**Hilltop Holdings Inc. (HTH)** reported fourth-quarter 2025 earnings of 69 cents per share, exceeding the Zacks Consensus Estimate of 46 cents and reflecting a 25.5% year-over-year increase. Net income attributable to common stockholders rose to $41.6 million, a 17.1% increase compared to the previous year. For the full year, earnings per share reached $2.64, significantly above the consensus estimate of $1.93 and up 51.7% year-over-year.
The company’s fourth-quarter net revenues were $329.9 million, a 9.6% year-over-year increase, surpassing the estimate of $302.8 million. Total deposits increased to $10.9 billion, up 1.9%, while net loans held for investment reached $8.2 billion, a sequential rise of 1.1%. Non-interest expenses climbed by 2.3% to $268.9 million mainly due to higher employee compensation costs.
Credit quality showed mixed results; the fourth-quarter provision for credit losses was $7.8 million, contrasting with a reversal of $5.9 million in the prior year. Non-performing assets decreased to 0.39% of total assets. The company’s return on average assets improved to 1.09%, while the common equity tier 1 capital ratio fell to 19.70%.
