---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-000622"
form_type: "8-K"
ticker: "HTH"
cik: "0001265131"
company_name: "Hilltop Holdings Inc."
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T07:57:21.078000+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Hilltop Q4 net income drops to $25.6M; mortgage volume plummets 59% YoY

## Summary
- Q4 2022 diluted EPS $0.39 vs $0.78 in Q4 2021; full-year EPS $1.60 vs $4.61.
- Mortgage origination volume $2.0B (down 59% YoY); net gains fell 63% to $71.1M.
- Provision for credit losses $3.6M (vs reversal of $18.6M in Q4 2021).
- Dividend raised to $0.16/share (7% increase); new $75M buyback authorized through Jan 2024.
- Net interest margin improved to 3.23% from 2.44% a year ago.

## SEC filing metadata
- accession: 0001558370-23-000622
- form_type: 8-K
- ticker: HTH
- cik: 0001265131
- company_name: Hilltop Holdings Inc.
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1265131/000155837023000622/0001558370-23-000622-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1265131/000155837023000622/hth-20230126x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-000622
- JSON: https://secwatch.observer/filing/0001558370-23-000622.json
- Plain text: https://secwatch.observer/filing/0001558370-23-000622.txt

## Key facts
- Earnings Releases
  Hilltop Holdings Inc. reported financial results for the fourth quarter and full year 2022.
  - Period: the fourth quarter and full year 2022
  - Result: reported results
  source text: On January 26, 2023, Hilltop Holdings Inc., or the Company, issued a press release announcing its results of operations and financial condition as of and for the three months and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1265131/000155837023000622/0001558370-23-000622-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.