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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 1.05
HALL's Cash-to-Debt is ranked lower than
67% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. HALL: 1.05 )
Ranked among companies with meaningful Cash-to-Debt only.
HALL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 1.2 Max: No Debt
Current: 1.05
Equity-to-Asset 0.21
HALL's Equity-to-Asset is ranked lower than
67% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. HALL: 0.21 )
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: 0.99
Current: 0.21
0.1
0.99
Debt-to-Equity 0.33
HALL's Debt-to-Equity is ranked lower than
72% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. HALL: 0.33 )
Ranked among companies with meaningful Debt-to-Equity only.
HALL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01  Med: 0.28 Max: 2.5
Current: 0.33
0.01
2.5
Debt-to-EBITDA 36.70
HALL's Debt-to-EBITDA is ranked lower than
94% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.72 vs. HALL: 36.70 )
Ranked among companies with meaningful Debt-to-EBITDA only.
HALL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -6.02  Med: 2.16 Max: 36.7
Current: 36.7
-6.02
36.7
WACC vs ROIC
6.19%
-1.68%
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 % -1.76
HALL's Operating Margin % is ranked lower than
86% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.38 vs. HALL: -1.76 )
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: -1.76
-6.13
15.18
Net Margin % -1.19
HALL's Net Margin % is ranked lower than
87% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.02 vs. HALL: -1.19 )
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: -1.19
-3.37
10.13
ROE % -1.72
HALL's ROE % is ranked lower than
87% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.09 vs. HALL: -1.72 )
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: -1.72
-4.83
16.87
ROA % -0.39
HALL's ROA % is ranked lower than
87% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.13 vs. HALL: -0.39 )
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: -0.39
-1.47
5.45
3-Year Revenue Growth Rate -0.40
HALL's 3-Year Revenue Growth Rate is ranked lower than
80% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 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
60% of the 121 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
62% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 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 30-Y Financials

Financials (Next Earnings Date: 2018-03-09)


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

» Details

Guru Trades

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
Q1 2017

HALL Guru Trades in Q1 2017

Zeke Ashton 77,500 sh (unchged)
Chuck Royce 114,000 sh (unchged)
Jim Simons 190,286 sh (-6.08%)
» More
Q2 2017

HALL Guru Trades in Q2 2017

Jim Simons 248,660 sh (+30.68%)
Zeke Ashton 95,000 sh (+22.58%)
Chuck Royce 114,000 sh (unchged)
» More
Q3 2017

HALL Guru Trades in Q3 2017

Chuck Royce 114,000 sh (unchged)
Jim Simons 245,600 sh (-1.23%)
Zeke Ashton 38,000 sh (-60.00%)
» 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, XKLS:5237, BKK:AYUD, NAS:AFH, BKK:MTI, LSE:PGH, BKK:SMK, SAU:8050, SGX:U13, KAR:EFUG, TPE:2850, HSTC:VNR, TPE:2852, TSX:KFS, BSP:CSAB3, TSX:EFH, SAU:8160, ISX:ABDA, STC:BMI, HSTC:PVI » details
Headquarter Location:USA
Hallmark Financial Services Inc is an insurance holding company, which is engaged in the sale of property/casualty insurance products to businesses and individuals.

Hallmark Financial Services Inc is an insurance holding company, which is engaged in the sale of property/casualty insurance products to businesses and individuals. Its business involves marketing, distributing, underwriting and servicing insurance products, as well as providing other insurance related services. The company operates with segment such as Standard Commercial Segment, Specialty Commercial Segment and Personal Segment. Geographically, it operates through the region of United States and derives majority of revenue from Specialty Commercial Segment, which markets, underwrites, finances, and services commercial lines of insurance products. Its products consist of commercial automobile, general liability, commercial property and commercial excess liability.

Top Ranked Articles about Hallmark Financial Services Inc

Hallmark Financial Services Expected Impact From Hurricane Harvey
Hallmark Expands Professional Liability Offerings to Include Management & Professional Liability Risks
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
Price-to-Owner-Earnings 5.19
HALL's Price-to-Owner-Earnings is ranked higher than
87% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.17 vs. HALL: 5.19 )
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: 44.3
Current: 5.19
2.03
44.3
PB Ratio 0.77
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: 0.77 )
Ranked among companies with meaningful PB Ratio only.
HALL' s PB Ratio Range Over the Past 10 Years
Min: 0.58  Med: 0.77 Max: 2.05
Current: 0.77
0.58
2.05
PS Ratio 0.55
HALL's PS Ratio is ranked higher than
85% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. HALL: 0.55 )
Ranked among companies with meaningful PS Ratio only.
HALL' s PS Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.56 Max: 1.37
Current: 0.55
0.39
1.37
Price-to-Free-Cash-Flow 5.51
HALL's Price-to-Free-Cash-Flow is ranked higher than
80% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.97 vs. HALL: 5.51 )
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: 2.33  Med: 4.25 Max: 10.95
Current: 5.51
2.33
10.95
Price-to-Operating-Cash-Flow 5.21
HALL's Price-to-Operating-Cash-Flow is ranked higher than
85% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. HALL: 5.21 )
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: 2.31  Med: 4.16 Max: 9.87
Current: 5.21
2.31
9.87
EV-to-EBIT -95.27
HALL's EV-to-EBIT is ranked lower than
91% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.02 vs. HALL: -95.27 )
Ranked among companies with meaningful EV-to-EBIT only.
HALL' s EV-to-EBIT Range Over the Past 10 Years
Min: -100.4  Med: 5.7 Max: 75.4
Current: -95.27
-100.4
75.4
EV-to-EBITDA 85.57
HALL's EV-to-EBITDA is ranked lower than
90% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.27 vs. HALL: 85.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
HALL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -66.2  Med: 5.2 Max: 90.2
Current: 85.57
-66.2
90.2
EV-to-Revenue 0.52
HALL's EV-to-Revenue is ranked higher than
78% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. HALL: 0.52 )
Ranked among companies with meaningful EV-to-Revenue only.
HALL' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.2  Med: 0.5 Max: 1.1
Current: 0.52
0.2
1.1
Shiller PE Ratio 21.18
HALL's Shiller PE Ratio is ranked lower than
55% of the 62 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.60 vs. HALL: 21.18 )
Ranked among companies with meaningful Shiller PE Ratio only.
HALL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.52  Med: 15.32 Max: 35.38
Current: 21.18
7.52
35.38

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
74% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 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 0.99
HALL's Price-to-Tangible-Book is ranked higher than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. HALL: 0.99 )
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: 1.21 Max: 7.81
Current: 0.99
0.59
7.81
Price-to-Intrinsic-Value-Projected-FCF 0.33
HALL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
88% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. HALL: 0.33 )
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: 0.32 Max: 1.2
Current: 0.33
0.12
1.2
Price-to-Median-PS-Value 0.96
HALL's Price-to-Median-PS-Value is ranked higher than
68% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. HALL: 0.96 )
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: 0.98 Max: 214.21
Current: 0.96
0.24
214.21
Earnings Yield (Greenblatt) % -1.05
HALL's Earnings Yield (Greenblatt) % is ranked lower than
79% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. HALL: -1.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HALL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -12.8  Med: 16.1 Max: 71.1
Current: -1.05
-12.8
71.1
Forward Rate of Return (Yacktman) % 17.85
HALL's Forward Rate of Return (Yacktman) % is ranked higher than
81% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.52 vs. HALL: 17.85 )
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: 16.7  Med: 34.4 Max: 58.4
Current: 17.85
16.7
58.4

More Statistics

Revenue (TTM) (Mil) $385.40
EPS (TTM) $ -0.26
Beta0.80
Short Percentage of Float1.16%
52-Week Range $9.92 - 12.09
Shares Outstanding (Mil)18.16

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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