Hilltop Holdings Inc. (HTH) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

zero for the operator this call is being recorded on friday january 30 2026 and i would like to turn the conference over to mr matt dunn thank you please go ahead thank you before we get started please note that certain statements during today's presentation that are not statements of historical fact including statements concerning such items as our outlook business strategy future plans financial condition credit risks and trends in credit allowance for credit losses, liquidity and sources of funding, funding costs, dividends, stock repurchases, subsequent events, and impacts of interest rate changes, as well as such other items referenced in the preface of our presentation are forward-looking statements. These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and uncertainties. Our actual results, capital, liquidity, and financial condition may differ materially from these statements due to a variety of factors, including the precautionary statements referenced in the preface of our presentation and those included in our most recent annual and quarterly reports filed with the SEC. Please note that certain information presented is preliminary and based upon data available at this time. Except to the extent required by law, we expressly disclaim any obligation to update earlier statements as a result of new information. Additionally, this presentation includes certain non-GAAP measures, including tangible common equity and tangible book value per share. A reconciliation of these measures to the nearest GAAP measure may be found in the appendix to this presentation, which is posted on our website at ir.hilltop.com. I'll now turn the presentation over to Jeremy Ford. Thank you, Matt, and good ...