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Hilltop Holdings (HTH) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 23, 2026 · Hilltop Holdings (HTH) Q3 2026 earnings results →
Q3 2026 Revenue down 6% year over year to $310M · 8¢ of every $1 of revenue kept as net profit · operating margin 11.4%
Hilltop Holdings made $310M in Q3 2026 (-6% Y/Y): Noninterest income $187M, Net interest income $122M. Operating margin 11.4%, net earnings $24.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 23, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $309.5M in Q3 2026, down 6% year over year and down 2% from the previous quarter. Noninterest income was the largest line at 60% of revenue. Noninterest income lost $30.7M year over year (down 14%), 148% of the total change.
Operating profit was $35.2M, a 11.4% margin (down 7.0 points year over year). Total costs grew 2% against a revenue fall of 6%. Net earnings were $24.9M, down 46% year over year. The effective tax rate was 25.2%.
Operating cash flow was $507.8M (up 86% year over year), 1929% of net income including minority interests. Non-cash charges added back $1.6M of depreciation and amortization. Working capital and other items added $479.9M. Capital expenditures of $4.2M left free cash flow of $503.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 23, 2026 | $310M | -6% | 11.4% | $24.9M | $508M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Hilltop Holdings
Hilltop Holdings Inc. is a diversified, Texas-based financial holding company incorporated in Maryland and registered under the Bank Holding Company Act of 1956, as amended (the “Bank Holding Company Act”). Our primary line of business is to provide business and consumer banking services from offices located throughout Texas through the Bank. We also provide an array of financial products and services through our broker-dealer and mortgage origination segments. We endeavor to build and maintain a strong financial services company through organic growth as well as acquisitions, which we may make using available capital, excess liquidity and, if necessary or appropriate, additional equity or debt financing sources. The following includes additional details regarding the financial products and services provided by each of our two primary business units.
In its own words, from its 10-K, filed Feb 13, 2026.
Hilltop Holdings against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -6% against the peers' median +10%. Operating margin: 11.4% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HTH Hilltop Holdings | Q3 2026 | $310M | -6% | 11.4% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Hilltop Holdings 10-Q on SEC EDGAR · CIK 1265131 · State Commercial Banks
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Every quarter: Q3 2026 results