HTH (Hilltop Holdings) Moat Score: 3/10 (As of Jun. 27, 2026)


HTH Hilltop Holdings Inc HTH
60 GF Score
Price $39.94
GF Value $35.40
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Hilltop Holdings Moat Score?

Hilltop Holdings HTH +1.34% 60 Moat Score is 3 as of Jun. 27, 2026. GuruFocus rates HTH with a GF Score™ of 60/100 and a GF Value™ of $35.40 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 593 Diversified Financial Services companies, Hilltop Holdings ranks better than 97.98% on this metric.

Hilltop Holdings has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Hilltop Holdings has No Moat: Hilltop Holdings Inc has limited competitive advantages. It lacks significant market leadership, network effects, or strong brand loyalty. The company does not possess valuable intellectual property or significant regulatory barriers. Its cost advantages and pricing power are not substantial enough to create a durable moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hilltop Holdings might have No Moat - Very weak/transient advantages.

Hilltop Holdings  (NYSE:HTH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hilltop Holdings Moat Score Related Terms

HTH vs TREE, RILY, VOYA: Moat Score Comparison

For the Financial Conglomerates subindustry, Hilltop Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Hilltop Holdings Moat Score vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Hilltop Holdings's Moat Score falls into.


HTH
60GF Score
Hilltop Holdings Inc HTH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Hilltop Holdings (HTH) has a Moat Score of 3 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Hilltop Holdings ranks #12 out of 593 companies in the Diversified Financial Services industry, placing it in the top 2%.
Is Hilltop Holdings' Moat Score too high?
Hilltop Holdings' current Moat Score is 3. Based on the distribution chart, Hilltop Holdings ranks #12 out of 593 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Hilltop Holdings has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hilltop Holdings' Moat Score compare to TREE and RILY?
According to the Diversified Financial Services industry distribution chart, Hilltop Holdings ranks #12 out of 593 companies for Moat Score. This places Hilltop Holdings in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Diversified Financial Services company?
A good Moat Score depends on the Diversified Financial Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Hilltop Holdings's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hilltop Holdings stock overvalued right now?
Based on GuruFocus' analysis, Hilltop Holdings (HTH) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.40, compared to a current price of $39.94 — trading 12.8% above its estimated fair value. The current Moat Score is 3. Hilltop Holdings' overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current Moat Score is 3 as of Jun. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Hilltop Holdings (HTH) Overvalued in 2026?

Based on GuruFocus' analysis, Hilltop Holdings stock appears to be overvalued. The current stock price of $39.94 is trading 12.8% above its estimated GF Value™ of $35.40. GuruFocus considers Hilltop Holdings to be Modestly Overvalued.

Key valuation signals for HTH:

  • Moat Score: 3
  • GF Value™: $35.40 vs. price of $39.94 (12.8% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the HTH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hilltop Holdings Business Description

Other Exchanges WXF:Germany
Address 6565 Hillcrest Avenue, Dallas, TX, USA, 75205
Hilltop Holdings Inc is a Dallas-based financial holding company. The company has three segments: The banking segment includes the operations of the Bank; The broker-dealer segment includes the operations of Securities Holdings,; and the mortgage origination segment is composed of PrimeLending. Majority of revenue is from Broker-dealer Segment.
60GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.94
Price
$35.40
GF Value