Hilltop Holdings posts 7.8% revenue growth to $1.28B with NIM up 17 bps
Hilltop Holdings Inc. net revenues rose 7.8% year over year in 2025 to $1.28 billion, driven by net interest income growth and higher fee-based income. Its tax-equivalent net interest margin expanded 17 basis points to 3.00%, though five-year net revenue CAGR remains a negative 9.5%.
1. 2025 Net Revenues and Growth Drivers
Hilltop Holdings Inc. reported net revenues of $1.28 billion in 2025, marking a 7.8% year-over-year increase. Growth was fueled primarily by higher net interest income from expanded average loan balances and a rebound in fee-based income.
2. Margin Expansion
HTH’s tax-equivalent net interest margin widened by 17 basis points to 3.00% in 2025, reversing prior compression through disciplined liability management and reduced deposit funding costs.
3. Five-Year Revenue Trends and Peer Comparison
Over the five years ended 2025, Hilltop’s net revenue CAGR was negative 9.5%, trailing BankUnited’s 4.3% and Valley National’s 9.2%, highlighting challenges in sustaining longer-term growth.