Hilltop Q2 net income $36.1M ($0.57 EPS) vs $20.3M; NIM expands, credit loss reversal, dividend raised

Hilltop Holdings Inc.

2025-Q2 EPS reported $1.22

Net income to common stockholders $36.1M ($0.57 diluted EPS) vs $20.3M ($0.31) in Q2 2024, driven by credit loss reversal and higher NIM.
Net interest margin expanded to 3.01% (Q1: 2.84%); reversal of credit losses $7.3M vs provision of $9.3M in Q1.
Dividend raised to $0.18/share (prev $0.17) payable Aug 29, record Aug 15; stock buyback authorization increased by $35M to $135M.
Redeemed all $50M of 5.75% subordinated notes due 2030 on May 15; mortgage segment included $9.5M one-time legal settlement benefit.
Mortgage origination volume $2.4B flat YoY; net gains 233 bps; banking segment NIM 3.16%.

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