Short answer
Hilltop Holdings Inc. (HTH) filed its fiscal 2025 10-K annual report with the SEC on Feb 13, 2026. It reported revenue of $784M (−6.3% year over year) and net income of $166M.
- Top risk flagged: Regulatory risk: Compliance with Bank Holding Company Act of 1956 after PlainsCapital Merger in 2012 may constrain strategic flexibility
FY2025 key financial metrics · XBRL
- Revenue
- $784M
- −6.3% YoY
- Net income
- $166M
- +46.3% YoY
- EPS (diluted)
- $2.64
- +51.7% YoY
- ROE
- 7.6%
- +2.5 pp YoY
- Operating cash flow
- −$39M
- −114.1% YoY
Source: XBRL data from the Hilltop Holdings Inc. (HTH) FY2025 10-K on SEC EDGAR. USD.
Hilltop Holdings Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: diversified banking and financial services including deposit-taking, lending, and mortgage operations
- No new products or segments introduced; compliance emphasis on AML 2020 Act and updated privacy regulations effective 2025
- Strategic focus: strengthened regulatory compliance with AML modernization and expanded data privacy under Gramm-Leach-Bliley and SEC Regulation S-P amendments
- Well-capitalized status maintained as of Dec 31, 2025, enabling unrestricted brokered deposits acceptance
- Noteworthy: implementation of beneficial ownership reporting under Corporate Transparency Act effective Jan 1, 2024, enhancing transparency requirements
Management Discussion & Analysis
- Cash flow, buybacks, dividends, or capex amounts not mentioned
- Forward-looking risks acknowledged, no specific guidance or outlook detailed
Risk Factors
- Regulatory risk: Compliance with Bank Holding Company Act of 1956 after PlainsCapital Merger in 2012 may constrain strategic flexibility
- Macroeconomic challenge: Mortgage origination segment exposed to interest rate sensitivity causing volatile operating results and potential goodwill impairment
- Operational risk: Mortgage origination segment dependent on secondary market loan sales, susceptible to market demand fluctuations impacting revenue
- Competitive risk: Broker-dealer segment faces pressure from firms with stronger fixed income and wealth management services, impacting commissions and fees
- Financial risk: Provision for credit losses in banking segment surged 639% to $7.3 million in 2025, reflecting evolving loan portfolio credit quality pressures
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