Hilltop Q3 earnings fall to $0.44 EPS from $0.74; credit provision swings to $10.2M

Hilltop Holdings Inc.

Net income attributable to common stockholders was $24.9M, or $0.44 diluted EPS, down from $45.8M and $0.74 in Q3 2025; return on assets fell to 0.67% from 1.20%.
Provision for credit losses was $10.2M versus a $2.5M reversal a year earlier; PlainsCapital earned $44M pre-tax with 1.1% ROA and banking NIM of 3.49%.
PrimeLending posted an $11M pre-tax loss as mortgage origination volume fell to $2.2B from $2.3B and gain-on-sale narrowed to 211 bps from 229 bps in Q2.
HilltopSecurities generated $117M of net revenue and $7M pre-tax income, a 5.9% margin; consolidated noninterest income fell 14.1% YoY to $187.1M.
Dividend raised to $0.22/share from $0.20 in Q2 and $0.18 a year ago, payable Nov. 20 to holders of record Nov. 6; Q3 buybacks were $20M for 512,075 shares at $38.96.

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