Hilltop Holdings posts record 2025 earnings with dividend hike and steady growth outlook

Hilltop Holdings has reported strong financial results for 2025, with significant growth in net income for both the full year and the final quarter. The company's leadership, led by Jeremy B. Ford, announced these figures on January 30, 2026, alongside a dividend increase and stable revenue expectations for the year ahead.

The company's net income rose sharply in 2025, driven by higher net interest income, controlled deposit costs, and increased fee revenues across business lines. Operating expenses grew at a measured pace, allowing for a 6% improvement in operating leverage.

Loan demand remains robust, with bank loan growth projected at 4%-6% in 2026. The mortgage division expects stable gain-on-sale revenue, while broker-dealer pretax margins are forecast to stay in the low-double-digit to low-teen range. Hilltop's capital position remains strong, with a common equity tier 1 ratio of 19.7%.

Despite the positive outlook, the company acknowledged risks from competitive loan pricing and broader economic conditions. Net interest income could also face moderate pressure if interest rates shift.

Hilltop Holdings has raised its dividend by 11%, reflecting confidence in its financial position. The company's leadership highlighted disciplined cost management and revenue growth as key factors in its performance. Looking ahead, loan growth and stable mortgage revenues will remain central to its strategy.