Is Hilltop Holdings, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for Hilltop Holdings, Inc. has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 15, a price-to-book value of 0.87, and an EV to EBITDA ratio of 3.18, all of which suggest that the stock is trading at a discount compared to its intrinsic value.
In comparison to peers, Hilltop Holdings has a P/E ratio of 15.45, which is lower than Atlantic Union Bankshares Corp. at 17.24 and Independent Bank Corp. at 18.40, indicating a more favorable valuation. Additionally, while Hilltop's PEG ratio stands at 1.00, it is notably lower than the industry average, reinforcing its attractiveness. Despite recent underperformance against the S&P 500 over the 1-week, 1-month, and 1-year periods, the year-to-date return of 15.75% suggests that the stock has outperformed the benchmark, aligning with its undervalued status.