Hilltop Holdings Inc.

Hilltop also announced that its Board of Directors declared a quarterly cash dividend of $0.18 per common share payable on November 21, 2025, to all common stockholders of record as of the close of business on November 7, 2025.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Additionally, during the third quarter of 2025, Hilltop paid $55.1 million to repurchase an aggregate of 1,701,274 shares of its common stock at an average price of $32.36 per share pursuant to the 2025 stock repurchase program.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Furthermore, in October 2025, the Hilltop Board of Directors authorized an increase to the aggregate amount of common stock that Hilltop may repurchase under the aforementioned stock repurchase program to $185.0 million, an increase of $50.0 million.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

As a result of share repurchases during 2025, Hilltop has approximately $62 million of available share repurchase capacity through the expiration of the 2025 stock repurchase program in January 2026.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Further, Hilltop Holdings returned $66 million to stockholders via $11 million in quarterly dividends and $55 million in repurchases of Hilltop shares.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

(3) Dividend payout ratio is defined as cash dividends declared per common share divided by basic earnings per common share.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Within PlainsCapital Bank, strong core loan and deposit growth on a linked-quarter basis, along with healthy net interest margin expansion, generated $55 million in pre-tax income during the third quarter.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

As we close out 2025, we are working diligently to implement and execute strategic plans for 2026 that will continue to prioritize serving our clients and creating long-term stockholder value.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Such forward-looking statements include, but are not limited to, statements concerning such things as our plans, objectives, strategies, expectations, intentions and other statements that are not statements of historical fact, and may be identified by words such as aim, anticipates, believes, building, continue, could, drive, estimates, expects, extent, focus, forecasts, goal, guidance, intends, may, might, outlook, plan, position, probable, progressing, projects, prudent, seeks, should, steady, target, view, will, working or would or the negative of these words and phrases or similar words or phrases.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

In November 2025, the FASB issued ASU 2025-09, to improve hedge accounting to better align with risk management economics which removes the basis adjustments in fair value hedges from effectiveness assessments in net investment hedges, restoring the viability of dual-hedge strategies.

SEC original ↗Hilltop Holdings Inc. — 10-Q Quarterly report10-QOct 23, 2026

The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs, as indicated below.

SEC original ↗Hilltop Holdings Inc. — 10-Q Quarterly report10-QOct 23, 2026

Treasury yields and mortgage interest rates, changes in funding costs, inflationary pressures, changes in the political environment, the impact of tariffs and reciprocal tariffs, and international armed conflicts and their impact on supply chains.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements anticipated in such statements.

SEC original ↗Hilltop Holdings Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Legal Proceedings 102 Item 1A.

SEC original ↗Hilltop Holdings Inc. — 10-Q Quarterly report10-QOct 23, 2026

Actual amounts and values as of the balance sheet dates may be materially different than the amounts and values reported due to the inherent uncertainty in the estimation process.

SEC original ↗Hilltop Holdings Inc. — 10-Q Quarterly report10-QOct 23, 2026