Hilltop Holdings (HTH) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2025, Hilltop Holdings (HTH) reported revenue of $330.2 million, up 8.1% over the same period last year. EPS came in at $0.74, compared to $0.46 in the year-ago quarter.

The reported revenue represents a surprise of +7.1% over the Zacks Consensus Estimate of $308.3 million. With the consensus EPS estimate being $0.49, the EPS surprise was +51.02%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Hilltop Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Average Outstanding Balance - Interest-earning assets, gross: $14.47 billion compared to the $14.59 billion average estimate based on three analysts.
• Non-accrual loans: $68.25 million versus $70.34 million estimated by three analysts on average.
• Net Interest Margin: 3.1% versus 3% estimated by three analysts on average.
• Non-performing assets: $76.54 million versus $77.61 million estimated by three analysts on average.
• Efficiency Ratio: 51.7% versus 84% estimated by two analysts on average.
• Total Noninterest Income: $217.81 million versus the three-analyst average estimate of $198.32 million.
• Net Interest Income: $112.39 million versus $109.97 million estimated by three analysts on average.
• Net Interest Income (FTE): $113.33 million compared to the $110.69 million average estimate based on three analysts.
• Net gains from sale of loans and other mortgage production income: $51.73 million versus $53.24 million estimated by two analysts on average.
• Noninterest income- Other: $49.16 million versus $42.32 million estimated by two analysts on average.
• Investment and securities advisory fees and commissions: $53.35 million compared to the $43.98 million average estimate based on two analysts.
• Mortgage loan origination fees: $24.85 million compared to the $31.23 million average estimate based on two analysts.

View all Key Company Metrics for Hilltop Holdings here>>>

Shares of Hilltop Holdings have returned -4.1% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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