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Market Price

17.23 

-0.33 -1.9%

as of Aug 20 '19

52 Week Range:

9.48 18.10


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Hallmark Financial Services, Inc., through its subsidiaries, underwrites, markets, distributes, and services property/casualty insurance products to businesses and individuals in the United States. The company operates in the Specialty Commercial, Standard Commercial, and Personal segments. The Specialty Commercial segment markets, underwrites, finances, and services commercial lines of insurance products, including commercial automobile, general liability, commercial property, commercial excess liability, and commercial umbrella insurance products. This segment also offers general aviation property/casualty insurance, such as aircraft insurance, airport liability insurance, and satellite launch and in-orbit coverage insurance products, as well as provides medical professional liability insurance products. The Standard Commercial segment offers standard commercial lines of insurance products primarily in the non-urban areas in the southwest and northwest regions of the United States. Its products include commercial automobile, general liability, umbrella, commercial property, commercial multi-peril, business owner's, and occupational accident insurance products. The Personal segment provides personal automobile and renters insurance products. The company markets its insurance products through independent general agents, retail agents, and specialty brokers. Hallmark Financial Services, Inc. was founded in 1987 and is headquartered in Fort Worth, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 8.62
11.26
11.72
10.98
11.45
11.94
12.90
13.66
14.56
14.39
14.81
growth rate 30.6% 4.1% -6.3% 4.3% 4.3% 8.0% 5.9% 6.6% -1.2% 2.9%
Earnings BIT 21.12
33.26
8.26
-19.68
3.37
11.08
23.36
35.11
14.83
-12.06
17.35
growth rate 57.5% -75.2% -100.0% 100.0% 228.8% 110.8% 50.3% -57.8% -100.0% 100.0%
Avg.PE 14.18
6.68
25.06
-14.00
51.28
20.88
16.57
9.54
33.24
111.02
17.99
growth rate -52.9% 275.2% -100.0% 100.0% -59.3% -20.6% -42.4% 248.4% 234.0% -83.8%
ROA 2.25
4.21
1.07
-1.46
0.46
0.97
1.42
2.13
0.58
-0.97
0.83
growth rate 87.1% -74.6% -100.0% 100.0% 110.9% 46.4% 50.0% -72.8% -100.0% 100.0%
ROE 7.19
12.11
3.17
-4.79
1.61
3.60
5.48
8.51
2.47
-4.47
4.08
growth rate 68.4% -73.8% -100.0% 100.0% 123.6% 52.2% 55.3% -71.0% -100.0% 100.0%
ROIC 6.58
10.63
3.95
-2.71
2.72
4.06
5.52
growth rate 61.6% -62.8% -100.0% 100.0% 49.3% 36.0%
Leverage 3.00
2.78
3.12
3.46
3.58
3.82
3.89
4.11
4.37
4.90
4.95
growth rate -7.3% 12.2% 10.9% 3.5% 6.7% 1.8% 5.7% 6.3% 12.1% 1.0%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 109.55
121.77
151.68
75.35
97.81
99.23
118.91
125.01
growth rate 11.2% 24.6% -50.3% 29.8% 1.5% 19.8% 5.1%
Acct.Payable 21.30
32.15
40.53
52.17
507.87
553.35
608.52
622.78
growth rate 51.0% 26.1% 28.7% 873.5% 9.0% 10.0% 2.3%
Cur.Assets 332.77
342.16
340.16
376.07
424.28
growth rate 2.8% -0.6% 10.6% 12.8%
Total Assets 538.40
628.90
736.60
746.06
790.47
909.02
980.87
1,075.55
1,162.46
1,231.13
1,264.89
growth rate 16.8% 17.1% 1.3% 6.0% 15.0% 7.9% 9.7% 8.1% 5.9% 2.7%
Cash 59.10
112.30
60.50
83.84
93.85
153.86
130.99
114.45
79.63
64.98
35.59
growth rate 90.0% -46.1% 38.6% 11.9% 63.9% -14.9% -12.6% -30.4% -18.4% -45.2%
Cur.Liabilities 249.96
724.28
794.61
885.16
920.84
growth rate 189.8% 9.7% 11.4% 4.0%
Liabilities 359.00
402.40
500.90
529.20
569.93
670.91
728.83
813.52
896.72
980.01
1,009.36
growth rate 12.1% 24.5% 5.7% 7.7% 17.7% 8.6% 11.6% 10.2% 9.3% 3.0%
LT Debt 60.90
59.50
59.50
63.89
65.51
78.77
56.70
85.65
85.70
85.75
85.80
growth rate -2.3% 0.0% 7.4% 2.5% 20.3% -28.0% 51.1% 0.1% 0.1% 0.1%
Equity 179.40
226.50
235.80
215.57
220.54
238.12
252.04
262.03
265.74
251.12
255.53
growth rate 26.3% 4.1% -8.6% 2.3% 8.0% 5.9% 4.0% 1.4% -5.5% 1.8%
Common Shares 21.00
21.00
20.00
20.00
19.00
19.00
19.00
19.00
19.00
18.00
18.00
growth rate 0.0% -4.8% 0.0% -5.0% 0.0% 0.0% 0.0% 0.0% -5.3% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 1.10
1.30
1.80
1.59
0.11
0.67
0.55
3.61
4.34
2.71
2.10
growth rate 18.2% 38.5% -11.9% -93.3% 529.0% -18.9% 560.8% 20.3% -37.7% -22.3%
Cash Dividends 0.00
0.00
0.00
0.17
1.98
growth rate 1,100.6%
Cash From OA 48.70
61.70
36.40
24.61
33.68
68.34
33.68
52.94
30.85
7.20
-32.94
growth rate 26.7% -41.0% -32.4% 36.9% 102.9% -50.7% 57.2% -41.7% -76.7% -100.0%
FCF per Share 2.16
2.92
1.71
1.01
1.74
3.02
1.86
2.72
1.61
2.02
-2.68
growth rate 35.2% -41.4% -40.9% 72.3% 73.6% -38.4% 46.2% -40.8% 25.5% -100.0%
Sale Purchase of Stock -6.30
1.16
0.66
0.47
0.23
growth rate 100.0% -43.0% -29.2% -50.4%
FCF 45.00
60.00
35.00
23.00
34.00
68.00
33.00
49.00
27.00
4.00
-35.00
growth rate 33.3% -41.7% -34.3% 47.8% 100.0% -51.5% 48.5% -44.9% -85.2% -100.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 268.70
287.00
307.10
322.77
341.80
389.43
337.37
371.72
375.95
385.52
379.27
growth rate 6.8% 7.0% 5.1% 5.9% 13.9% -13.4% 10.2% 1.1% 2.6% -1.6%
Op.Income 21.12
33.26
8.37
-10.83
3.85
8.25
23.36
35.11
14.83
-12.06
17.35
growth rate 57.5% -74.8% -100.0% 100.0% 114.3% 183.3% 50.3% -57.8% -100.0% 100.0%
IBT 21.10
33.30
8.40
-19.79
3.37
11.08
18.78
31.89
8.48
-16.57
12.80
growth rate 57.8% -74.8% -100.0% 100.0% 228.4% 69.5% 69.8% -73.4% -100.0% 100.0%
Net Income 12.90
24.60
7.40
-10.83
3.85
8.25
13.43
21.86
6.53
-11.55
10.35
growth rate 90.7% -69.9% -100.0% 100.0% 114.3% 62.9% 62.8% -70.2% -100.0% 100.0%
EPS 0.62
1.19
0.37
-0.55
0.18
0.43
0.69
1.13
0.34
-0.63
0.57
growth rate 91.9% -68.9% -100.0% 100.0% 138.9% 60.5% 63.8% -69.9% -100.0% 100.0%
Gross Profit 124.45
133.42
104.52
83.54
115.39
128.08
127.31
141.57
122.26
97.21
123.24
growth rate 7.2% -21.7% -20.1% 38.1% 11.0% -0.6% 11.2% -13.6% -20.5% 26.8%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 7.50
13.26
-5.24
20.17
17.72
growth rate 76.7% -100.0% 100.0% -12.1%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 118.02
116.08
125.01
136.17
148.59
growth rate -1.6% 7.7% 8.9% 9.1%
Acct.Payable 618.05
611.31
622.78
648.17
672.65
growth rate -1.1% 1.9% 4.1% 3.8%
Cur.Assets 418.42
407.99
424.28
477.76
523.18
growth rate -2.5% 4.0% 12.6% 9.5%
Total Assets 1,259.28
1,270.79
1,264.89
1,328.73
1,405.77
growth rate 0.9% -0.5% 5.1% 5.8%
Cash 79.58
59.93
35.59
65.49
67.67
growth rate -24.7% -40.6% 84.0% 3.3%
Inventory
growth rate
Cur.Liabilities 908.42
908.85
920.84
965.78
1,025.15
growth rate 0.1% 1.3% 4.9% 6.2%
Liabilities 1,002.37
1,003.74
1,009.36
1,055.08
1,116.23
growth rate 0.1% 0.6% 4.5% 5.8%
LT Debt 85.78
85.79
85.80
85.82
85.83
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 256.91
267.05
255.53
273.65
289.54
growth rate 4.0% -4.3% 7.1% 5.8%
Common Shares 3.76
3.76
3.76
3.76
3.76
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 0.55
0.41
0.57
1.85
0.60
growth rate -24.8% 38.6% 223.5% -67.5%
Cash Dividends
growth rate
Cash From OA 9.32
-9.09
-13.95
-1.96
8.65
growth rate -100.0% 0.0% 0.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 8.77
-9.50
-14.52
-3.81
8.05
growth rate -100.0% 0.0% 0.0% 100.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 98.13
102.95
84.86
118.12
120.90
growth rate 4.9% -17.6% 39.2% 2.4%
Op.Income 7.50
13.26
-5.24
20.17
17.72
growth rate 76.7% -100.0% 100.0% -12.1%
IBT 6.37
12.08
-6.45
18.92
16.48
growth rate 89.5% -100.0% 100.0% -12.9%
Net Income 5.09
9.69
-5.08
15.03
13.03
growth rate 90.3% -100.0% 100.0% -13.3%
EPS
growth rate
Gross Profit 34.48
38.70
20.40
48.03
47.68
growth rate 12.3% -47.3% 135.5% -0.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (13.08)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 19.07 30.23 8.56
EPS / Growth -16.2% 0.57 4.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.1% 1.1%
Future PE 2.00 9.93 9.93
Future EPS 0.63 0.63 0.63
Value Price
MOS %
0.31
-98.2%
1.56
-91.0%
1.56
-91.0%
MOS Price 0.16 0.78 0.78
IRT 26.31 26.05 26.05

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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