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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 1.01
HALL's Cash to Debt is ranked lower than
64% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.38 vs. HALL: 1.01 )
Ranked among companies with meaningful Cash to Debt only.
HALL' s Cash to Debt Range Over the Past 10 Years
Min: 0.22  Med: 1.41 Max: No Debt
Current: 1.01
Equity to Asset 0.24
HALL's Equity to Asset is ranked lower than
60% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. HALL: 0.24 )
Ranked among companies with meaningful Equity to Asset only.
HALL' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.26 Max: 0.52
Current: 0.24
0.1
0.52
Interest Coverage 7.75
HALL's Interest Coverage is ranked lower than
70% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.52 vs. HALL: 7.75 )
Ranked among companies with meaningful Interest Coverage only.
HALL' s Interest Coverage Range Over the Past 10 Years
Min: 0.73  Med: 4.10 Max: 11.5
Current: 7.75
0.73
11.5
F-Score: 6
WACC vs ROIC
8.26%
9.24%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 8.14
HALL's Operating margin (%) is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. HALL: 8.14 )
Ranked among companies with meaningful Operating margin (%) only.
HALL' s Operating margin (%) Range Over the Past 10 Years
Min: -6.1  Med: 6.72 Max: 16.4
Current: 8.14
-6.1
16.4
Net-margin (%) 5.55
HALL's Net-margin (%) is ranked lower than
62% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.38 vs. HALL: 5.55 )
Ranked among companies with meaningful Net-margin (%) only.
HALL' s Net-margin (%) Range Over the Past 10 Years
Min: -3.35  Med: 4.26 Max: 9.99
Current: 5.55
-3.35
9.99
ROE (%) 7.84
HALL's ROE (%) is ranked lower than
52% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.17 vs. HALL: 7.84 )
Ranked among companies with meaningful ROE (%) only.
HALL' s ROE (%) Range Over the Past 10 Years
Min: -4.8  Med: 6.34 Max: 16.61
Current: 7.84
-4.8
16.61
ROA (%) 1.95
HALL's ROA (%) is ranked lower than
61% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. HALL: 1.95 )
Ranked among companies with meaningful ROA (%) only.
HALL' s ROA (%) Range Over the Past 10 Years
Min: -1.46  Med: 1.78 Max: 5.36
Current: 1.95
-1.46
5.36
Revenue Growth (3Y)(%) 2.70
HALL's Revenue Growth (3Y)(%) is ranked lower than
67% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. HALL: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HALL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.2  Med: 6.70 Max: 20.3
Current: 2.7
-19.2
20.3
EBITDA Growth (3Y)(%) 46.50
HALL's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. HALL: 46.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HALL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.8  Med: 7.00 Max: 46.5
Current: 46.5
-31.8
46.5
EPS Growth (3Y)(%) 84.50
HALL's EPS Growth (3Y)(%) is ranked higher than
96% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. HALL: 84.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HALL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -6.60 Max: 84.5
Current: 84.5
0
84.5
» HALL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-07)


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

» Details

Guru Trades

Q2 2015

HALL Guru Trades in Q2 2015

Jim Simons 88,486 sh (+120.11%)
Chuck Royce 116,800 sh (unchged)
Zeke Ashton Sold Out
» More
Q3 2015

HALL Guru Trades in Q3 2015

Jim Simons 128,100 sh (+44.77%)
Chuck Royce 116,800 sh (unchged)
» More
Q4 2015

HALL Guru Trades in Q4 2015

Jim Simons 165,200 sh (+28.96%)
Chuck Royce 114,000 sh (-2.40%)
» More
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
» 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
Compare:NAS:AFH, NAS:FNHC, NYSE:HCI, OTCPK:EGFHF, NYSE:KFS, NAS:UIHC, NAS:NMIH, NAS:UNAM, NAS:CNFR, NYSE:HRTG, NAS:NSEC, NAS:PIH, NAS:BWINB, NAS:DGICB, NAS:SNC, NAS:GBLI, NAS:EMCI, NAS:NATL, NYSE:UVE, NAS:IPCC » details
Hallmark Financial Services Inc. is a 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.

Ratios

vs
industry
vs
history
P/E(ttm) 10.53
HALL's P/E(ttm) is ranked higher than
74% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.70 vs. HALL: 10.53 )
Ranked among companies with meaningful P/E(ttm) only.
HALL' s P/E(ttm) Range Over the Past 10 Years
Min: 5.68  Med: 13.31 Max: 200.5
Current: 10.53
5.68
200.5
PE(NRI) 10.53
HALL's PE(NRI) is ranked higher than
73% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.22 vs. HALL: 10.53 )
Ranked among companies with meaningful PE(NRI) only.
HALL' s PE(NRI) Range Over the Past 10 Years
Min: 5.68  Med: 13.31 Max: 200.5
Current: 10.53
5.68
200.5
Price/Owner Earnings (ttm) 4.48
HALL's Price/Owner Earnings (ttm) is ranked higher than
90% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.41 vs. HALL: 4.48 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HALL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.03  Med: 4.55 Max: 91.22
Current: 4.48
2.03
91.22
P/B 0.81
HALL's P/B is ranked higher than
83% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. HALL: 0.81 )
Ranked among companies with meaningful P/B only.
HALL' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 0.80 Max: 2.08
Current: 0.81
0.58
2.08
P/S 0.57
HALL's P/S is ranked higher than
82% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. HALL: 0.57 )
Ranked among companies with meaningful P/S only.
HALL' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 0.59 Max: 1.49
Current: 0.57
0.39
1.49
PFCF 4.89
HALL's PFCF is ranked higher than
81% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.71 vs. HALL: 4.89 )
Ranked among companies with meaningful PFCF only.
HALL' s PFCF Range Over the Past 10 Years
Min: 1.87  Med: 3.98 Max: 10.2
Current: 4.89
1.87
10.2
POCF 4.57
HALL's POCF is ranked higher than
84% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.18 vs. HALL: 4.57 )
Ranked among companies with meaningful POCF only.
HALL' s POCF Range Over the Past 10 Years
Min: 1.85  Med: 3.85 Max: 9.83
Current: 4.57
1.85
9.83
EV-to-EBIT 6.22
HALL's EV-to-EBIT is ranked higher than
72% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.55 vs. HALL: 6.22 )
Ranked among companies with meaningful EV-to-EBIT only.
HALL' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.4  Med: 5.70 Max: 75.4
Current: 6.22
-42.4
75.4
EV-to-EBITDA 5.69
HALL's EV-to-EBITDA is ranked higher than
73% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.91 vs. HALL: 5.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
HALL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -66.2  Med: 5.00 Max: 89.8
Current: 5.69
-66.2
89.8
Shiller P/E 16.83
HALL's Shiller P/E is ranked higher than
52% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.39 vs. HALL: 16.83 )
Ranked among companies with meaningful Shiller P/E only.
HALL' s Shiller P/E Range Over the Past 10 Years
Min: 7.52  Med: 14.61 Max: 37.5
Current: 16.83
7.52
37.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
HALL's Price/Tangible Book is ranked higher than
68% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.42 vs. HALL: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
HALL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.59  Med: 1.11 Max: 4.41
Current: 1.03
0.59
4.41
Price/Projected FCF 0.37
HALL's Price/Projected FCF is ranked higher than
85% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. HALL: 0.37 )
Ranked among companies with meaningful Price/Projected FCF only.
HALL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.32 Max: 1.29
Current: 0.37
0.08
1.29
Price/Median PS Value 0.99
HALL's Price/Median PS Value is ranked higher than
53% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. HALL: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
HALL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 0.94 Max: 2.06
Current: 0.99
0.29
2.06
Price/Graham Number 0.70
HALL's Price/Graham Number is ranked higher than
78% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. HALL: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
HALL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.38  Med: 0.81 Max: 3.01
Current: 0.7
0.38
3.01
Earnings Yield (Greenblatt) (%) 16.14
HALL's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. HALL: 16.14 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HALL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 17.00 Max: 71.1
Current: 16.14
1.3
71.1
Forward Rate of Return (Yacktman) (%) 23.76
HALL's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. HALL: 23.76 )
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: 6.7  Med: 33.70 Max: 1042
Current: 23.76
6.7
1042

More Statistics

Revenue (TTM) (Mil) $371.0
EPS (TTM) $ 1.07
Beta1.09
Short Percentage of Float2.68%
52-Week Range $9.33 - 13.29
Shares Outstanding (Mil)18.89
» 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 

More From Other Websites
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Jun 07 2016
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Regulation FD Disclosure May 25 2016
Hallmark Financial Services, Inc. :HALL-US: Earnings Analysis: Q1, 2016 By the Numbers May 18 2016
HALLMARK FINANCIAL SERVICES INC Financials May 13 2016
Hallmark Financial (HALL) Q1 Earnings and Revenues Miss May 09 2016
Hallmark Financial posts 1Q profit May 05 2016
Hallmark Financial posts 1Q profit May 05 2016
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition May 05 2016
HALLMARK FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report May 05 2016
Hallmark Financial Services, Inc. Announces First Quarter 2016 Earnings Results May 05 2016
Hallmark Financial Services, Inc. Announces First Quarter 2016 Earnings Results May 05 2016
Hallmark Expands Medical Professional Liability Offerings to Include Hospital Risks Apr 18 2016
Earnings Estimates Moving Higher for Hallmark Financial (HALL): Time to Buy? Apr 04 2016
5 brands with great reputations: What they do best Mar 29 2016
Is Hallmark Financial (HALL) Stock a Solid Choice Right Now? Mar 29 2016
HALLMARK FINANCIAL SERVICES INC Files SEC form 8-K, Regulation FD Disclosure Mar 11 2016
Hallmark Financial Misses on Earnings and Revenues in Q4 Mar 11 2016
Hallmark Financial posts 4Q profit Mar 10 2016
Hallmark Financial posts 4Q profit Mar 10 2016
HALLMARK FINANCIAL SERVICES INC Files SEC form 10-K, Annual Report Mar 10 2016

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