For the quarter ended December 2025, Hilltop Holdings (HTH) reported revenue of $329.89 million, up 9.6% over the same period last year. EPS came in at $0.69, compared to $0.55 in the year-ago quarter.
The reported revenue represents a surprise of +8.93% over the Zacks Consensus Estimate of $302.84 million. With the consensus EPS estimate being $0.46, the EPS surprise was +50%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: $14.8 billion versus $14.44 billion estimated by three analysts on average.
- Non-accrual loans: $53.45 million compared to the $65.72 million average estimate based on three analysts.
- Net Interest Margin: 3% versus 3% estimated by three analysts on average.
- Non-performing assets: $61.47 million versus the three-analyst average estimate of $74.63 million.
- Efficiency Ratio: 54.1% versus the two-analyst average estimate of 84.7%.
- Total Noninterest Income: $217.36 million versus the three-analyst average estimate of $195.22 million.
- Net Interest Income: $112.53 million versus $107.64 million estimated by three analysts on average.
- Net Interest Income (FTE): $113.38 million versus $108.55 million estimated by three analysts on average.
- Net gains from sale of loans and other mortgage production income: $49.58 million compared to the $49.4 million average estimate based on two analysts.
- Noninterest income- Other: $17.52 million compared to the $36.88 million average estimate based on two analysts.
- Investment and securities advisory fees and commissions: $47.63 million compared to the $50.61 million average estimate based on two analysts.
- Mortgage loan origination fees: $26.6 million versus $25.25 million estimated by two analysts on average.
View all Key Company Metrics for Hilltop Holdings here>>>
Shares of Hilltop Holdings have returned +7.3% over the past month versus the Zacks S&P 500 composite's +0.8% 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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Hilltop Holdings Inc. (HTH): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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