Hilltop HoldingsHTH -1.65%61 5-Year Yield-on-Cost % is 3.89 as of Jul. 08, 2026, which is 21% above its 10-year median of 3.22. GuruFocus rates HTH with a GF Score™ of 61/100 and a GF Value™ of $35.45 (Fairly Valued). The stock has 6 warning signs investors should review. Among 47 Diversified Financial Services companies, Hilltop Holdings ranks worse than 57.45% on this metric.
Hilltop Holdings's yield on cost for the quarter that ended in Mar. 2026 was 3.89.
The historical rank and industry rank for Hilltop Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
HTH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.39 Med: 3.22 Max: 4.81
Current: 3.89
During the past 13 years, Hilltop Holdings's highest Yield on Cost was 4.81. The lowest was 0.39. And the median was 3.22.
HTH's 5-Year Yield-on-Cost % is ranked worse than 57.45% of 47
companies
in the Diversified Financial Services industry
Industry Median: 4.21
vs HTH: 3.89
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Hilltop Holdings 5-Year Yield-on-Cost % Related Terms
HTH vs TMS, TREE, RILY: 5-Year Yield-on-Cost % Comparison
For the Financial Conglomerates subindustry, Hilltop Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Hilltop Holdings's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Hilltop Holdings (HTH) has a 5-Year Yield-on-Cost % of 3.89 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Hilltop Holdings and its competitors. This is 21% above median its historical median of 3.22. Over the past decade, Hilltop Holdings' 5-Year Yield-on-Cost % has ranged from 0.39 to 4.81. According to the industry distribution chart, Hilltop Holdings ranks #27 out of 47 companies in the Diversified Financial Services industry, placing it in the top 57.4%.
Is Hilltop Holdings' 5-Year Yield-on-Cost % too high?
Hilltop Holdings' current 5-Year Yield-on-Cost % of 3.89 is 21% above median its 10-year median of 3.22. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 4.81. The Diversified Financial Services industry median 5-Year Yield-on-Cost % is 4.21. Hilltop Holdings' value of 3.89 is 7.6% below this industry median. Based on the distribution chart, Hilltop Holdings ranks #27 out of 47 companies in the Diversified Financial Services industry, which is below the industry midpoint. 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' 5-Year Yield-on-Cost % compare to TMS and TREE?
According to the Diversified Financial Services industry distribution chart, Hilltop Holdings ranks #27 out of 47 companies for 5-Year Yield-on-Cost %. This places Hilltop Holdings in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.21. Hilltop Holdings' value of 3.89 is 7.6% below this benchmark. Historically, Hilltop Holdings' own 5-Year Yield-on-Cost % has ranged from 0.39 to 4.81 over the past decade. While the company's 10-year median is 3.22 vs. the industry median of 4.21, 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 5-Year Yield-on-Cost % for a Diversified Financial Services company?
The median 5-Year Yield-on-Cost % among Diversified Financial Services companies is 4.21, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hilltop Holdings's current 5-Year Yield-on-Cost % of 3.89 is 7.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Hilltop Holdings and its competitors. For the Diversified Financial Services industry, the median 5-Year Yield-on-Cost % is 4.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hilltop Holdings's current 5-Year Yield-on-Cost % is 3.89, which is 21% above median its own 10-year median of 3.22. 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 $35.45, compared to a current price of $37.85 — trading 6.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.89, which is 21% above median its 10-year median of 3.22 and 7.6% below the Diversified Financial Services industry median of 4.21. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current 5-Year Yield-on-Cost % is 3.89 as of Jul. 08, 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 $37.85 is trading 6.8% above its estimated GF Value™ of $35.45.
GuruFocus considers Hilltop Holdings to be Fairly Valued.
Key valuation signals for HTH:
5-Year Yield-on-Cost %: 3.89 (21% above median its 10-year median of 3.22)
GF Value™: $35.45 vs. price of $37.85 (6.8% above fair value)
Industry Position: 7.6% below the Diversified Financial Services median (#27 of 47)
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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