Hilltop HoldingsHTH 61 PB Ratio is 1.06 as of Jul. 01, 2026, which is 8% above its 10-year median of 0.98. GuruFocus rates HTH with a GF Score™ of 61/100 and a GF Value™ of $35.40 (Fairly Valued). The stock has 6 warning signs investors should review. Among 475 Diversified Financial Services companies, Hilltop Holdings ranks better than 75.37% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-01), Hilltop Holdings's share price is $38.78. Hilltop Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was $36.63. Hence, Hilltop Holdings's PB Ratio of today is 1.06.
Warning Sign:
Hilltop Holdings Inc stock PB Ratio (=1.06) is close to 3-year high of 1.1.
The historical rank and industry rank for Hilltop Holdings's PB Ratio or its related term are showing as below:
HTH'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 0.98 Max: 1.59
Current: 1.06
During the past 13 years, Hilltop Holdings's highest PB Ratio was 1.59. The lowest was 0.57. And the median was 0.98.
HTH's PB Ratio is ranked better than 75.37% of 475
companies
in the Diversified Financial Services industry
Industry Median: 1.38
vs HTH: 1.06
During the past 12 months, Hilltop Holdings's average Book Value Per Share Growth Rate was 6.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Hilltop Holdings was 60.80% per year. The lowest was -8.20% per year. And the median was 7.85% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Hilltop Holdings PB Ratio Related Terms
Hilltop Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Hilltop Holdings's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Financial Conglomerates subindustry, Hilltop Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hilltop Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Hilltop Holdings (HTH) has a PB Ratio of 1.06 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hilltop Holdings and its competitors. This is near median its historical median of 0.98. Over the past decade, Hilltop Holdings' PB Ratio has ranged from 0.57 to 1.59. According to the industry distribution chart, Hilltop Holdings ranks #117 out of 475 companies in the Diversified Financial Services industry, placing it in the top 24.6%.
Is Hilltop Holdings' PB Ratio too high?
Hilltop Holdings' current PB Ratio of 1.06 is near median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.59. The Diversified Financial Services industry median PB Ratio is 1.38. Hilltop Holdings' value of 1.06 is 23.2% below this industry median. Based on the distribution chart, Hilltop Holdings ranks #117 out of 475 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 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hilltop Holdings' PB Ratio compare to TMS and TREE?
According to the Diversified Financial Services industry distribution chart, Hilltop Holdings ranks #117 out of 475 companies for PB Ratio. This places Hilltop Holdings in the top 25% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.38. Hilltop Holdings' value of 1.06 is 23.2% below this benchmark. Historically, Hilltop Holdings' own PB Ratio has ranged from 0.57 to 1.59 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 1.38, Hilltop Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Diversified Financial Services company?
The median PB Ratio among Diversified Financial Services companies is 1.38, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hilltop Holdings's current PB Ratio of 1.06 is 23.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hilltop Holdings and its competitors. For the Diversified Financial Services industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hilltop Holdings's current PB Ratio is 1.06, which is near median its own 10-year median of 0.98. 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 Fairly Valued. The stock's GF Value™ is $35.40, compared to a current price of $38.78 — trading 9.5% above its estimated fair value. The current PB Ratio is 1.06, which is near median its 10-year median of 0.98 and 23.2% below the Diversified Financial Services industry median of 1.38. Hilltop Holdings' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current PB Ratio is 1.06 as of Jul. 01, 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 $38.78 is trading 9.5% above its estimated GF Value™ of $35.40.
GuruFocus considers Hilltop Holdings to be Fairly Valued.
Key valuation signals for HTH:
PB Ratio: 1.06 (near median its 10-year median of 0.98)
GF Value™: $35.40 vs. price of $38.78 (9.5% above fair value)
Industry Position: 23.2% below the Diversified Financial Services median (#117 of 475)
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 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.
61GF Score
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