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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

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Date of Report (Date of earliest event reported): July 24, 2025

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Hilltop Holdings Inc.

(Exact name of registrant as specified in its charter)

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Maryland | ​ | 1-31987 | ​ | 84-1477939
(State or other jurisdiction of incorporation) | ​ | (Commission File Number) | ​ | (IRS Employer Identification No.)

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​ | ​ | ​
6565 Hillcrest Avenue | ​ | ​
Dallas, Texas | ​ | 75205
(Address of principal executive offices) | ​ | (Zip Code)

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Registrant’s telephone number, including area code: (214) 855-2177

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(Former name or former address, if changed since last report.)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

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☐ | Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to section 12(b) of the Act:

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| ​ |  | ​ |
Title of each class | ​ | Trading symbol | ​ | Name of each exchange on which registered
Common Stock, par value $0.01 per share | ​ | HTH | ​ | New York Stock Exchange

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b–2 of the Securities Exchange Act of 1934.

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Section 2 – Financial Information

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Item 2.02 Results of Operations and Financial Condition.

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A copy of the Earnings Presentation of Hilltop Holdings Inc., or the Company, for the quarter ended June 30, 2025 is set forth in Exhibit 99.1 attached to this Current Report on Form 8-K and is incorporated herein by reference. The Company intends to use the Earnings Presentation, in whole or in part, in one or more meetings with investors or analysts, including in a webcast on July 25, 2025 at 8:00 a.m. (central time).

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The information in this Item (including Exhibit 99.1) is being furnished pursuant to Item 2.02 and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as expressly set forth in such filing.

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Section 9 – Financial Statements and Exhibits

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Item 9.01 Financial Statements and Exhibits.

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(a)Financial statements of businesses acquired.

Not applicable.

| (b) | Pro forma financial information.

Not applicable.

| (c) | Shell company transactions.

Not applicable.

| (d) | Exhibits.

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The following exhibit(s) are filed or furnished, depending on the relevant item requiring such exhibit, in accordance with the provisions of Item 601 of Regulation S-K and Instruction B.2 to this form.

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​ ​ | ​ | ​ ​
Exhibit Number | ​ | ​ Description of Exhibit
​ 99.1 | ​ | ​ Second Quarter 2025 Earnings Presentation (furnished pursuant to Item 2.02).
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104 | ​ | Cover Page Interactive File (formatted as Inline XBRL).

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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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​ | ​ | ​ | ​
​ | ​ | Hilltop Holdings Inc.,
​ | ​ | a Maryland corporation
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Date: | July 24, 2025 | By: | /s/ COREY PRESTIDGE
​ | ​ | Name: | Corey G. Prestidge
​ | ​ | Title: | Executive Vice President,
​ | ​ | ​ | General Counsel & Secretary

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