---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-012021"
form_type: "8-K"
ticker: "HTH"
cik: "0001265131"
company_name: "Hilltop Holdings Inc."
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:26:19.749067+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Hilltop Q2 EPS $0.28, down 38% YoY; mortgage income drops 36%

## Summary
- Net income to common stockholders $18.1M ($0.28 diluted EPS) vs $33.3M ($0.45) in Q2 2022.
- Provision for credit losses jumped to $14.8M from $5.3M YoY, citing CRE deterioration and economic outlook.
- Mortgage origination segment net gains fell 36% to $90.0M; origination volume down 34% to $2.5B.
- Net interest margin narrowed to 3.03% from 3.28% in Q1; noninterest income declined 20% to $190.7M.
- Board declared $0.16 quarterly dividend (unchanged); non-performing loans rose to 0.40% of loans.

## SEC filing metadata
- accession: 0001558370-23-012021
- form_type: 8-K
- ticker: HTH
- cik: 0001265131
- company_name: Hilltop Holdings Inc.
- filed_at: 2023-07-20T23:59:59+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/1265131/000155837023012021/0001558370-23-012021-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1265131/000155837023012021/hth-20230720x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-012021
- JSON: https://secwatch.observer/filing/0001558370-23-012021.json
- Plain text: https://secwatch.observer/filing/0001558370-23-012021.txt

## Key facts
- Earnings Releases
  Hilltop Holdings Inc. reported the second quarter of 2023 results: net income $18.1 million, EPS $0.28 per diluted share.
  - Period: the second quarter of 2023
  - Net income: $18.1 million
  - EPS: $0.28 per diluted share
  - Result: reported results
  source text: Hilltop produced income to common stockholders of $18.1 million, or $0.28 per diluted share, for the second quarter of 2023, compared to $33.3 million, or $0.45 per diluted share, for the second quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1265131/000155837023012021/0001558370-23-012021-index.htm

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