Hilltop Holdings Inc. reported a net income of $172.0 million for the fiscal year ending December 31, 2025, reflecting a 39.6% increase from $123.2 million in 2024. The company's diluted earnings per share rose to $2.64, up from $1.74 in the previous year. Total revenue, comprising net interest income and noninterest income, reached $1.3 billion, a 9.1% increase compared to $1.2 billion in 2024. The banking segment contributed significantly to this growth, generating $193.2 million in income before taxes, while the broker-dealer segment added $67.6 million. However, the mortgage origination segment reported a loss of $17.5 million before taxes, although this was an improvement from a loss of $33.7 million in 2024.
The company experienced a decrease in total assets, which fell to $15.8 billion from $16.3 billion in 2024. Total loans held for investment increased to $8.3 billion, up from $8.0 billion in the prior year, with a notable rise in commercial real estate loans. The allowance for credit losses decreased to $91.5 million, down from $101.1 million in 2024, reflecting improved credit quality and a reduction in net charge-offs, which totaled $16.9 million for the year. The non-accrual loans ratio improved to 0.58% of total loans, down from 1.00% in 2024.
Strategically, Hilltop Holdings continued to focus on enhancing its operational efficiency and expanding its market presence. The company repurchased approximately 5.7 million shares of its common stock for $184.0 million during 2025, as part of its ongoing stock repurchase program. Additionally, Hilltop's board of directors declared a quarterly cash dividend of $0.20 per share in January 2026, marking an 11% increase from the previous quarter. The company also completed the redemption of its $150 million Senior Notes and $50 million 2030 Subordinated Notes, utilizing cash on hand to strengthen its balance sheet.
Operationally, Hilltop Holdings employed approximately 3,500 full-time employees as of December 31, 2025, with a focus on maintaining a diverse workforce. The mortgage origination segment, which operates through PrimeLending, reported a total loan origination volume of $8.9 billion, with 85.9% of this volume related to home purchases. The segment's performance was impacted by fluctuating interest rates and a competitive mortgage market, leading to a strategic reduction in headcount to address production challenges.
Looking ahead, Hilltop Holdings anticipates continued economic uncertainty, which may affect its financial performance in 2026. The company is closely monitoring macroeconomic conditions, including interest rate movements and inflationary pressures, to adapt its strategies accordingly. Management remains committed to enhancing operational efficiencies and capitalizing on growth opportunities while navigating the challenges posed by the evolving economic landscape.
About Hilltop Holdings Inc.
Hilltop Holdings Inc. is a diversified Texas-based financial holding company offering banking, broker-dealer, and mortgage origination services. Its primary operations include retail and commercial banking, investment banking, and residential mortgage lending across the U.S. The company emphasizes personalized customer service, organic growth, and strategic acquisitions, supported by strong capital positions and extensive regulatory compliance within the financial services industry.
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