Hilltop Holdings Inc. — Form 8-K
Filed October 22, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 45/100
What the filing says
Hilltop Holdings reported Q3 2026 net income of $24.9M ($0.44 diluted EPS), down 46% from $45.8M ($0.74 EPS) in Q3 2025. PlainsCapital Bank generated $44.1M pre-tax income with NIM improving 26 bps YoY to 3.49%; PrimeLending posted a $10.8M loss as mortgage gain-on-sale compressed 18 bps to 211 bps; HilltopSecurities saw pre-tax income collapse 74% to $6.8M as structured finance and fixed income businesses suffered market volatility. Company returned $32.6M to shareholders ($20M repurchases of 0.51M shares, $12.6M dividends). Full-year 2026 guidance: loan growth 7–8%, deposit growth 0–2%, NII up 5–6%, provision expense 10–25 bps of average loans.
Why this rating
Material earnings decline and operating headwinds (mortgage margins, market volatility) but offset by stable banking NIM growth and capital return. Moderate relative to $1.3B market cap.
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