Hilltop Holdings Inc.
hilltop-holdings.comWhat Do They Do?
Provides banking to businesses and consumers in Texas, residential mortgages across the United States, and investment banking and related financial services to public entities nationwide.
10-K for FY2025, filed Feb 13, 2026Hilltop Holdings Inc. is a diversified, Texas-based financial holding company incorporated in Maryland and registered under the Bank…View ↗
PCC. PCC is a financial holding company that provides, through its subsidiaries, traditional banking and wealth, investment and treasury…View ↗
Public Finance Services. The public finance services line of business assists public entities nationwide, including cities, counties…View ↗
How Do They Make Money?
Banking customers pay retail and trust fees when a transaction occurs or a service is completed. Broker-dealer income includes commissions and fees for investment banking and asset-management services, with timing determined by each contract.
10-K for FY2025, filed Feb 13, 2026
-
10-K for FY2025, filed Feb 13, 2026
FY2025 revenue by product or service ↗
$784.1M
-
10-K for FY2025, filed Feb 13, 2026
$784.1M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Mortgage loan origination fees
|
24% |
Mortgage loan origination fees, FY2025
$102.6M Sources
|
|
Commissions
|
9.9% |
Commissions, FY2025
$42.2M Sources
|
|
Money market and bank-insured fund fees
|
9.1% |
Money market and bank-insured fund fees, FY2025
$38.8M Sources
|
|
Principal transactions, commissions and fees, other
|
7.5% |
Principal transactions, commissions and fees, other, FY2025
$32M Sources
|
|
Investment banking, advisory and administrative fees
|
42% |
Investment banking, advisory and administrative fees, FY2025
$181.3M Sources
|
|
Service charges on depositor accounts
|
4.4% |
Service charges on depositor accounts, FY2025
$18.9M Sources
|
|
Trust fees
|
2.9% |
Trust fees, FY2025
$12.4M Sources
|
Who Are Their Customers?
Serves Texas businesses and individuals with banking services, public entities nationwide with municipal finance and advisory services, and mortgage borrowers across the United States.
10-K for FY2025, filed Feb 13, 2026PCC. PCC is a financial holding company that provides, through its subsidiaries, traditional banking and wealth, investment and treasury…View ↗
Business Banking. Our business banking customers primarily consist of real estate (including construction and land development)…View ↗
Public Finance Services. The public finance services line of business assists public entities nationwide, including cities, counties…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 21 cents of every revenue dollar as net income in FY2025, but spent more cash than it brought in: free cash flow was −$55.5M.
How Are They Changing?
- Net income
-
Sources
10-Q for Q3 FY2026, filed Oct 23, 2026
$24.9MView ↗
- ▼ −46%
- vs $45.8M in Q3 FY2025
10-Q for Q3 FY2026, filed Oct 23, 2026
Open tableView ↗
Growing. Revenue grew 48% in 4 years, from $530M in FY2021 to $784.1M in FY2025, about 10% a year.
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