Hilltop Holdings Inc. (HTH) FY2025 10-K Annual Report

Filed: Feb 13, 2026
Financials
State Commercial BanksSEC EDGAR

Hilltop Holdings Inc. (HTH) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 13, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.

Hilltop Holdings Inc. FY2025 10-K Analysis

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
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Management Discussion & Analysis

  • Revenue details and YoY change not provided in the excerpt
  • Profitability or margin figures not disclosed in the provided text
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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
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Hilltop Holdings Inc. FY2025 Key Financial Metrics
XBRL

Revenue

$784M

-6.3% YoY

Net Income

$166M

+46.3% YoY

Net Margin

21.1%

+758bp YoY

ROE

7.6%

+247bp YoY

Total Assets

$15.8B

-2.6% YoY

EPS (Diluted)

$2.64

+51.7% YoY

Operating Cash Flow

-$39M

-114.1% YoY

Source: XBRL data from Hilltop Holdings Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.

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