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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 2.76
HALL's Cash to Debt is ranked higher than
75% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.66 vs. HALL: 2.76 )
HALL' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 2.76

Equity to Asset 0.25
HALL's Equity to Asset is ranked higher than
71% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 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 lower than
51% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 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: 5
Z-Score: 0.74
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 (%) 2.85
HALL's Operating margin (%) is ranked higher than
55% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. HALL: 2.85 )
HALL' s 10-Year Operating margin (%) Range
Min: -6.1   Max: 16.93
Current: 2.85

-6.1
16.93
Net-margin (%) 2.12
HALL's Net-margin (%) is ranked higher than
56% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. HALL: 2.12 )
HALL' s 10-Year Net-margin (%) Range
Min: -6.48   Max: 12.57
Current: 2.12

-6.48
12.57
ROE (%) 3.46
HALL's ROE (%) is ranked higher than
57% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. HALL: 3.46 )
HALL' s 10-Year ROE (%) Range
Min: -19.58   Max: 31.92
Current: 3.46

-19.58
31.92
ROA (%) 0.91
HALL's ROA (%) is ranked higher than
58% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. HALL: 0.91 )
HALL' s 10-Year ROA (%) Range
Min: -2.02   Max: 10.43
Current: 0.91

-2.02
10.43
ROC (Joel Greenblatt) (%) 624.93
HALL's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 184.44 vs. HALL: 624.93 )
HALL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -653.35   Max: 624.93
Current: 624.93

-653.35
624.93
Revenue Growth (%) 9.70
HALL's Revenue Growth (%) is ranked higher than
77% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

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

-19.7
21.4
EBITDA Growth (%) 5.80
HALL's EBITDA Growth (%) is ranked higher than
70% of the 164 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. HALL: 5.80 )
HALL' s 10-Year EBITDA Growth (%) Range
Min: -31.6   Max: 32.9
Current: 5.8

-31.6
32.9
EPS Growth (%) 5.10
HALL's EPS Growth (%) is ranked higher than
69% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. HALL: 5.10 )
HALL' s 10-Year EPS Growth (%) 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

Q3 2013

HALL Guru Trades in Q3 2013

Chuck Royce 138,000 sh (unchged)
» More
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
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.70
HALL's P/E(ttm) is ranked higher than
73% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.80 vs. HALL: 11.70 )
HALL' s 10-Year P/E(ttm) Range
Min: 0.64   Max: 222.78
Current: 11.7

0.64
222.78
P/B 0.80
HALL's P/B is ranked higher than
96% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.29 vs. HALL: 0.80 )
HALL' s 10-Year P/B Range
Min: 0.49   Max: 2.05
Current: 0.8

0.49
2.05
P/S 0.50
HALL's P/S is ranked higher than
92% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. HALL: 0.50 )
HALL' s 10-Year P/S Range
Min: 0.12   Max: 1.6
Current: 0.5

0.12
1.6
PFCF 2.90
HALL's PFCF is ranked higher than
96% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. HALL: 2.90 )
HALL' s 10-Year PFCF Range
Min: 1.22   Max: 11.26
Current: 2.9

1.22
11.26
EV-to-EBIT 3.93
HALL's EV-to-EBIT is ranked higher than
97% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.44 vs. HALL: 3.93 )
HALL' s 10-Year EV-to-EBIT Range
Min: 1.4   Max: 74.8
Current: 3.93

1.4
74.8
Shiller P/E 27.40
HALL's Shiller P/E is ranked higher than
51% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.34 vs. HALL: 27.40 )
HALL' s 10-Year Shiller P/E Range
Min: 3.98   Max: 31.26
Current: 27.4

3.98
31.26

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
HALL's Price/Tangible Book is ranked higher than
86% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.54 vs. HALL: 1.00 )
HALL' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 4.41
Current: 1

0.55
4.41
Price/DCF (Projected) 0.30
HALL's Price/DCF (Projected) is ranked higher than
96% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. HALL: 0.30 )
HALL' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.22
Current: 0.3

0.1
1.22
Price/Median PS Value 0.90
HALL's Price/Median PS Value is ranked higher than
88% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. HALL: 0.90 )
HALL' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 2.29
Current: 0.9

0.31
2.29
Price/Graham Number 0.70
HALL's Price/Graham Number is ranked higher than
86% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.94 vs. HALL: 0.70 )
HALL' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 3.86
Current: 0.7

0.41
3.86
Earnings Yield (Greenblatt) 25.40
HALL's Earnings Yield (Greenblatt) is ranked higher than
94% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. HALL: 25.40 )
HALL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 69.2
Current: 25.4

1.3
69.2
Forward Rate of Return (Yacktman) 16.49
HALL's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. HALL: 16.49 )
HALL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6   Max: 62.2
Current: 16.49

6
62.2

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Hallmark Financial Services is a 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 that are characteristically low-severity and predominately short-tailed risks. The insurance policies it produces are written by its six insurance company subsidiaries as well as unaffiliated insurers. It markets, distributes, underwrites and services its property/casualty insurance products primarily through six business units. Its Standard Commercial P&C business unit mainly underwrites low-severity, short-tailed commercial property/casualty insurance products in the standard market. Its Workers Compensation business unit offers small and middle market workers compensation insurance products. Its Workers Compensation business unit currently markets its products through a network of 170 independent agents in Texas. Its E&S Commercial business unit primarily offers commercial property/casualty insurance products in the excess and surplus lines market. Excess and surplus lines insurance provides coverage for difficult to place risks that do not fit the underwriting criteria of insurers operating in the standard market. Its E&S Commercial business unit primarily writes commercial automobile, general liability, commercial property and excess casualty. Its General Aviation business unit offers general aviation property/casualty insurance primarily for private and small commercial aircraft and airports. Its Excess & Umbrella business unit offers small and middle market commercial excess liability, umbrella and general liability insurance on both an admitted and non-admitted basis focusing primarily on trucking, specialty automobile, and non-fleet automobile coverage. Its Personal Lines business unit offers non-standard personal automobile policies, which generally provide the minimum limits of liability coverage mandated by state law to drivers who find it difficult to obtain insurance from standard carriers due to various factors including age, driving record, claims history or limited financial resources. The main competition for its Workers Compensation business unit includes such carriers as Texas Mutual Insurance Company, Service Lloyds Insurance Company, Employers Insurance Company. The main competition for its E&S Commercial business unit includes such carriers as American International Group, Inc., Atlantic Casualty Insurance Company, Canal Insurance Company. The main competition for its Excess & Umbrella business unit includes such carriers as American International Group, Inc., First Mercury Insurance Company, Axis Insurance Company, W.R. Berkley Corporation. The Company is subject to comprehensive governmental regulation and supervision.
» More Articles for HALL

Headlines

Articles On GuruFocus.com
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 

More From Other Websites
HALLMARK FINANCIAL SERVICES INC Financials Aug 19 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Change in Directors or Principal Officers, Other... Aug 15 2014
Hallmark Financial Services, Inc. Announces Appointment of Chief Executive Officer Aug 14 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Aug 12 2014
Hallmark Financial Services, Inc. Announces Senior Unsecured Notes Offering Aug 11 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition Aug 08 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report Aug 07 2014
Hallmark Financial Services, Inc. Announces Second Quarter 2014 Earnings Results Aug 07 2014
Hilltop's Growth May Stagnate Near Term, Capital Stable Jul 10 2014
ACE to Expand in Brazil with P&C Unit Buyout Jul 07 2014
Hallmark Financial Touches 52-week High Jun 18 2014
Will Hallmark Financial (HALL) Continue to Surge Higher? Jun 10 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Jun 02 2014
Hallmark Upped to Strong Buy May 19 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Regulation FD Disclosure May 19 2014
Zacks Rank #1 Additions for Thursday May 15 2014
Hallmark Financial Services Inc Stock Upgraded (HALL) May 12 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition May 08 2014
HALLMARK FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report May 08 2014
Hallmark Financial reports Q1 EPS 23c, two estimates 9c May 08 2014

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