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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.93
HALL's Cash-to-Debt is ranked lower than
65% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. HALL: 0.93 )
Ranked among companies with meaningful Cash-to-Debt only.
HALL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.4  Med: 1.89 Max: No Debt
Current: 0.93
Equity-to-Asset 0.23
HALL's Equity-to-Asset is ranked lower than
63% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. HALL: 0.23 )
Ranked among companies with meaningful Equity-to-Asset only.
HALL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.28 Max: 0.94
Current: 0.23
0.1
0.94
Interest Coverage 1.86
HALL's Interest Coverage is ranked lower than
95% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. HALL: 1.86 )
Ranked among companies with meaningful Interest Coverage only.
HALL' s Interest Coverage Range Over the Past 10 Years
Min: 0.73  Med: 4.1 Max: 10.67
Current: 1.86
0.73
10.67
WACC vs ROIC
6.66%
2.48%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 2.26
HALL's Operating Margin % is ranked lower than
80% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. HALL: 2.26 )
Ranked among companies with meaningful Operating Margin % only.
HALL' s Operating Margin % Range Over the Past 10 Years
Min: -6.13  Med: 4.21 Max: 15.18
Current: 2.26
-6.13
15.18
Net Margin % 1.74
HALL's Net Margin % is ranked lower than
81% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.16 vs. HALL: 1.74 )
Ranked among companies with meaningful Net Margin % only.
HALL' s Net Margin % Range Over the Past 10 Years
Min: -3.37  Med: 3.2 Max: 10.13
Current: 1.74
-3.37
10.13
ROE % 2.45
HALL's ROE % is ranked lower than
82% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. HALL: 2.45 )
Ranked among companies with meaningful ROE % only.
HALL' s ROE % Range Over the Past 10 Years
Min: -4.83  Med: 4.54 Max: 16.87
Current: 2.45
-4.83
16.87
ROA % 0.58
HALL's ROA % is ranked lower than
84% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.21 vs. HALL: 0.58 )
Ranked among companies with meaningful ROA % only.
HALL' s ROA % Range Over the Past 10 Years
Min: -1.47  Med: 1.25 Max: 5.45
Current: 0.58
-1.47
5.45
3-Year Revenue Growth Rate -0.40
HALL's 3-Year Revenue Growth Rate is ranked lower than
77% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.60 vs. HALL: -0.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HALL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -31.2  Med: 7 Max: 295.7
Current: -0.4
-31.2
295.7
3-Year EBITDA Growth Rate -4.70
HALL's 3-Year EBITDA Growth Rate is ranked lower than
61% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. HALL: -4.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HALL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.7 Max: 71.8
Current: -4.7
0
71.8
3-Year EPS without NRI Growth Rate -7.50
HALL's 3-Year EPS without NRI Growth Rate is ranked lower than
63% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. HALL: -7.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HALL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -7.05 Max: 84.5
Current: -7.5
0
84.5
GuruFocus has detected 1 Warning Sign with Hallmark Financial Services Inc $HALL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HALL's 10-Y Financials

Financials (Next Earnings Date: 2017-08-08 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

HALL Guru Trades in Q1 2016

Zeke Ashton 86,500 sh (New)
Chuck Royce 114,000 sh (unchged)
Jim Simons 158,400 sh (-4.12%)
» More
Q2 2016

HALL Guru Trades in Q2 2016

Zeke Ashton 92,500 sh (+6.94%)
Chuck Royce 114,000 sh (unchged)
Jim Simons 148,300 sh (-6.38%)
» More
Q3 2016

HALL Guru Trades in Q3 2016

Zeke Ashton 107,500 sh (+16.22%)
Jim Simons 170,900 sh (+15.24%)
Chuck Royce 114,000 sh (unchged)
» More
Q4 2016

HALL Guru Trades in Q4 2016

Jim Simons 202,600 sh (+18.55%)
Chuck Royce 114,000 sh (unchged)
Zeke Ashton 77,500 sh (-27.91%)
» More
» Details

Insider Trades

Latest Guru Trades with HALL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524128    SIC: 6399
Compare:NAS:FNHC, NAS:AFH, NYSE:KFS, NAS:CNFR, NAS:UNAM, NAS:PIH, NAS:NSEC, NYSE:HRTG, NAS:NODK, NAS:BWINA, NAS:DGICB, NYSE:HCI, NAS:EMCI, NAS:SNC, NAS:NATL, NAS:UIHC, NAS:NMIH, NAS:GBLI, NAS:KNSL, NYSE:UVE » details
Headquarter Location:USA
Hallmark Financial Services Inc is a diversified property/casualty insurance company. It offers standard commercial insurance, specialty commercial insurance & personal insurance in selected market subcategories.

Hallmark Financial Services Inc. was formed in the year 1987. It is a diversified property/casualty insurance group that serves businesses and individuals in specialty and niche markets. The Company offers standard commercial insurance, specialty commercial insurance and personal insurance in selected market subcategories. It focus on marketing, distributing, underwriting and servicing property/casualty insurance products that require specialized underwriting expertise or market knowledge. The Company markets commercial and personal lines of property/casualty insurance products which are tailored to the risks and coverages required by the insured. Its Standard Commercial P&C business unit underwrites low-severity, short-tailed commercial property/casualty insurance products in the standard market. The Standard Commercial P&C business unit markets its products through a network of 356 independent agents serving businesses in the non-urban areas of Texas, New Mexico, Oregon, Idaho, Montana, Washington, Utah, Wyoming, Arkansas, Hawaii and Missouri. In addition its Standard Commercial P&C business unit offers occupational accident coverage in Texas through an underwriting agency that specializes in the occupational accident insurance market. The Standard Commercial Segment of its business includes Standard Commercial P&C business unit and its Workers Compensation business unit. The Specialty Commercial Segment of its business includes E&S Commercial business unit and Hallmark Select business unit, as well as certain Specialty Programs which are managed at the parent level. The Company's competitors includes Great American Insurance Group, One Beacon Insurance Company, North American Insurance Company and Service Lloyds. The Company is subject to comprehensive governmental regulation and supervision.

Top Ranked Articles about Hallmark Financial Services Inc

Hallmark Financial Services, Inc. To Present at the NYSSA 21st Annual Insurance Conference

FORT WORTH, Texas, March 10, 2017 (GLOBE NEWSWIRE) -- Hallmark Financial Services, Inc. (NASDAQ:HALL) announced today that Mark E. Schwarz, Executive Chairman, and Naveen Anand, Chief Executive Officer and President, will make a presentation at the 21st Annual Insurance Conference sponsored by the New York Society of Security Analysts at 1540 Broadway, Suite 1010 in New York City on Monday, March 20, 2017, at 2:55 p.m. EDT.  The presentation materials will be available on Hallmark’s website at www.hallmarkgrp.com prior to the date of the presentation. 
About Hallmark Financial Services, Inc. Hallmark Financial Services, Inc. is a diversified specialty property/casualty insurer with offices in Dallas-Fort Worth, San Antonio, Chicago, Los Angeles and Atlanta.  Hallmark markets, underwrites and services over half a billion dollars annually in commercial and personal insurance premiums in select markets.  Hallmark is headquartered in Fort Worth, Texas and its common stock is listed on NASDAQ under the symbol "HALL."   Media Contact:  Blake Zipoy, Director of Corporate Communications, [email protected]


Read more...

Ratios

vs
industry
vs
history
PE Ratio 30.91
HALL's PE Ratio is ranked lower than
89% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.99 vs. HALL: 30.91 )
Ranked among companies with meaningful PE Ratio only.
HALL' s PE Ratio Range Over the Past 10 Years
Min: 5.68  Med: 14.21 Max: 200.5
Current: 30.91
5.68
200.5
PE Ratio without NRI 30.91
HALL's PE Ratio without NRI is ranked lower than
87% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.11 vs. HALL: 30.91 )
Ranked among companies with meaningful PE Ratio without NRI only.
HALL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.68  Med: 14.21 Max: 200.5
Current: 30.91
5.68
200.5
Price-to-Owner-Earnings 6.92
HALL's Price-to-Owner-Earnings is ranked higher than
78% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.49 vs. HALL: 6.92 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HALL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.03  Med: 4.58 Max: 91.22
Current: 6.92
2.03
91.22
PB Ratio 0.74
HALL's PB Ratio is ranked higher than
86% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. HALL: 0.74 )
Ranked among companies with meaningful PB Ratio only.
HALL' s PB Ratio Range Over the Past 10 Years
Min: 0.58  Med: 0.78 Max: 2.08
Current: 0.74
0.58
2.08
PS Ratio 0.53
HALL's PS Ratio is ranked higher than
88% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. HALL: 0.53 )
Ranked among companies with meaningful PS Ratio only.
HALL' s PS Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.57 Max: 1.42
Current: 0.53
0.39
1.42
Price-to-Free-Cash-Flow 7.46
HALL's Price-to-Free-Cash-Flow is ranked higher than
73% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. HALL: 7.46 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HALL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.89  Med: 4.16 Max: 10.96
Current: 7.46
1.89
10.96
Price-to-Operating-Cash-Flow 6.42
HALL's Price-to-Operating-Cash-Flow is ranked higher than
81% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. HALL: 6.42 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HALL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.87  Med: 4.01 Max: 9.88
Current: 6.42
1.87
9.88
EV-to-EBIT 15.49
HALL's EV-to-EBIT is ranked lower than
81% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.44 vs. HALL: 15.49 )
Ranked among companies with meaningful EV-to-EBIT only.
HALL' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.4  Med: 5.7 Max: 75.4
Current: 15.49
-42.4
75.4
EV-to-EBITDA 11.92
HALL's EV-to-EBITDA is ranked lower than
69% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. HALL: 11.92 )
Ranked among companies with meaningful EV-to-EBITDA only.
HALL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -66.2  Med: 5.1 Max: 89.8
Current: 11.92
-66.2
89.8
Shiller PE Ratio 16.23
HALL's Shiller PE Ratio is ranked higher than
64% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.57 vs. HALL: 16.23 )
Ranked among companies with meaningful Shiller PE Ratio only.
HALL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.52  Med: 15.16 Max: 37.5
Current: 16.23
7.52
37.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 1.10
HALL's 3-Year Average Share Buyback Ratio is ranked higher than
76% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. HALL: 1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HALL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -98.9  Med: -0.2 Max: 2.5
Current: 1.1
-98.9
2.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.94
HALL's Price-to-Tangible-Book is ranked higher than
78% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. HALL: 0.94 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HALL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.59  Med: 1.3 Max: 7.81
Current: 0.94
0.59
7.81
Price-to-Intrinsic-Value-Projected-FCF 0.34
HALL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
88% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. HALL: 0.34 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HALL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.28 Max: 0.9
Current: 0.34
0.12
0.9
Price-to-Median-PS-Value 0.93
HALL's Price-to-Median-PS-Value is ranked higher than
67% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. HALL: 0.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HALL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 1.01 Max: 13.76
Current: 0.93
0.24
13.76
Price-to-Graham-Number 1.14
HALL's Price-to-Graham-Number is ranked lower than
61% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. HALL: 1.14 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HALL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.37  Med: 0.95 Max: 2.73
Current: 1.14
0.37
2.73
Earnings Yield (Greenblatt) % 6.46
HALL's Earnings Yield (Greenblatt) % is ranked lower than
80% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.58 vs. HALL: 6.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HALL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 16.9 Max: 71.1
Current: 6.46
1.3
71.1
Forward Rate of Return (Yacktman) % 24.93
HALL's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.92 vs. HALL: 24.93 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HALL' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 7.4  Med: 34.45 Max: 1042
Current: 24.93
7.4
1042

More Statistics

Revenue (TTM) (Mil) $376.0
EPS (TTM) $ 0.34
Beta0.93
Short Percentage of Float0.25%
52-Week Range $9.50 - 12.09
Shares Outstanding (Mil)18.57
» More Articles for HALL

Headlines

Articles On GuruFocus.com
Hallmark Financial Services, Inc. To Present at the NYSSA 21st Annual Insurance Conference Mar 10 2017 
Weekly CEO Buys Highlight: CREG, OPK, LDOS, HALL, ULTA Sep 21 2014 
Unico American Corporation: A Company I Would Love to Own Outright Feb 04 2013 
Hallmark Financial Services Inc. Reports Operating Results (10-K) Mar 15 2011 
Hallmark Financial Services Inc. Reports Operating Results (10-Q) Nov 12 2010 
Hallmark Financial Services Inc. Reports Operating Results (10-Q) Aug 16 2010 
Hallmark Financial Services Inc. Reports Operating Results (10-Q) Nov 12 2009 
Hallmark Financial Services Inc. Reports Operating Results (10-Q) Aug 13 2009 
Hallmark Financial Services Inc. Reports Operating Results (10-Q) May 15 2009 
Weekly CEO Buys Highlight: The Greenbrier Companies, AngioDynamics, Hallmark Financial Services, Ves Apr 18 2009 

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