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HALLMARK FINL SERVICES INC (HALL) Stock Fundamental Analysis

NASDAQ:HALL - Nasdaq - US40624Q3020 - Common Stock - Currency: USD

0.82  -0.11 (-11.93%)

After market: 0.79 -0.03 (-3.66%)

Fundamental Rating

1

Overall HALL gets a fundamental rating of 1 out of 10. We evaluated HALL against 143 industry peers in the Insurance industry. Both the profitability and financial health of HALL have multiple concerns. HALL does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year HALL has reported negative net income.
In the past year HALL has reported a negative cash flow from operations.
In multiple years HALL reported negative net income over the last 5 years.
In multiple years HALL reported negative operating cash flow during the last 5 years.
HALL Yearly Net Income VS EBIT VS OCF VS FCFHALL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 50M -50M -100M -150M

1.2 Ratios

HALL's Return On Assets of -7.30% is on the low side compared to the rest of the industry. HALL is outperformed by 90.91% of its industry peers.
Industry RankSector Rank
ROA -7.3%
ROE N/A
ROIC N/A
ROA(3y)-4.25%
ROA(5y)-2.4%
ROE(3y)-76.81%
ROE(5y)-45.33%
ROIC(3y)N/A
ROIC(5y)N/A
HALL Yearly ROA, ROE, ROICHALL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 -50 -100 -150

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for HALL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HALL Yearly Profit, Operating, Gross MarginsHALL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 -20 -40 -60

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2. Health

2.1 Basic Checks

HALL does not have a ROIC to compare to the WACC, probably because it is not profitable.
HALL has about the same amout of shares outstanding than it did 1 year ago.
The debt/assets ratio for HALL is higher compared to a year ago.
HALL Yearly Shares OutstandingHALL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 500K 1M 1.5M
HALL Yearly Total Debt VS Total AssetsHALL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B

2.2 Solvency

Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.59%
HALL Yearly LT Debt VS Equity VS FCFHALL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 100M -100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HALL Yearly Current Assets VS Current LiabilitesHALL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M

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3. Growth

3.1 Past

The earnings per share for HALL have decreased strongly by -3611.89% in the last year.
The Revenue has decreased by -3.94% in the past year.
The Revenue for HALL have been decreasing by -16.39% on average. This is quite bad
EPS 1Y (TTM)-3611.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%43.1%
Revenue 1Y (TTM)-3.94%
Revenue growth 3Y-30.98%
Revenue growth 5Y-16.39%
Sales Q2Q%9.69%

3.2 Future

Based on estimates for the next years, HALL will show a very strong growth in Earnings Per Share. The EPS will grow by 39.71% on average per year.
HALL is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -14.10% yearly.
EPS Next Y82.71%
EPS Next 2Y39.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-30.73%
Revenue Next 2Y-14.1%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
HALL Yearly Revenue VS EstimatesHALL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
HALL Yearly EPS VS EstimatesHALL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40

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4. Valuation

4.1 Price/Earnings Ratio

HALL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for HALL. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
HALL Price Earnings VS Forward Price EarningsHALL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HALL Per share dataHALL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

HALL's earnings are expected to grow with 39.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y39.71%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

HALL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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HALLMARK FINL SERVICES INC

NASDAQ:HALL (1/4/2024, 8:03:29 PM)

After market: 0.79 -0.03 (-3.66%)

0.82

-0.11 (-11.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14 2023-11-14/amc
Earnings (Next)03-26 2024-03-26/amc
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners23.34%
Ins Owner Change0%
Market Cap1.49M
Analysts43.33
Price Target6.12 (646.34%)
Short Float %0.09%
Short Ratio0.05
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.94%
Min Revenue beat(2)-11.18%
Max Revenue beat(2)5.29%
Revenue beat(4)2
Avg Revenue beat(4)3.53%
Min Revenue beat(4)-11.18%
Max Revenue beat(4)30.73%
Revenue beat(8)2
Avg Revenue beat(8)-23.1%
Revenue beat(12)4
Avg Revenue beat(12)-26.69%
Revenue beat(16)7
Avg Revenue beat(16)-18.9%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.01
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-53.08
EYN/A
EPS(NY)-2.55
Fwd EYN/A
FCF(TTM)-144.92
FCFYN/A
OCF(TTM)-144.44
OCFYN/A
SpS91.15
BVpS-4.29
TBVpS-4.29
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.3%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-4.25%
ROA(5y)-2.4%
ROE(3y)-76.81%
ROE(5y)-45.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91.67%
Cap/Sales 0.53%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC2.59%
ROIC/WACCN/A
Cap/Depr(3y)67.19%
Cap/Depr(5y)64.09%
Cap/Sales(3y)0.89%
Cap/Sales(5y)0.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3611.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%43.1%
EPS Next Y82.71%
EPS Next 2Y39.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.94%
Revenue growth 3Y-30.98%
Revenue growth 5Y-16.39%
Sales Q2Q%9.69%
Revenue Next Year-30.73%
Revenue Next 2Y-14.1%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y9.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-778.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-742.42%
OCF growth 3YN/A
OCF growth 5YN/A