial lending, $45 million in broker-dealer-related loans and $28 million of seasonal mortgage warehouse lending growth. → D-Wave Quantum or a Quantum ETF: Which Is the Better Bet? Hilltop increased its full-year forecast for average loan growth to a range of 5% to 7%, excluding mortgage warehouse lending and mortgages retained from PrimeLending. During the question-and-answer session, Furr said new loan production yields were in a range of roughly 6.5% to 7%, depending on asset class and individual transaction, despite intense competition in the company’s markets. Average total deposits were approximately $10.4 billion, down $263 million from the prior-year quarter. Ending deposits were stable from the first quarter at $10.5 billion, including a $300 million movement of HilltopSecurities sweep deposits into the bank. Excluding that movement, Furr attributed deposit declines to seasonal tax payments, public-fund distributions and flows from large commercial and industrial customers. The company expects customer deposits to begin growing again in the second half. Interest-bearing deposit costs declined to 2.37%, and Furr said PlainsCapital achieved a 75% interest-bearing deposit beta during the down-rate cycle. However, he said rising competition could lead to higher offered rates and more exception pricing. Hilltop recorded a $1 million net reversal of provision for credit losses in the quarter. Its allowance for credit losses declined by $4 million to $85 million. The company recorded approximately $3.2 million of net charge-offs, equivalent to 16 basis points of average loans. It also increased specific reserves by $1.9 million, primarily related to deterioration in one loan. Classified and special mention loans increased in the period, largely because of a large single-family credit that deteriorated, Furr said. Still, management said overall credit quality remained sound, while nonperforming asset levels have declined consistently over the past 12 months. The bank’s allowance for credit losses coverage ended the quarter at 103 basis points, including mortgage warehouse lending. HilltopSecurities reported net revenue of $124 million and a 10% pretax margin. Net revenue increased 13% from the second quarter of 2025, while pretax income rose by $6 million year over year. Structured Finance net revenue increased 73% from a year earlier, driven by robust buy-side demand for call-protected collateral. Fixed Income services reported a 10% increase in net revenue as municipal and taxable sales and trading revenue improved. Wealth Management also grew, helped by advisory and transaction fees in the retail business. Public Finance generated $30 million in net revenue, a modest decline from the prior-year quarter. Ford said industry issuance volumes were strong in the first half and are expected to remain elevated during the second half. Furr said Hilltop’s broker-dealer revenue outlook calls for a range of negative 3% to positive 1%. He cited the potential effects of rate movements on sweep fees, public-finance debt issuance and the shape of the yield curve on Fixed Income services. Management said it remained constructive on Public Finance, Fixed Income, Wealth Management and Structured Finance, while acknowledging that capital-markets revenues can fluctuate with market conditions, liquidity and production volumes. PrimeLending’s results continued to reflect elevated mortgage rates, home affordability concerns, property taxes, insurance costs and limited housing inventory. Mortgage revenue declined $1.8 million from a year earlier, principally because of lower valuation marks on the rate-lock pipeline. Second-quarter originations were consistent with prior-year levels, while gain-on-sale margins on loans sold to third parties declined 6 basis points to 217 basis points. Ford said PrimeLending had reduced fixed costs by about $10 million on an annualized basis compared with the second quarter of 2025. The company expects the mortgage market to remain highly competitive until long-term rates decline and industry volumes improve. Hilltop ended the quarter with a Common Equity Tier 1 capital ratio of 18.3% and tangible book value per share of $32.36. The company returned $11.6 million to shareholders through dividends and repurchased $47 million in shares during the quarter. The board increased the quarterly cash dividend by 10% to $0.22 per share and added $75 million to the company’s share repurchase authorization. Ford said Hilltop had $200 million of total repurchase authorization for 2026 and would prioritize organic growth first, followed by capital returns, while retaining resources for potential mergers and acquisitions. Hilltop Holdings, Inc (NYSE: HTH) is a Dallas, Texas–based financial holding company offering commercial banking, mortgage lending and capital markets services through its three primary subsidiaries: PlainsCapital Corporation, PrimeLending and HilltopSecurities. PlainsCapital provides deposit, lending and treasury management solutions to small and mid-sized businesses, professionals and individuals. PrimeLending specializes in home purchase and refinance loans, serving retail, wholesale and correspondent channels. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Hilltop Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

Hilltop Holdings Inc.’s HTH second-quarter 2026 earnings of 63 cents per share surpassed the Zacks Consensus Estimate of 42 cents. The bottom line increased 10.5% from the prior-year quarter.Results primarily benefited from higher net interest income (NII), growth in non-interest income and a reversal of credit losses. Sequential growth in loans was another positive. However, an increase in non-interest expenses and pressure on certain profitability metrics were headwinds.Net income attributable to common stockholders was $36.5 million, up 1.2% year over year. Our estimate for the metric was $21.7 million. Net revenues in the second quarter were $315.8 million, up 4.1% year over year. The top line surpassed the Zacks Consensus Estimate of $300.8 million.NII increased 4.7% year over year to $115.9 million. The net interest margin (NIM) (taxable-equivalent basis) was 3.23%, expanding 19 basis points (bps). Our estimates for NII and NIM were $114.4 million and 3.13%, respectively.Non-interest income was $200 million, up 3.8%. The increase was driven by growth in principal transactions, commissions and fees, and investment banking, advisory and administrative fees. This was partly offset by lower mortgage-related revenues and other non-interest income. We had projected the metric to be $188.5 million.Non-interest expenses rose 2.1% from the prior-year quarter to $266.7 million. The increase was mainly due to higher employees' compensation and benefits costs, professional services expenses and other expenses, partly offset by lower occupancy and equipment costs. We projected total non-interest expenses of $267.7 million.As of June 30, 2026, net loans held for investment were $8.6 billion, up 2.9% sequentially. Total deposits were $10.5 billion, largely stable. Our estimates for net loans held for investment and total deposits were $8.51 billion and $10.77 billion, respectively. In the second quarter, Hilltop Holdings recorded a reversal of credit losses of $1 million compared with a reversal of $7.3 million in the prior-year quarter. Our estimate for the metric was $4.9 million.As of June 30, 2026, non-performing assets, as a percentage of total assets, were 0.39%, which decreased 14 bps from the year-ago quarter. Non-accrual loans were $54.8 million, or 0.57% of total loans, down from $72.7 million, or 0.80%, as of June 30, 2025. Return on average assets at the end of the reported quarter was 0.99%, up from the prior-year quarter’s 0.98%. The return on average stockholders’ equity was 6.89%, which increased from 6.62%.The common equity tier 1 capital ratio was 18.34% as of June 30, 2026, down from 20.74% in the corresponding period of 2025. The total capital ratio was 20.63%, declining from the year-ago period’s 23.38%. In the reported quarter, the company repurchased 1.25 million shares for $47 million.In July 2026, Hilltop Holdings increased its share repurchase authorization by $75 million to $200 million. Following repurchases completed in 2026, the company had approximately $106 million of available repurchase capacity through January 2027.Concurrently, Hilltop Holdings announced a quarterly cash dividend of 22 cents per share, representing a hike of 10% from the prior payout. The dividend will be paid out on Aug. 21 to shareholders on record as of Aug. 7. Decent loan growth, a strong balance sheet and HTH's business restructuring efforts will likely aid the top line. This, along with favorable rate environment, will drive the company’s financials. However, weak mortgage banking business and uncertain operating backdrop are headwinds. Hilltop Holdings Inc. price-consensus-eps-surprise-chart | Hilltop Holdings Inc. Quote Hilltop Holdings currently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. East West Bancorp, Inc.’s EWBC second-quarter 2026 earnings per share of $2.63 beat the Zacks Consensus Estimate of $2.61. The bottom line increased 17.4% from the prior-year quarter’s level.The results were primarily aided by an increase in NII and non-interest income alongside lower provisions. Also, loan and deposit balances increased sequentially in the quarter to record levels. However, higher non-interest expenses acted as a spoilsport.Hancock Whitney Corp.’s HWC second-quarter 2026 earnings per share of $1.55 matched the Zacks Consensus Estimate. The bottom line rose 17.4% from the prior-year quarter.Results were supported by higher NII and non-interest income, along with a decline in provisions. Also, a sequential increase in loans and deposit balances was a positive. However, higher expenses were the undermining factor. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Hilltop Holdings Inc. (HTH) : Free Stock Analysis Report East West Bancorp, Inc. (EWBC) : Free Stock Analysis Report Hancock Whitney Corporation (HWC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. PlainsCapital Bank performance was driven by robust loan pipelines and net interest margin expansion to 3.42%, supported by a shift in balance sheet composition from cash into higher-yielding loans. Management attributed the $2 million loss at PrimeLending to a 'muted' summer buying season exacerbated by high interest rates, elevated property taxes, and record-low first-time homebuyer participation. Hilltop Securities saw a 13% revenue increase fueled by strong buy-side demand for call-protected collateral in structured finance and productivity gains in wealth management. The bank achieved a 75% interest-bearing deposit beta during the current cycle, though management warns that increasing market competition may pressure future offered rates. Credit quality remains sound with a decline in nonperforming assets, though a $1.9 million reserve increase was required for a single deteriorating loan in the portfolio. Operational efficiency at PrimeLending improved via a $10 million annualized reduction in fixed costs to mitigate the impact of lower industry-wide origination volumes. Management increased the full-year average loan growth guidance to a range of 5.0% to 7.0%, supported by stable commercial lending pipelines. The financial outlook assumes a single interest rate increase in December 2026, which is expected to keep net interest income relatively stable while potentially causing NIM to moderate. Customer deposits are expected to return to growth in the second half of the year following typical seasonal declines related to tax payments and public fund distributions. Public finance issuance is projected to remain elevated through the end of the year, providing a steady tailwind for the broker-dealer segment. Capital allocation will prioritize organic loan growth first, followed by capital returns and opportunistic M&A, supported by a high 18.3% CET1 ratio. The board authorized a $75 million increase to the stock repurchase program and a 10% increase in the quarterly cash dividend, signaling confidence in the firm's capital position. A $1 million provision release was recorded during the quarter, primarily reflecting improved macroeconomic conditions and a reduction in nonperforming assets. Management flagged that the Allowance for Credit Losses (ACL) may remain volatile due to shifts in portfolio mix and ongoing workouts in the auto note portfolio. Intense competition from both in-state and out-of-state peers in core Texas markets is identified as a primary headwind for deposit pricing and loan yields. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management reported that new loan production yields are currently landing in the 6.5% to 7.0% range depending on the asset class. While the 'back book' repricing benefit is now considered modest, the bank is focused on maintaining closing activity despite intense market competition. Management views a loan-to-deposit ratio of 80% to 90%, specifically around 85%, as a normalized operating level for the organization. The recent uptick in the ratio reflects a deliberate shift away from the excess cash positions maintained during the COVID era toward a more traditional balance sheet mix. The negative 3.0% to 1.0% fee guidance accounts for potential pressure on sweep fees and the sensitivity of fixed income services to the yield curve shape. Management remains constructive on wealth management and public finance, noting that the latter is coming off a record year of issuance. The hierarchy for capital remains organic growth first, followed by shareholder returns (dividends and buybacks). Management explicitly noted they possess 'ample resources' to pursue M&A should attractive opportunities arise, while continuing to lower the CET1 ratio toward more efficient levels.

DALLAS, July 23, 2026--(BUSINESS WIRE)--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. 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. 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. 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. 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." Second Quarter 2026 Highlights for Hilltop: 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; 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; 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 $37.12 at June 30, 2026, compared to $36.63 at March 31, 2026; Hilltop’s total assets were $16.0 billion and $15.7 billion at June 30, 2026 and March 31, 2026, respectively; Loans1, net of allowance for credit losses, were $8.2 billion and $8.0 billion at June 30, 2026 and March 31, 2026, respectively; Non-accrual loans were $54.8 million, or 0.57% of total loans, at June 30, 2026, compared to $61.0 million, or 0.66% of total loans, at March 31, 2026; Loans held for sale increased by 24.3% from March 31, 2026 to $1.0 billion at June 30, 2026; Total deposits2 were $10.5 billion at each of June 30, 2026 and March 31, 2026; Hilltop maintained strong capital levels with a Tier 1 Leverage Ratio3 of 12.73% and a Common Equity Tier 1 Capital Ratio of 18.34% at June 30, 2026; Hilltop’s consolidated net interest margin4 increased to 3.21% for the second quarter of 2026, compared to 3.13% in the first quarter of 2026; For the second quarter of 2026, noninterest income was $200.0 million, compared to $192.6 million in the second quarter of 2025, a 3.8% increase; For the second quarter of 2026, noninterest expense was $266.7 million, compared to $261.2 million in the second quarter of 2025, a 2.1% increase; and Hilltop’s effective tax rate was 24.2% during the second quarter of 2026, compared to 23.4% during the same period in 2025. Consolidated Financial and Other Information Conference Call Information Hilltop will host a live webcast and conference call at 8:00 AM Central (9:00 AM Eastern) on Friday, July 24, 2026. Hilltop Chairman, President and CEO Jeremy B. Ford and Hilltop CFO William B. Furr will review second quarter 2026 financial results. Interested parties can access the conference call by dialing 833-461-5787 (Toll Free North America) or (+1) 585-542-9983 (International Toll) and then using the conference ID 366946783. The conference call also will be webcast simultaneously on Hilltop’s Investor Relations website (http://ir.hilltop.com). About Hilltop Hilltop Holdings is a Dallas-based financial holding company. Its primary line of business is to provide business and consumer banking services from offices located throughout Texas through PlainsCapital Bank. PlainsCapital Bank’s wholly owned subsidiary, PrimeLending, provides residential mortgage lending throughout the United States. Hilltop Holdings’ broker-dealer subsidiaries, Hilltop Securities Inc. and Momentum Independent Network Inc., provide a full complement of securities brokerage, institutional and investment banking services in addition to clearing services and retail financial advisory. At June 30, 2026, Hilltop employed approximately 3,600 people and operated 304 locations in 47 states. Hilltop Holdings’ common stock is listed on the New York Stock Exchange and NYSE Texas under the symbol "HTH." Find more information at Hilltop.com, PlainsCapital.com, PrimeLending.com and Hilltopsecurities.com. FORWARD-LOOKING STATEMENTS This press release includes "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements anticipated or implied in such statements. Forward-looking statements speak only as of the date they are made and, except as required by law, we do not assume any duty to update forward-looking statements. Such forward-looking statements include, but are not limited to, statements concerning such things as our outlook, plans, objectives, strategies, expectations, intentions and other statements that are not statements of historical fact, and may be identified by words such as "aim," "anticipates," "believes," "building," "continue," "could," "drive," "estimates," "expects," "extent," "focus," "forecasts," "goal," "guidance," "intends," "may," "might," "outlook," "plan," "position," "probable," "progressing," "projects," "prudent," "seeks," "should," "steady," "target," "view," "will," "working" or "would" or the negative of these words and phrases or similar words or phrases. The following factors, among others, could cause actual results to differ materially from those set forth in the forward-looking statements: (i) the credit risks of lending activities, including our ability to estimate credit losses and the allowance for credit losses, as well as the effects of changes in the level of, and trends in, loan delinquencies and write-offs; (ii) effectiveness of our data security controls in the face of cyber-attacks and any legal, reputational and financial risks following a cybersecurity incident; (iii) changes in general economic, market and business conditions in areas or markets where we compete, including changes in the price of crude oil; (iv) changes in the interest rate environment including potential impact of a prolonged elevated interest rate environment; (v) risks associated with concentration in real estate related loans; (vi) the effects of our indebtedness on our ability to manage our business successfully, including the restrictions imposed by the indenture governing our indebtedness; (vii) disruptions to the economy and financial services industry, risks associated with uninsured deposits and responsive measures by federal or state governments or banking regulators, including increases in the cost of our deposit insurance assessments; (viii) cost and availability of capital; (ix) changes in state and federal laws, regulations or policies affecting one or more of our business segments, including changes in policies under the new Presidential administration, changes in regulatory fees, deposit insurance premiums, capital requirements and the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act"); (x) changes in key management; (xi) competition in our banking, broker-dealer, and mortgage origination segments from other banks and financial institutions as well as investment banking and financial advisory firms, mortgage bankers, asset-based non-bank lenders and government agencies; (xii) legal and regulatory proceedings; (xiii) risks associated with merger and acquisition integration; and (xiv) our ability to use excess capital in an effective manner. For further discussion of such factors, see the risk factors described in our most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q and other reports that are filed with the Securities and Exchange Commission. All forward-looking statements are qualified in their entirety by this cautionary statement. View source version on businesswire.com: https://www.businesswire.com/news/home/20260723582660/en/ Contacts Investor Relations Contact:Matt [email protected]

Hilltop Holdings (HTH) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.42 per share. This compares to earnings of $0.57 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +50.00%. A quarter ago, it was expected that this insurance holding compnay would post earnings of $0.5 per share when it actually produced earnings of $0.64, delivering a surprise of +28%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Hilltop Holdings, which belongs to the Zacks Banks - Southeast industry, posted revenues of $315.81 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 5.01%. This compares to year-ago revenues of $303.31 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Hilltop Holdings shares have added about 12.4% since the beginning of the year versus the S&P 500's gain of 9.6%. While Hilltop Holdings has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Hilltop Holdings was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.66 on $324.71 million in revenues for the coming quarter and $2.33 on $1.25 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the broader Zacks Finance sector, Hippo Holdings Inc. (HIPO), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 30. This company is expected to post quarterly earnings of $0.20 per share in its upcoming report, which represents a year-over-year change of -69.2%. The consensus EPS estimate for the quarter has been revised 23.8% lower over the last 30 days to the current level. Hippo Holdings Inc.'s revenues are expected to be $145.2 million, up 23.8% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Hilltop Holdings Inc. (HTH) : Free Stock Analysis Report Hippo Holdings Inc. (HIPO) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

For the quarter ended June 2026, Hilltop Holdings (HTH) reported revenue of $315.81 million, up 4.1% over the same period last year. EPS came in at $0.63, compared to $0.57 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $300.75 million, representing a surprise of +5.01%. The company delivered an EPS surprise of +50%, with the consensus EPS estimate being $0.42. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Hilltop Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Average Outstanding Balance - Interest-earning assets, gross: $14.47 billion versus $14.61 billion estimated by three analysts on average. Non-accrual loans: $54.8 million compared to the $59.65 million average estimate based on three analysts. Net Interest Margin: 3.2% versus 3.1% estimated by three analysts on average. Non-performing assets: $62.27 million compared to the $74.78 million average estimate based on three analysts. Efficiency Ratio: 55% compared to the 85.9% average estimate based on two analysts. Net Interest Income (FTE): $116.7 million versus $112.85 million estimated by three analysts on average. Net Interest Income: $115.85 million compared to the $112.06 million average estimate based on three analysts. Total Noninterest Income: $199.96 million versus the three-analyst average estimate of $188.64 million. Investment banking, advisory and administrative fees: $44.2 million compared to the $41.21 million average estimate based on two analysts. Mortgage loan origination fees: $30.29 million versus $22.93 million estimated by two analysts on average. Net gains from sale of loans and other mortgage production income: $48.58 million compared to the $48.86 million average estimate based on two analysts. Principal transactions, commissions and fees: $64.2 million versus the two-analyst average estimate of $59.15 million. View all Key Company Metrics for Hilltop Holdings here>>> Shares of Hilltop Holdings have returned -2.7% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Hilltop Holdings Inc. (HTH) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research