Hilltop Holdings Inc., a Dallas, Texas-based entity established in 1998, delivers a comprehensive suite of financial products and services, catering to both ...
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Est. EPS $0.63 · Revenue $320.16M · 3 analysts
Est. EPS $0.64 · Revenue $320.54M · 3 analysts
Est. EPS $2.54 · Revenue $1.26B · 3 analysts
Est. EPS $0.47 · Revenue $303.03M · 1 analysts
$0.76 per share
$0.76 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $1.6B | +5.5% | +4.4% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $165.6M | +46.3% | -3.5% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +78.4% | +7.8% | +1.6% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +13.6% | +35.9% | -4.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +10.2% | +38.7% | -7.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $-95.1M | -135.6% | -12.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | -5.9% | -133.8% | -7.9% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 42.7% | -30.6% | +21.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.24x | -37.2% | -30.8% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $15.8B | -2.6% | +1.9% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2.64 vs 1.83 | +44.3% | 0.63 vs 0.49 | +28.6% |
| Revenue Surprise | $1.6B vs $1.2B | +34.0% | $389.0M vs $306.2M | +27.0% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 24, 2026 | Bobbitt Rhodes R | director | Common Stock | D | 5,000 | $38.80 |
| Aug 21, 2026 | Thompson Steve B | officer: PrimeLending President and CEO | Common Stock | A | 422 | — |
| Aug 21, 2026 | SOBEL JONATHAN S | director, officer: Hilltop Securities Chairman | Common Stock | A | 122 | — |
| Aug 21, 2026 | Winges Martin Bradley | officer: Hilltop Securities CEO | Common Stock | A | 158 | — |
| Aug 21, 2026 | PRESTIDGE COREY | officer: EVP, General Counsel & Sec. | Common Stock | A | 699 | — |
Operator: Hello everyone. Thank you for joining us and welcome to Hilltop Holdings Second Quarter 2026 Earnings Conference Call. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press *1. To raise your hand. To withdraw your question, please press *1 again. I will now hand the conference over to Matthew Dunn. Corporate development officer and head of investor relations. Matthew, please go ahead. Matthew Dunn: Thank you. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact including statements concerning such items as our outlook, business strategy, future plans, financial condition, credit risks and trends in credit, allowance for credit losses, liquidity and sources of funding, funding costs, dividends, stock repurchases, subsequent events, and impacts of interest rate changes, as well as such other items referenced in the preface of our presentation are forward looking statements. These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and uncertainties. Our actual results, capital, liquidity, and financial condition may differ materially from these statements due to a variety of factors. Including the precautionary statements referenced in the preface of our presentation and those included in our most recent annual and quarterly reports filed with the SEC. Please note that certain information presented is preliminary and based upon data available at this time. Except to the extent required by law, expressly disclaim any obligation to update earlier statements as a result of new information. Additionally, this presentation includes certain non GAAP measures including tangible common equity and tangible book value per share. A reconciliation of these measures to the nearest GAAP measure may be found in the appendix of to this presentation which is posted on our website at ir.hilltop.com. I will now be turning the presentation over to Jeremy Blueford. Jeremy Blue Ford: Thank you, Matthew, and good morning. For the second quarter, Hilltop reported net income of $36.5 million or $0.63 per diluted share. Return on average assets for the period was 1.0%, and return on average equity was 6.9%. To summarize the lines of business, PlainsCapital Bank produced continued strong loan growth and further expansion in net interest margin while delivering $51 million in pretax income. PrimeLending reported a pretax loss of $2 million as the mortgage market faced a muted start to the summer buying season. And Hilltop Securities delivered a $6 million year over year increase in pretax income primarily due to strong quarters within wealth management and structured finance. At PlainsCapital Bank, a robust loan pipeline and pull through rate paired with the continued expansion of net interest margin to 3.42%. Helped to produce a 1.30% return on …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Martin Bradley Winges | President & Chief Executive Officer of Hilltop Securities Inc. | USD 2,774,688 | Male | 1968 | Active |
Stephen Thompson | President & Chief Executive Officer of PrimeLending | USD 1,416,996 | Male | 1961 | Active |
William Furr | Executive Vice President & Chief Financial Officer | USD 1,271,172 | Male | 1978 | Active |
Corey G. Prestidge | Executive Vice President, General Counsel & Secretary | USD 1,036,240 | Male | 1974 | Active |
Jeremy Blue Ford | President, Chief Executive Officer & Chairman | USD 916,845 | Male | 1975 | Active |
Darren Eugene Parmenter | Executive Vice President & Chief Administrative Officer | USD 627,105 | Male | 1963 | Active |
David Rhodes | Chief Information Officer | — | Male | — | Active |
Keith Edward Bornemann | Executive Vice President & Chief Accounting Officer | — | Male | 1972 | Active |
Matthew Dunn | Head of Investor Relations | — | Male | — | Active |
Wayne Becker | Corporate Treasurer & Chief Investment Officer | — | Male | — | Active |
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