Hilltop Holdings Inc. (HTH): Business Model Canvas

Tauchen Sie ein in die komplexe Welt von Hilltop Holdings Inc. (HTH), einem dynamischen Finanzunternehmen, das das traditionelle Bankwesen durch ein strategisches, vielschichtiges Geschäftsmodell transformiert. Durch die nahtlose Verbindung innovativer digitaler Plattformen mit personalisierten Finanzdienstleistungen hat Hilltop Holdings eine einzigartige Nische in der wettbewerbsintensiven Bankenlandschaft geschaffen. Von kleinen Unternehmen bis hin zu vermögenden Privatpersonen zeigt ihr umfassender Ansatz für Finanzlösungen eine bemerkenswerte Fähigkeit, sich unterschiedlichen Kundensegmenten anzupassen, sie zu bedienen und zu übertreffen, was sie zu einem herausragenden Akteur im modernen Finanzdienstleistungsbereich macht.

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Wichtige Partnerschaften

Bank- und Finanzdienstleistungsinstitute

Ab 2024 arbeitet Hilltop Holdings mit folgenden Finanzinstituten zusammen:

Partnerinstitution	Art der Partnerschaft	Details zur Zusammenarbeit
PlainsCapital Bank	Tochterbank	Vollständige Integration von Bankdienstleistungen
Unabhängige Bankengruppe	Regionales Bankennetzwerk	Marktübergreifende Finanzdienstleistungen

Technologie- und Softwareanbieter

Zu den Technologiepartnerschaften von Hilltop Holdings gehören:

• Jack Henry & Associates – Kernbank-Technologieplattform
• Fiserv – Digitale Banking-Lösungen
• Microsoft Azure – Cloud-Infrastrukturdienste

Immobilien- und Hypothekenkreditnetzwerke

Wichtige Kennzahlen für Hypotheken- und Immobilienpartnerschaften:

Partner	Kreditvolumen 2023	Dauer der Partnerschaft
Garantierter Preis	412 Millionen Dollar	5 Jahre
Bewegungshypothek	287 Millionen Dollar	3 Jahre

Investment- und Vermögensverwaltungsunternehmen

Strategische Investitionspartnerschaften:

• Raymond James – Empfehlungsnetzwerk für Vermögensverwaltung
• Edward Jones – Vertrieb von Anlageprodukten
• Schwab Institutional – Depotdienstleistungen

Einhaltung gesetzlicher Vorschriften und Rechtsberatung

Einzelheiten zu Compliance und rechtlicher Partnerschaft:

Partner	Servicetyp	Jährlicher Vertragswert
Wolters Kluwer	Software zur Einhaltung gesetzlicher Vorschriften	1,2 Millionen US-Dollar
Deloitte	Rechts- und Regulierungsberatung	2,5 Millionen Dollar

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundengeschäfte

Im vierten Quartal 2023 meldete Hilltop Holdings ein Gesamtvermögen von 14,7 Milliarden US-Dollar. Das Unternehmen ist über mehrere Tochterbanken tätig, darunter die PlainsCapital Bank.

Bankmetrik	Wert 2023
Gesamteinlagen	12,3 Milliarden US-Dollar
Kreditportfolio	10,8 Milliarden US-Dollar
Nettozinsertrag	344,2 Millionen US-Dollar

Hypothekendarlehen und Immobilienfinanzierung

Die Hypothekenkreditabteilung von Hilltop generierte im Jahr 2023 erhebliche Einnahmequellen.

• Vergabe von Wohnhypotheken: 2,1 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 3,4 Milliarden US-Dollar
• Einnahmen aus dem Hypothekenbankgeschäft: 187,6 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Über seine Investmenttochtergesellschaften bietet Hilltop umfassende Finanzdienstleistungen an.

Vermögensverwaltungskennzahl	Leistung 2023
Verwaltetes Vermögen	6,2 Milliarden US-Dollar
Anlageberatungsgebühren	42,3 Millionen US-Dollar

Risikomanagement und Finanzberatung

Risikomanagementfunktionen sind für die operative Strategie von Hilltop von entscheidender Bedeutung.

• Budget für Kreditrisikomanagement: 18,7 Millionen US-Dollar
• Team für Compliance und regulatorisches Reporting: 47 Fachleute
• Jährliche Investitionen in Cybersicherheit: 12,4 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Hilltop investiert weiterhin in die technologische Infrastruktur.

Digital-Banking-Metrik	Daten für 2023
Mobile-Banking-Benutzer	287,000
Online-Transaktionsvolumen	4,2 Millionen monatlich
Ausgaben für die Entwicklung digitaler Plattformen	22,1 Millionen US-Dollar

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Schlüsselressourcen

Erfahrenes Finanzmanagement-Team

Zum 31. Dezember 2023 verfügte Hilltop Holdings Inc. über ein Managementteam mit einer durchschnittlichen Betriebszugehörigkeit von 12,5 Jahren im Finanzdienstleistungsbereich. Zum Führungsteam gehören:

Position	Jahrelange Erfahrung
CEO	18 Jahre
Finanzvorstand	15 Jahre
Chief Banking Officer	14 Jahre

Fortschrittliche Banktechnologie-Infrastruktur

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 42,3 Millionen US-Dollar. Zu den wichtigsten technologischen Ressourcen zählen:

• Cloudbasierte Bankplattformen
• Fortschrittliche Cybersicherheitssysteme
• Risikomanagement-Tools, die auf maschinellem Lernen basieren
• Mobile und digitale Banking-Infrastruktur

Diversifiziertes Finanzdienstleistungsportfolio

Umsatzaufteilung nach Segmenten für 2023:

Segment	Einnahmen	Prozentsatz
Bankwesen	487,6 Millionen US-Dollar	45%
Hypothek	312,4 Millionen US-Dollar	29%
Makler-Händler	276,2 Millionen US-Dollar	26%

Starke Kapitalreserven und Liquidität

Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 16,7 Milliarden US-Dollar
• Kernkapitalquote: 13,6 %
• Zahlungsmittel und Zahlungsmitteläquivalente: 1,2 Milliarden US-Dollar
• Deckung liquider Mittel: 185 %

Umfangreiches Filial- und digitales Netzwerk

Details zur Netzwerkinfrastruktur:

Netzwerkkomponente	Menge
Physische Bankfilialen	135
Geldautomatenstandorte	287
Benutzer des digitalen Bankings	426,000
Mobile-Banking-App-Downloads	312,000

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Wertversprechen

Umfassende Finanzlösungen für Unternehmen und Privatpersonen

Im vierten Quartal 2023 meldete Hilltop Holdings ein Gesamtvermögen von 15,1 Milliarden US-Dollar, wobei Banklösungen auf bestimmte Marktsegmente ausgerichtet waren.

Kategorie „Finanzdienstleistungen“.	Gesamtwert des Portfolios	Marktsegment
Kommerzielles Banking	6,4 Milliarden US-Dollar	Kleine bis mittlere Unternehmen
Persönliches Banking	4,7 Milliarden US-Dollar	Einzelne Verbraucher
Vermögensverwaltung	2,9 Milliarden US-Dollar	Vermögende Privatpersonen

Personalisierte Bank- und Investmentdienstleistungen

Hilltop bietet maßgeschneiderte Finanzprodukte mit präziser Zielgruppenansprache:

• Verwaltung des Anlageportfolios
• Dienstleistungen zur Altersvorsorge
• Maßgeschneiderte Kreditlösungen

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkttyp	Zinssatz	Mindestinvestition
Sparkonto	4.25%	$500
Einzahlungsbescheinigung	5.10%	$1,000
Geldmarktkonto	4.75%	$2,500

Lokale Marktexpertise und kundenorientierter Ansatz

Hilltop ist in 4 Bundesstaaten mit 53 Filialen tätig und konzentriert sich mit 78 % seiner Bankpräsenz auf den texanischen Markt.

Integrierte digitale und traditionelle Bankerfahrungen

• Mobile-Banking-App mit 275.000 aktiven Nutzern
• Online-Transaktionsvolumen: 1,2 Millionen monatlich
• Digitale Banking-Plattform mit 99,8 % Verfügbarkeit

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Ab dem vierten Quartal 2023 bietet Hilltop Holdings personalisierten Kundenservice über 147 Bankzentren in ganz Texas. Durchschnittliche Kundeninteraktionszeit: 18,5 Minuten pro Kundenkontakt.

Servicekanal	Kundeninteraktionsvolumen	Durchschnittliche Reaktionszeit
Persönliches Banking	72.345 monatliche Interaktionen	12 Minuten
Telefonsupport	45.210 monatliche Interaktionen	7,5 Minuten
Digitale Unterstützung	38.675 monatliche Interaktionen	4,2 Minuten

Digitale Self-Service-Plattformen

Statistiken zur Nutzung digitaler Plattformen für 2023:

• Downloads von Mobile-Banking-Apps: 215.670
• Online-Banking-Nutzer: 387.456
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Beziehungsmanagement für Geschäftskunden

Geschäftskundensegmente und Beziehungskennzahlen:

Geschäftssegment	Gesamtzahl der Kunden	Durchschnittlicher Kontowert
Kleines Unternehmen	12,345	$375,000
Mittelständische Unternehmen	3,210	2,1 Millionen US-Dollar
Firmenkunden	876	15,4 Millionen US-Dollar

Gezielte Finanzberatung

Aufschlüsselung der Finanzberatungsleistungen für 2023:

• Gesamtzahl der Beratungskunden: 24.567
• Durchschnittliches Beratungsvermögen: 487 Millionen US-Dollar
• Einnahmen aus Beratungsdienstleistungen: 42,3 Millionen US-Dollar

Treue- und Bindungsprogramme

Kennzahlen zur Kundenbindung für 2023:

Programmtyp	Einschreibung	Retentionsrate
Persönliche Bankprämien	156.789 Mitglieder	87.5%
Loyalität im Geschäftsbanking	8.765 Mitglieder	92.3%

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2023 betreibt Hilltop Holdings 77 Bankfilialen, hauptsächlich in Texas. Das Filialnetz deckt große Ballungsräume ab, darunter Dallas, Fort Worth und Houston.

Zustand	Anzahl der Filialen	Prozentsatz des gesamten Netzwerks
Texas	77	100%

Online-Banking-Plattform

Die digitale Plattform bedient rund 135.000 aktive Online-Banking-Nutzer mit einer Verfügbarkeitszuverlässigkeit von 98,5 %.

• Digitale Plattform im Jahr 2018 gestartet
• Zu den Sicherheitsfunktionen gehört die Zwei-Faktor-Authentifizierung
• Unterstützt monatlich über 250 digitale Banktransaktionen

Mobile-Banking-Anwendung

Die Mobile-Banking-App hatte im vierten Quartal 2023 87.500 aktive monatliche Nutzer.

Plattform	Laden Sie Count herunter	Benutzerbewertung
iOS	45,200	4.7/5
Android	42,300	4.6/5

Telefonischer Kundensupport

Das Kundensupportcenter bearbeitet monatlich etwa 45.000 Kundeninteraktionen mit einer durchschnittlichen Reaktionszeit von 3,2 Minuten.

• Kundensupport rund um die Uhr verfügbar
• Unterstützung mehrerer Sprachen
• Durchschnittliche Anruflösungsrate: 92 %

Finanzberater von Drittanbietern

Arbeitet mit 215 unabhängigen Finanzberatungsfirmen in ganz Texas zusammen und verwaltet etwa 620 Millionen US-Dollar an vermittelten Vermögenswerten.

Art des Beratungspartners	Anzahl der Partner	Empfohlener Vermögenswert
Unabhängige Firmen	215	620 Millionen Dollar

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Ab 2023 betreut Hilltop Holdings rund 5.600 kleine und mittlere Geschäftskunden in ganz Texas. Die durchschnittliche Kredithöhe für diese Unternehmen beträgt 742.000 US-Dollar.

Unternehmensgrößenkategorie	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Kleinstunternehmen (1-9 Mitarbeiter)	2,350	$215,000
Kleine Unternehmen (10-49 Mitarbeiter)	2,450	$612,000
Mittelständische Unternehmen (50-250 Mitarbeiter)	800	$1,250,000

Privatkunden im Privatkundengeschäft

Hilltop Holdings betreut 123.456 private Privatkunden mit einem durchschnittlichen Einlagenguthaben von 87.500 US-Dollar.

• Alter 18–34: 35 % des Kundenstamms
• Alter 35–54: 42 % des Kundenstamms
• Alter 55+: 23 % des Kundenstamms

Vermögende Privatpersonen

Die Bank verwaltet Vermögenswerte in Höhe von 1,2 Milliarden US-Dollar für vermögende Kunden mit einem durchschnittlichen Kontowert von 3,4 Millionen US-Dollar.

Nettovermögensbereich	Anzahl der Kunden	Gesamtes verwaltetes Vermögen
1 Mio. $ – 5 Mio. $	280	562 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	95	412 Millionen Dollar
10 Mio. USD+	45	226 Millionen Dollar

Gewerbliche Immobilieninvestoren

Hilltop Holdings verfügt über ein Gewerbeimmobilienportfolio im Wert von 2,3 Milliarden US-Dollar mit 187 aktiven Investorenkunden.

• Wohnimmobilien: 850 Millionen US-Dollar
• Kommerzielle Büroflächen: 620 Millionen US-Dollar
• Einzelhandelsimmobilien: 430 Millionen US-Dollar
• Industrieimmobilien: 400 Millionen US-Dollar

Lokale und regionale Marktkunden

Die Bank ist hauptsächlich in Texas tätig und verfügt über 78 Filialen in 42 Landkreisen. Der gesamte Kundenstamm auf dem regionalen Markt beträgt 256.000.

Region	Anzahl der Kunden	Marktdurchdringung
Metroplex Dallas-Fort Worth	112,000	42%
Metropolregion Houston	68,000	29%
Andere Regionen in Texas	76,000	29%

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Kostenstruktur

Gehälter und Vergütung der Mitarbeiter

Für das Geschäftsjahr 2023 meldete Hilltop Holdings einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 219,3 Millionen US-Dollar.

Vergütungskategorie	Betrag ($)
Grundgehälter	142,500,000
Leistungsprämien	36,800,000
Aktienbasierte Vergütung	40,000,000

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur für Hilltop Holdings beliefen sich im Jahr 2023 auf insgesamt 47,6 Millionen US-Dollar.

• Wartung der IT-Systeme: 22,3 Millionen US-Dollar
• Investitionen in Cybersicherheit: 12,5 Millionen US-Dollar
• Upgrades der digitalen Plattform: 12,8 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Kosten beliefen sich im Jahr 2023 auf 34,2 Millionen US-Dollar.

Compliance-Kategorie	Betrag ($)
Rechts- und Regulierungsberatung	15,600,000
Compliance-Software und -Tools	8,700,000
Schulung und Zertifizierung	9,900,000

Kosten für Marketing und Kundenakquise

Die Marketingausgaben für Hilltop Holdings beliefen sich im Jahr 2023 auf 28,5 Millionen US-Dollar.

• Digitales Marketing: 12,3 Millionen US-Dollar
• Traditionelle Werbung: 8,7 Millionen US-Dollar
• Kampagnen zur Kundenakquise: 7,5 Millionen US-Dollar

Filialbetrieb und Betrieb digitaler Plattformen

Die Betriebskosten für Filialen und digitale Plattformen beliefen sich im Jahr 2023 auf 63,4 Millionen US-Dollar.

Betriebskategorie	Betrag ($)
Wartung physischer Zweigstellen	38,600,000
Betriebskosten der digitalen Plattform	24,800,000

Hilltop Holdings Inc. (HTH) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Für das Geschäftsjahr 2023 meldete Hilltop Holdings einen Nettozinsertrag von 494,7 Millionen US-Dollar. Die gesamten Zinserträge aus Darlehen beliefen sich auf 802,4 Millionen US-Dollar, wovon 187,6 Millionen US-Dollar auf Hypothekenzinsen entfielen.

Umsatzkategorie	Betrag (in Millionen US-Dollar)	Prozentsatz der Gesamtsumme
Gesamter Zinsertrag	802.4	100%
Hypothekenzinsen	187.6	23.4%
Kommerzielle Darlehenszinsen	414.8	51.7%

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 132,5 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 47,3 Millionen US-Dollar
• Transaktionsgebühren: 58,9 Millionen US-Dollar
• Überziehungsgebühren: 26,3 Millionen US-Dollar

Provisionen für die Anlageverwaltung

Die Erträge aus der Anlageverwaltung erreichten im Jahr 2023 76,2 Millionen US-Dollar, mit:

Anlagetyp	Provisionseinnahmen (in Millionen US-Dollar)
Vermögensverwaltung	45.6
Institutionelle Investitionen	30.6

Gebühren für Finanzberatungsdienste

Finanzberatungsdienste erwirtschafteten im Jahr 2023 einen Umsatz von 63,4 Millionen US-Dollar, darunter:

• Unternehmensberatungsdienste: 38,7 Millionen US-Dollar
• Individuelle Finanzplanung: 24,7 Millionen US-Dollar

Einnahmen aus digitalen Banktransaktionen

Digitale Banktransaktionen trugen im Jahr 2023 41,8 Millionen US-Dollar zum Umsatz bei, mit:

Digitaler Service	Umsatz (Millionen US-Dollar)
Online-Banking-Transaktionen	22.6
Mobile Banking-Transaktionen	19.2

Hilltop Holdings Inc. (HTH) - Canvas Business Model: Value Propositions

You're looking at the core value Hilltop Holdings Inc. (HTH) delivers across its diversified financial services platform as of late 2025. It's about balancing steady banking income with higher-margin fee-based services, which is key to its holding company structure.

Diversified financial services model that balances interest income with fee income.

The model shows a clear reliance on non-interest income, which outpaced net interest income in the third quarter of 2025. This diversification helps smooth out earnings when interest rate cycles shift. For the third quarter of 2025, Hilltop Holdings posted total revenues of $330.2 million, marking a 7.5% year-on-year increase.

Here's the quick math on the income mix for Q3 2025:

Income Component	Q3 2025 Amount	Year-over-Year Change
Net Interest Income (NII)	$112.4 million	7% growth
Total Noninterest Income	$217.8 million	8.7% increase

The broker-dealer segment, HilltopSecurities, was a strong fee earner, generating net revenues of $144.5 million in Q3 2025.

Full-service commercial banking and treasury management for Texas businesses.

PlainsCapital Bank serves as the financial cornerstone, driving core banking performance. In the third quarter of 2025, this segment generated $55 million in pre-tax income. The bank is actively growing its balance sheet, with net loans held for investment, net of allowance for credit losses, at $7.8 billion as of September 30, 2025. Total deposits stood at $10.7 billion at that date, reflecting a 2.7% sequential increase. The Net Interest Margin (NIM) for the quarter was 3.1%. Management projected full-year average bank loan growth for 2025 to be between 2% and 5%.

National residential mortgage origination with a reported customer satisfaction rating.

The mortgage origination business, primarily through PrimeLending, provides national reach but faced near-term headwinds. Origination production volume for Q3 2025 was $2.3 billion, flat compared to Q3 2024. Operationally, the segment posted a pre-tax loss of $7 million in Q3 2025. However, the value proposition around execution is evident in the margins on sold loans; net gains from mortgage loans sold to third parties, including broker fee income, improved to 239 basis points in Q3 2025. While the requested 96% customer satisfaction figure wasn't found, the broader J.D. Power 2025 U.S. Mortgage Origination Satisfaction Study noted that overall customer satisfaction with mortgage lenders was 760 on a 1,000-point scale.

Key mortgage segment metrics for Q3 2025:

• Mortgage loan origination volume: $2.3 billion.
• PrimeLending pre-tax result: $7 million loss.
• Net gains on sale margin: 239 basis points.

Leading municipal investment banking and public finance expertise.

HilltopSecurities' Public Finance division is a recognized leader, consistently ranking high for its advisory role. For the past year ending December 31, 2023, the division was ranked as the No. 2 municipal advisory firm nationwide based on the number of issues. This expertise translated to strong recent financial performance, with Public Finance Services achieving a 28% year-over-year increase in net revenues in Q3 2025. This follows a 34% YoY rise in net revenues on 11% more offerings in Q1 2025.

Financial stability and strong capital position as a holding company.

HTH maintains a strong capital structure that supports its operations and shareholder returns. As of September 30, 2025, total assets were $15.6 billion. The holding company demonstrated solid profitability ratios for Q3 2025, with a return on average assets of 1.20% and a return on average stockholders' equity of 8.35%. Efficiency is also a focus, with the reported efficiency ratio at 51.7%, significantly better than analyst forecasts of 84.1% for the quarter. Capital strength is underscored by the following ratios as of September 30, 2025:

• Tangible Book Value per Common Share: $35.69 (a 21.9% YoY increase).
• Common Equity Tier 1 (CET1) Capital Ratio: 20.33%.
• Total Capital Ratio: 22.90%.

The company returned $66 million to stockholders in Q3 2025 via $11 million in dividends and $55 million in share repurchases.

Finance: draft 13-week cash view by Friday.

Hilltop Holdings Inc. (HTH) - Canvas Business Model: Customer Relationships

You're looking at how Hilltop Holdings Inc. structures its interactions with its diverse client base across banking, securities, and mortgage services as of late 2025. The approach is clearly segmented, moving from highly personal service for high-value clients to efficient digital channels for transactional needs.

Dedicated relationship managers for commercial and private banking clients.

For commercial and private banking clients through PlainsCapital Bank, the model emphasizes a high-touch, single point of contact approach, consistent with its identity as a relationship-driven banking leader in Texas. While the exact count of dedicated relationship managers isn't public, the overall human capital supporting the client base is substantial. At March 31, 2025, Hilltop Holdings employed approximately 3,640 people across its operations. PlainsCapital Bank itself operates with a statewide presence, having approximately 55 locations as of 2025, which serve as hubs for these personalized banking relationships.

The banking segment's focus on this relationship model supports its balance sheet, which held total deposits of $11.3 billion as of December 31, 2024.

High-touch, consultative advisory services for HilltopSecurities' institutional and wealth clients.

HilltopSecurities Inc. provides its institutional and wealth clients with advisory services, which is reflected in the segment's financial scale. As of December 31, 2024, the broker-dealer segment had total assets of $2.8 billion and reported net capital of $264.2 million. The firm's leadership brings decades of experience to offer guidance based on a holistic view of the financial landscapes.

The firm's structure supports specialized client service through various groups, including:

• Wealth Management
• Capital Markets
• Structured Finance
• Public Finance

Standardized, yet personalized, service for high-volume mortgage origination customers.

PrimeLending manages high-volume mortgage origination with a focus on efficiency, which is evident in its operational metrics. For the first quarter of 2025, mortgage loan origination production volume was $1.7 billion. The use of digital platforms is key to standardizing the process while maintaining speed for the customer.

Key performance indicators related to digital efficiency for PrimeLending include:

Metric	Value (Q1 2025 or latest available)
Loans Closed on Blue Sage Platform (Cumulative)	Over 250,000
Faster Closing Timeline Improvement	27 percent
Faster Submission-to-Underwriting Improvement	58 percent

Digital self-service options for routine banking transactions.

The broader trend in lending, which Hilltop Holdings' PrimeLending participates in, shows a strong shift to digital channels. This indicates that for routine transactions, self-service is a primary customer preference. In the digital lending space generally for 2025, mobile apps account for 78% of transactions, emphasizing the need for mobile-first design.

The company's overall commitment to its community, which underpins trust in its digital offerings, included a contribution of $3.9 million in donations in 2024.

The overall financial strength supporting these relationship models is shown by the company's tangible book value per share reaching $30.02 as of March 31, 2025.

Hilltop Holdings Inc. (HTH) - Canvas Business Model: Channels

You're mapping out the distribution strategy for Hilltop Holdings Inc., which relies on a multi-faceted approach across its three main subsidiaries. The channels are a mix of traditional physical presence and modern digital reach.

PlainsCapital Bank's physical branch network serves as the core for its Texas-centric commercial and consumer banking. This channel is deeply rooted in local markets across the Lone Star State.

PrimeLending utilizes a broad national structure to reach mortgage customers. This includes direct interaction through retail offices, partnerships via wholesale channels, and correspondent banking relationships.

HilltopSecurities distributes its institutional sales and wealth management services through a national network of offices and desks, serving institutional investors and individuals across the country.

Digital channels are integrated across the group. PrimeLending, for instance, has seen significant results from its technology partnerships.

Here's a quick look at the scale of these distribution points as of late 2025 data available:

Channel Component	Subsidiary	Metric	Value (as of late 2025/closest date)
Physical Branch Network	PlainsCapital Bank	Texas Branch Locations	55 locations as of 2025
National Footprint (Consolidated)	Hilltop Holdings Inc.	Total Locations (June 30, 2025)	309 locations in 47 states
National Footprint (Consolidated)	Hilltop Holdings Inc.	Total Locations (March 31, 2025)	316 locations in 47 states
Institutional/Wealth Offices	HilltopSecurities	Approximate Offices (December 2024)	Approximately 40 offices in the United States
Loan Officer Scale	PrimeLending	Number of Loan Officers	Approximately 1,250 loan officers
Digital Channel Performance	PrimeLending	Loans Closed on Blue Sage Platform	Over 250,000 loans

The physical presence for PlainsCapital Bank is concentrated, focusing on relationship banking within Texas markets such as:

• Austin
• The Coastal Bend
• Dallas
• Fort Worth
• Houston
• Lubbock
• The Rio Grande Valley
• San Antonio

PrimeLending's national reach is supported by its personnel structure, which includes:

• Retail origination channel
• Wholesale origination channel
• Correspondent origination channel

HilltopSecurities' distribution for institutional sales desks and wealth management covers services including:

• Capital markets
• Public finance
• Retail brokerage
• Structured finance
• Securities clearing services

Digital adoption is evident in PrimeLending's use of technology to streamline processes. The partnership on the Blue Sage Digital Lending Platform resulted in specific efficiency gains:

• 27 percent faster closing timeline
• 58 percent faster submission-to-underwriting

For consumer and business clients of PlainsCapital Bank, digital access is a supporting channel, though the primary banking channel remains physical. The overall company footprint as of mid-2025 spanned operations in 47 states.

Finance: review Q3 2025 digital adoption metrics for PlainsCapital Bank by end of Q4.

Hilltop Holdings Inc. (HTH) - Canvas Business Model: Customer Segments

You're looking at the client base for Hilltop Holdings Inc. as of late 2025. Here are the hard numbers tied to the distinct groups they serve across their banking, mortgage, and broker-dealer subsidiaries.

Small-to-mid-sized businesses (SMBs) and commercial real estate investors in Texas

This group is the core of the PlainsCapital Bank segment. The loan portfolio is described as primarily Texas-concentrated. For the third quarter of 2025, the Banking segment generated income before taxes of $54.7 million. At September 30, 2025, Hilltop Holdings' total assets stood at $15.61 billion. Loans held for investment, net of allowance for credit losses, were $8.13 billion at that same date.

Here is a snapshot of the scale of the banking operation:

Metric (As of September 30, 2025)	Amount
Total Assets	$15.61 billion
Loans Held for Investment (Net)	$8.13 billion
Total Deposits	$10.68 billion
PlainsCapital Bank Pre-Tax Income (Q3 2025)	$54.7 million

High-net-worth individuals and families seeking wealth management and private banking

These clients are served through the Wealth Management area within HilltopSecurities. In the first quarter of 2025, the Public Finance/Wealth group outperformed at HilltopSecurities. The firm's overall employee count was approximately 3,640 people across 316 locations in 47 states as of March 31, 2025.

Homebuyers and homeowners across the U.S. seeking purchase or refinance mortgages

PrimeLending handles residential mortgage lending throughout the United States. Mortgage loan origination production volume for the third quarter of 2025 was $2.3 billion. For the first quarter of 2025, the origination volume was $1.7 billion. In the third quarter of 2025, home purchase volume accounted for 88% of the total origination volume.

The mortgage segment's production volume figures:

• Origination Volume (Q3 2025): $2.3 billion
• Origination Volume (Q1 2025): $1.7 billion
• Home Purchase Share (Q3 2025): 88% of volume

U.S. municipalities, public entities, and institutional investors (HilltopSecurities)

HilltopSecurities is a full-service municipal investment bank serving these groups. Public Finance net revenues saw a 34% year-over-year increase in the first quarter of 2025. For the nine months year-to-date ending September 30, 2025, Public Finance net revenues were up 28% to $93.7 million. The broker-dealer segment generated income before taxes of $26.5 million in Q3 2025.

Key financial metrics for the broker-dealer segment in Q3 2025:

• Broker-Dealer Income Before Taxes: $26.5 million
• Public Finance Net Revenues YTD (2025): $93.7 million
• Public Finance Net Revenue Growth (Q1 2025 YoY): 34%

Hilltop Holdings Inc. (HTH) - Canvas Business Model: Cost Structure

You're looking at the expense side of Hilltop Holdings Inc. (HTH), which is heavily influenced by its core banking and mortgage operations. For a financial holding company like Hilltop, the cost structure is dominated by personnel, the cost of funding its balance sheet, and the operational overhead to run its diverse subsidiaries.

Personnel costs are significant. As of the third quarter of 2025, Hilltop Holdings had approximately 3,646 total employees. This workforce supports PlainsCapital Bank, PrimeLending, and HilltopSecurities. You see the impact of this compensation in the tax line, as the effective tax rate for Q3 2025 was higher than the statutory rate primarily due to the impact of nondeductible compensation expense.

Interest expense on deposits and borrowed funds is a major cost driver, especially in the banking segment. While the specific interest expense isn't broken out, we know that Net Interest Income (NII) for Q3 2025 was $112.4 million, an increase of 7% year over year. Management noted ongoing work to optimize the cost of deposits, which is key since the Federal Reserve continued lowering short-term interest rates during the quarter.

Noninterest expenses aggregate the operational costs across the enterprise. For the third quarter of 2025, total non-interest expenses rose 2.9% from the prior-year quarter to $271.9 million. This total masks segment differences: the banking segment actually saw a decrease in noninterest expense, whereas the broker-dealer segment experienced an increase in noninterest expenses. These costs cover everything from the physical footprint of PlainsCapital Bank's 55 branch locations in Texas to the technology infrastructure supporting national mortgage origination through PrimeLending.

Credit quality costs, or the provision for credit losses, were favorable in the third quarter of 2025. Hilltop Holdings recorded a net reversal of credit losses of $2.5 million for the quarter. This reversal compares favorably to the $1.3 million reversal recorded in the third quarter of 2024. This positive movement was primarily driven by an improvement in asset quality across the portfolio.

Here's a quick look at some of those key cost-related metrics from the Q3 2025 results:

Cost Component Category	Q3 2025 Amount/Metric	Comparison/Context
Total Non-Interest Expenses	$271.9 million	Rose 2.9% from prior-year quarter
Net Interest Income (NII)	$112.4 million	Increased 7% year over year
Provision for Credit Losses (Net)	$2.5 million reversal	Compared to $1.3 million reversal in Q3 2024
Total Employees (as of 9/30/2025)	3,646	Supports compensation and benefits costs

The cost structure is clearly sensitive to interest rate environments, given the reliance on deposits for funding, and to the health of the loan book, as seen by the credit loss reversal. You've got a large fixed cost base in personnel, which is why management is prioritizing expense cuts at PrimeLending where mortgage origination volumes were weak.

• Compensation expense is a major component, evidenced by the impact of nondeductible compensation expense on the effective tax rate.
• The cost of funding is managed through optimizing deposit costs, even as NII grew to $112.4 million in Q3 2025.
• Non-interest expenses totaled $271.9 million in Q3 2025, with the banking segment seeing a decrease but the broker-dealer segment seeing an increase.
• Credit costs provided a benefit, with a $2.5 million net reversal of provision for credit losses.

Finance: draft the Q4 2025 expense projection by end of next week, focusing on the expected impact of PrimeLending expense cuts.

Hilltop Holdings Inc. (HTH) - Canvas Business Model: Revenue Streams

You're looking at the hard numbers for Hilltop Holdings Inc. (HTH) revenue streams as of late 2025, based on the latest reported figures.

The overall top-line performance shows momentum; Total revenue for the trailing twelve months ending Q3 2025 was approximately $1.26 billion. This TTM figure reflects growth of 7.66% year-over-year.

Revenue generation is clearly segmented across the core businesses:

• Net interest income (NII) from PlainsCapital Bank's loan and investment portfolios is a primary driver.
• Net gains from the sale of mortgage loans and origination fees come from PrimeLending.
• Fee income is generated by HilltopSecurities through investment banking, underwriting, and advisory services.
• Wealth management advisory and brokerage commissions contribute to the fee income base.

Here's a breakdown of the key components contributing to the Q3 2025 results, which inform the current revenue profile:

Revenue Source / Segment	Q3 2025 Financial Metric	Amount / Value
PlainsCapital Bank (Pre-Tax Income)	Pre-tax income generated	$55 million
PlainsCapital Bank (NII)	Net interest income	$112.4 million
PrimeLending	Net gains from sale of loans and origination fees	$76.6 million
PrimeLending	Pre-tax operating result	$7 million loss
HilltopSecurities	Net revenues	$144 million
HilltopSecurities	Pre-tax margin	18%

The banking segment, PlainsCapital Bank, showed strength with NII increasing 7% year-over-year in Q3 2025. The net interest margin (NIM) for the quarter was reported at 3.1%.

For the mortgage origination business, PrimeLending, net gains from the sale of loans and other mortgage production income and mortgage loan origination fees for the third quarter of 2025 were $76.6 million, a 4.2% decrease from Q3 2024. Despite this, mortgage loan origination production volume was flat year-over-year at $2.3 billion for Q3 2025. The segment posted a pre-tax loss of $7 million for the quarter.

The broker-dealer segment, HilltopSecurities, delivered robust results, achieving net revenues of $144 million with a pre-tax margin of 18% in the third quarter of 2025. This strength across all business lines, including wealth management, drove broad-based fee growth.

For Q3 2025 specifically, Hilltop Holdings reported total net revenue of approximately $332.7 million. Non-interest income for the quarter was $217.8 million, up 8.7% year-over-year.

Finance: draft 13-week cash view by Friday.