| Company Name: | Hallmark Financial Services, Incorporated | | Ticker Symbol: | HALL | | | WWW Address: | www.hallmarkgrp.com | | CEO: | Mark J. Morrison | | No. of Employees: | 329 | | Common Issue Type: | CS | | Business Description: | An insurance holding company, which is engaged in the sale of property/casualty insurance products to businesses and individuals.
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| | | Industry Information: | INSURANCE - Property & Casualty Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 7.91 |  -0.01 | 7.85 | 7.89 | 7.92 | 7.95 | 7.84 | 2100 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 159.3 | 20.1 | 1.26 | 0.62 | 0.00 | 12.8 | 0.0 | 9.51 - 5.86 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 7.92 | $ | | PE Ratio - LTM | 12.8 | |
| Market Capitalisation | 159.3 | mil |
| Latest Shares Outstanding | 20.1 | mil |
| Earnings pS (EPS) | 0.62 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 816,687 | $ |
| Effective Tax Rate | 38.7 | % |
| Float | 20.5 | mil |
| Float as % of Shares Outstanding | 98.3 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 8.8 | % |
| Pre-Tax Profit Margin | 7.6 | % |
| Assets Turnover | 0.5 | % |
| Return on Assets (ROA) | 2.1 | % |
| Return on Equity (ROE) | 5.9 | % |
| Return on Capital Invested (ROCI) | 4.7 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 2.8 | |
| Interest Cover | 5.4 | |
| Total Debt/Equity (Gearing Ratio) | 0.27 | |
| LT Debt/Total Capital | 22.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 10.79 | $ |
| Tangible Book-Value pS | 7.27 | $ |
| Cash Flow pS | 0.64 | $ |
| Free Cash Flow pS | 2.29 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.73 | |
| Price/Tangible Book Ratio | 1.09 | |
| Price/Cash Flow | 12.4 | |
| Price/Free Cash Flow | 3.5 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 13.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.9 | 100 | 1,142 | 819 |
| 4 Weeks | 8.03 | 7.24 | 7.67 | 3.3 | 97 | 832 | 13,308 |
| 13 Weeks | 8.75 | 6.84 | 7.38 | 7.3 | 100 | 688 | 41,265 |
| 26 Weeks | 8.75 | 6.55 | 6.96 | 13.8 | 95 | 792 | 98,209 |
| 52 Weeks | 9.51 | 5.86 | 6.14 | 29.0 | 105 | 664 | 164,573 |
| YTD | 9.51 | 5.98 | - | -9.7 | 74 | 690 | 155,862 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 7.84 | 7.82 | 8.05 | 7.38 | 7.27 | 1.26 | 1.22 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 37.67 | 83.6 | 11.13 |
| Income | -1.85 | 1.0 | 4.77 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 84.51 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -3.28 | NA | 1.65 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 1.7 | 6.5 | -2.1 |
| Earnings % | -0.2 | 567.8 | -53.0 |
| EPS % | 0.0 | 566.7 | -53.0 |
| EPS $ | 0.00 | 0.17 | -0.70 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 11.51 |
| Free Cash Flow Margin 5YEAR AVG | 22.46 |
| Cash-Flow pS | 2.23 |
| Free Cash-Flow pS | 1.46 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 3.00 |
| Debt Ratio | 66.68 |
| Total Debt/Equity (Gearing Ratio) | 0.34 |
| LT Debt/Equity | 0.34 |
| LT Debt/Capital Invested | 25.35 |
| LT Debt/Total Liabilities | 16.97 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.91 |
| Tobin's Q Ratio | 0.28 |
| Current P/E Ratio - LTM | 12.80 |
| Enterprise Value (EV)/EBITDA | 0.04 |
| Enterprise Value (EV)/Free Cash Flow | 2.82 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 1.09 |
| Price/Book Ratio - LTM | 0.73 |
| Price/Cash Flow Ratio | 12.4 |
| Price/Free Cash Flow Ratio - LTM | 3.5 |
| P/E Ratio (1 month ago) - LTM | 13.3 |
| P/E Ratio (26 weeks ago) - LTM | 11.8 |
| P/E Ratio (52 weeks ago) - LTM | 5.8 |
| 5-Y High P/E Ratio | 27.2 |
| 5-Y Low P/E Ratio | 2.8 |
| 5-Y Average P/E Ratio | 12.6 |
| Current P/E Ratio as % of 5-Y Average P/E | 102 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 13.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 14.3 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 7.27 |
| Book Value pS - LTM | 10.79 |
| Capital Invested pS | 11.95 |
| Cash Flow pS - LTM | 0.64 |
| Free Cash Flow pS - LTM | 2.29 |
| Earnings pS (EPS) | 0.62 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 7.19 |
| Return on Equity (ROE) - 5YEAR AVRG. | 10.3 |
| Return on Capital Invested (ROCI) | 5.37 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 8.6 |
| Return on Assets (ROA) | 2.40 |
| Return on Assets (ROA) - 5YEAR AVRG. | 3.5 |
| EBIT Margin - LTM | 9.3 |
| EBITDA Margin - LTM | 8.8 |
| Pre-Tax Profit Margin | 7.86 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 11.80 |
| Net Profit Margin | 4.80 |
| Net Profit Margin - 5YEAR AVRG. | 7.83 |
| Effective Tax Rate | 38.70 |
| Effective Tax Rate - 5YEAR AVRG. | 34.32 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 827,805 |
| Net Income per Employee - LTM | 39,103 |
| Assets/Revenue - LTM | 250.00 |
| Assets/Revenue - 5YEAR AVRG. | 199.43 |
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