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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 : 5/10

vs
industry
vs
history
Cash to Debt 2.82
HALL's Cash to Debt is ranked higher than
77% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. HALL: 2.82 )
HALL' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 2.82

Equity to Asset 0.25
HALL's Equity to Asset is ranked higher than
72% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. HALL: 0.25 )
HALL' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.52
Current: 0.25

0.1
0.52
Interest Coverage 2.41
HALL's Interest Coverage is ranked higher than
50% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. HALL: 2.41 )
HALL' s 10-Year Interest Coverage Range
Min: 0.73   Max: 135.41
Current: 2.41

0.73
135.41
F-Score: 6
Z-Score: 0.76
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 : 6/10

vs
industry
vs
history
Operating margin (%) 5.31
HALL's Operating margin (%) is ranked higher than
62% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. HALL: 5.31 )
HALL' s 10-Year Operating margin (%) Range
Min: -6.13   Max: 16.93
Current: 5.31

-6.13
16.93
Net-margin (%) 3.88
HALL's Net-margin (%) is ranked higher than
62% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. HALL: 3.88 )
HALL' s 10-Year Net-margin (%) Range
Min: -6.48   Max: 12.57
Current: 3.88

-6.48
12.57
ROE (%) 5.44
HALL's ROE (%) is ranked higher than
61% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. HALL: 5.44 )
HALL' s 10-Year ROE (%) Range
Min: -17.68   Max: 48.68
Current: 5.44

-17.68
48.68
ROA (%) 1.39
HALL's ROA (%) is ranked higher than
63% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. HALL: 1.39 )
HALL' s 10-Year ROA (%) Range
Min: -2.13   Max: 10.46
Current: 1.39

-2.13
10.46
ROC (Joel Greenblatt) (%) 6072.42
HALL's ROC (Joel Greenblatt) (%) is ranked higher than
97% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 288.43 vs. HALL: 6072.42 )
HALL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1313.88   Max: 546.22
Current: 6072.42

-1313.88
546.22
Revenue Growth (3Y)(%) 9.70
HALL's Revenue Growth (3Y)(%) is ranked higher than
78% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. HALL: 9.70 )
HALL' s 10-Year Revenue Growth (3Y)(%) Range
Min: -19.7   Max: 21.4
Current: 9.7

-19.7
21.4
EBITDA Growth (3Y)(%) 5.40
HALL's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. HALL: 5.40 )
HALL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 71.9
Current: 5.4

0
71.9
EPS Growth (3Y)(%) 5.10
HALL's EPS Growth (3Y)(%) is ranked higher than
68% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. HALL: 5.10 )
HALL' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 43.3
Current: 5.1

0
43.3
» HALL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

HALL Guru Trades in Q4 2013

Jim Simons 26,800 sh (New)
Chuck Royce 138,000 sh (unchged)
» More
Q1 2014

HALL Guru Trades in Q1 2014

Chuck Royce 138,000 sh (unchged)
Jim Simons 23,675 sh (-11.66%)
» More
Q2 2014

HALL Guru Trades in Q2 2014

Chuck Royce 138,000 sh (unchged)
Jim Simons Sold Out
» More
Q3 2014

HALL Guru Trades in Q3 2014

Chuck Royce 140,800 sh (+2.03%)
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.40
HALL's P/E(ttm) is ranked higher than
65% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. HALL: 17.40 )
HALL' s 10-Year P/E(ttm) Range
Min: 5.68   Max: 222.78
Current: 17.4

5.68
222.78
P/B 0.91
HALL's P/B is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. HALL: 0.91 )
HALL' s 10-Year P/B Range
Min: 0.49   Max: 2.05
Current: 0.91

0.49
2.05
P/S 0.67
HALL's P/S is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. HALL: 0.67 )
HALL' s 10-Year P/S Range
Min: 0.2   Max: 1.6
Current: 0.67

0.2
1.6
PFCF 6.33
HALL's PFCF is ranked higher than
86% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.37 vs. HALL: 6.33 )
HALL' s 10-Year PFCF Range
Min: 2.1   Max: 10.36
Current: 6.33

2.1
10.36
EV-to-EBIT 6.76
HALL's EV-to-EBIT is ranked higher than
89% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. HALL: 6.76 )
HALL' s 10-Year EV-to-EBIT Range
Min: -50   Max: 74.2
Current: 6.76

-50
74.2
Shiller P/E 31.85
HALL's Shiller P/E is ranked higher than
67% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.02 vs. HALL: 31.85 )
HALL' s 10-Year Shiller P/E Range
Min: 3.98   Max: 32.3
Current: 31.85

3.98
32.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
HALL's Price/Tangible Book is ranked higher than
81% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.64 vs. HALL: 1.22 )
HALL' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 4.41
Current: 1.22

0.55
4.41
Price/DCF (Projected) 0.37
HALL's Price/DCF (Projected) is ranked higher than
95% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. HALL: 0.37 )
HALL' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.28
Current: 0.37

0.1
1.28
Price/Median PS Value 1.16
HALL's Price/Median PS Value is ranked higher than
75% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. HALL: 1.16 )
HALL' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 2.25
Current: 1.16

0.3
2.25
Price/Graham Number 0.97
HALL's Price/Graham Number is ranked higher than
75% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. HALL: 0.97 )
HALL' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 3.86
Current: 0.97

0.41
3.86
Earnings Yield (Greenblatt) 14.80
HALL's Earnings Yield (Greenblatt) is ranked higher than
88% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. HALL: 14.80 )
HALL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 69.2
Current: 14.8

1.3
69.2
Forward Rate of Return (Yacktman) 19.84
HALL's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.15 vs. HALL: 19.84 )
HALL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.7   Max: 61.5
Current: 19.84

6.7
61.5

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Hallmark Financial Services Inc. 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 primarily 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 primarily 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.
» More Articles for HALL

Headlines

Articles On GuruFocus.com
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 
Hallmark Financial Services Inc. (HALL) CEO Mark J Morrison buys 12,520 Shares Apr 16 2009 


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