Hilltop Q3 EPS Falls to $0.44 From $0.74 as Credit Provision Swings to $10.2M
HTH sits 17% above its 52-week low of $31.745.
Summary
Hilltop earned $0.44 per diluted share in Q3 2026 versus $0.74 a year ago, hit by a $10.2 million credit provision and an $11 million pre-tax loss at PrimeLending. The dividend rose to $0.22 per share and roughly $86 million of buyback capacity remains.
Key Events · Earnings and Guidance · HTH
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Q3 Earnings Roughly Halved
Income attributable to common stockholders was $24.9 million, or $0.44 per diluted share, versus $45.8 million, or $0.74, in Q3 2025.
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Credit Provision Swings to $10.2M
The $10.2 million provision compares with a $1.0 million reversal in Q2 2026 and a $2.5 million reversal in Q3 2025, driven by loan mix, risk-rating migration and specific reserves.
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PrimeLending Posts $11M Pre-Tax Loss
Mortgage originations fell to $2.2 billion from $2.3 billion a year ago and net gains on loans sold dropped to 211 basis points from 229 in Q2 2026 as rates spiked.
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Dividend Raised to $0.22
Payable November 20, 2026 to stockholders of record as of November 6, 2026, up from $0.20 per share.
Analysis · HTH · Finance
Earnings roughly halved year over year: $24.9 million, or $0.44 per diluted share, against $45.8 million, or $0.74, a year earlier. Two items drive the swing. The bank set aside $10.2 million for credit losses after two straight quarters of reversals, and PrimeLending lost $11 million pre-tax as the intra-quarter jump in mortgage rates cut purchase volume and marked down pipeline loans. Offsets: net interest margin widened to 3.33% from 3.21%, deposits grew to $11.0 billion from $10.5 billion, and capital remains thick (CET1 18.28%). The board also lifted the quarterly dividend to $0.22 from $0.20 and still has about $86 million of buyback capacity through January 2027. This lands nine days after 27.3% holder Gerald Ford's October 16 letter demanding the CEO and Chairman roles be split — a weak quarter gives that campaign ammunition ahead of the October 23 conference call.
How filings like this one have moved
In the 30 days to Oct 22, 2026, 29.3% of the 1526 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.41%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, HTH was trading at $37.28 on NYSE in the Finance sector, with a market capitalization of approximately $2.1B. The 52-week trading range was $31.75 to $40.41. This filing was assessed with negative market sentiment and an importance score of 7 out of 10.