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Hilltop Holdings (HTH) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended September 2024, Hilltop Holdings (HTH - Free Report) reported revenue of $305.49 million, down 2.2% over the same period last year. EPS came in at $0.46, compared to $0.57 in the year-ago quarter.

The reported revenue represents a surprise of +1.06% over the Zacks Consensus Estimate of $302.29 million. With the consensus EPS estimate being $0.39, the EPS surprise was +17.95%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Hilltop Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Average Outstanding Balance - Interest-earning assets, gross: $14.68 billion versus $14.63 billion estimated by three analysts on average.
  • Net Interest Margin: 3.1% versus the three-analyst average estimate of 2.9%.
  • Non-Performing Assets: $94.34 million compared to the $96.75 million average estimate based on two analysts.
  • Efficiency Ratio: 55.2% versus the two-analyst average estimate of 86.1%.
  • Non-Performing Loans: $91.19 million compared to the $91.86 million average estimate based on two analysts.
  • Net Interest Income (FTE): $105.62 million versus the three-analyst average estimate of $107.45 million.
  • Total Noninterest Income: $200.44 million versus $195.44 million estimated by three analysts on average.
  • Net Interest Income: $105.04 million versus $106.85 million estimated by three analysts on average.
  • Mortgage loan origination fees: $32.12 million compared to the $35.10 million average estimate based on two analysts.
  • Securities commissions and fees: $30.43 million compared to the $42.11 million average estimate based on two analysts.
  • Investment and securities advisory fees and commissions: $42.22 million compared to the $34.68 million average estimate based on two analysts.
  • Net gains from sale of loans and other mortgage production income: $47.82 million compared to the $51.26 million average estimate based on two analysts.
View all Key Company Metrics for Hilltop Holdings here>>>

Shares of Hilltop Holdings have returned -2.9% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.

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