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-0.0026205450733753 -0.0026205450733753 -0.00655136268343815 -0.00812368972746337 -0.00746855345911959 -0.00550314465408807 -0.00707547169811329 0.00104821802935008
Stock impact report

Hilltop (HTH) Q4 2025 Earnings Call Transcript [Yahoo! Finance]

Hilltop Holdings Inc. (HTH) 
Last hilltop holdings inc. earnings: 4/30 05:15 pm Check Earnings Report
US:NYSE Investor Relations: hilltop-holdings.com
Company Research Source: Yahoo! Finance
Chief Financial Officer — William E. Furr Jeremy Ford. Jeremy Ford: Thank you, Matt, and good morning. Before we review the results for the fourth quarter, I would like to spend time discussing the full year 2025. From a macro perspective, we saw a continued decline in short-term interest rates as the FOMC cut their target rate three times, totaling 75 basis points. The yield curve realized a further steepening through the year as long-term interest rates, namely the ten-year treasury note, remained range-bound between 4-4.5%. Hilltop Holdings Inc., akin to many of our banking peers, has benefited from the increased slope of the yield curve by realizing an increase in net interest income and net interest margin. Specifically, at PlainsCapital Bank, proactive management of deposit costs has helped to increase NIM by 12 basis points when compared to the prior year. At PrimeLending, the combination of further expense optimization and a tightening in the spread between the going on Show less Read more
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