Hallmark Financial Services, Inc. Logo

Hallmark Financial Services, Inc.

HALL

(0.8)
Stock Price

0,00 USD

-3.06% ROA

-1447.56% ROE

-0x PER

Market Cap.

182,00 USD

-1357.81% DER

0% Yield

-39.87% NPM

Hallmark Financial Services, Inc. Stock Analysis

Hallmark Financial Services, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Hallmark Financial Services, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.28x), the stock offers substantial upside potential at a bargain price.

2 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

3 ROE

Negative ROE (-272.6%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (-8.84%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

5 DER

The stock is burdened with a heavy load of debt (851%), making it financially unstable and potentially risky for investors.

6 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

7 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-125) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Hallmark Financial Services, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Hallmark Financial Services, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Hallmark Financial Services, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Hallmark Financial Services, Inc. Revenue
Year Revenue Growth
1989 200.000
1990 3.200.000 93.75%
1991 10.100.000 68.32%
1992 14.000.000 27.86%
1993 12.000.000 -16.67%
1994 11.900.000 -0.84%
1995 13.795.903 13.74%
1996 15.435.462 10.62%
1997 15.827.105 2.47%
1998 16.587.550 4.58%
1999 19.200.694 13.61%
2000 23.885.406 19.61%
2001 22.002.000 -8.56%
2002 25.797.000 14.71%
2003 69.559.000 62.91%
2004 63.121.000 -10.2%
2005 87.035.000 27.48%
2006 202.741.000 57.07%
2007 274.498.000 26.14%
2008 268.690.000 -2.16%
2009 287.039.000 6.39%
2010 307.060.000 6.52%
2011 322.771.000 4.87%
2012 341.800.000 5.57%
2013 389.428.000 12.23%
2014 337.366.000 -15.43%
2015 372.402.000 9.41%
2016 375.952.000 0.94%
2017 385.521.000 2.48%
2018 379.268.000 -1.65%
2019 486.371.000 22.02%
2020 478.745.000 -1.59%
2021 404.703.000 -18.3%
2022 159.918.000 -153.07%
2023 167.596.000 4.58%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Hallmark Financial Services, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1989 0
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Hallmark Financial Services, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1989 0
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Hallmark Financial Services, Inc. EBITDA
Year EBITDA Growth
1989 -400.000
1990 -600.000 33.33%
1991 1.300.000 146.15%
1992 -500.000 360%
1993 900.000 155.56%
1994 1.100.000 18.18%
1995 1.791.410 38.6%
1996 1.933.905 7.37%
1997 42.064 -4497.53%
1998 1.008.888 95.83%
1999 2.227.343 54.7%
2000 1.180.846 -88.62%
2001 -357.000 430.77%
2002 -480.000 25.63%
2003 10.662.000 104.5%
2004 9.116.000 -16.96%
2005 15.145.000 39.81%
2006 32.962.000 54.05%
2007 48.134.000 31.52%
2008 29.038.000 -65.76%
2009 41.912.000 30.72%
2010 17.508.000 -139.39%
2011 -10.042.000 274.35%
2012 12.105.000 182.96%
2013 19.979.000 39.41%
2014 26.582.000 24.84%
2015 39.308.000 32.38%
2016 16.921.000 -132.3%
2017 -7.345.000 330.37%
2018 22.489.000 132.66%
2019 4.277.000 -425.81%
2020 -111.754.000 103.83%
2021 11.936.000 1036.28%
2022 42.596.000 71.98%
2023 -66.644.000 163.92%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Hallmark Financial Services, Inc. Gross Profit
Year Gross Profit Growth
1989 200.000
1990 3.200.000 93.75%
1991 10.100.000 68.32%
1992 14.000.000 27.86%
1993 12.000.000 -16.67%
1994 11.900.000 -0.84%
1995 13.795.903 13.74%
1996 15.435.462 10.62%
1997 15.827.105 2.47%
1998 16.587.550 4.58%
1999 19.200.694 13.61%
2000 23.885.406 19.61%
2001 22.002.000 -8.56%
2002 25.797.000 14.71%
2003 69.559.000 62.91%
2004 63.121.000 -10.2%
2005 87.035.000 27.48%
2006 116.865.000 25.53%
2007 177.933.000 34.32%
2008 268.690.000 33.78%
2009 287.039.000 6.39%
2010 307.060.000 6.52%
2011 224.187.000 -36.97%
2012 246.239.000 8.96%
2013 282.050.000 12.7%
2014 333.780.000 15.5%
2015 368.816.000 9.5%
2016 373.484.000 1.25%
2017 383.053.000 2.5%
2018 379.268.000 -1%
2019 486.371.000 22.02%
2020 478.745.000 -1.59%
2021 404.703.000 -18.3%
2022 159.918.000 -153.07%
2023 167.596.000 4.58%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Hallmark Financial Services, Inc. Net Profit
Year Net Profit Growth
1989 -400.000
1990 -900.000 55.56%
1991 600.000 250%
1992 -1.000.000 160%
1993 400.000 350%
1994 600.000 33.33%
1995 1.254.757 52.18%
1996 1.049.767 -19.53%
1997 -540.251 294.31%
1998 -46.586 -1059.69%
1999 787.310 105.92%
2000 -233.370 437.37%
2001 -1.130.000 79.35%
2002 -1.671.000 32.38%
2003 8.745.000 119.11%
2004 5.849.000 -49.51%
2005 9.186.000 36.33%
2006 9.191.000 0.05%
2007 27.429.000 66.49%
2008 12.899.000 -112.64%
2009 24.575.000 47.51%
2010 7.334.000 -235.08%
2011 -10.821.000 167.78%
2012 3.524.000 407.07%
2013 8.245.000 57.26%
2014 13.429.000 38.6%
2015 21.863.000 38.58%
2016 6.526.000 -235.01%
2017 -11.553.000 156.49%
2018 10.347.000 211.66%
2019 -625.000 1755.52%
2020 -91.655.000 99.32%
2021 9.004.000 1117.94%
2022 -134.927.000 106.67%
2023 -86.032.000 -56.83%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Hallmark Financial Services, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1989 -2
1990 -5 60%
1991 4 266.67%
1992 -5 160%
1993 2 350%
1994 4 33.33%
1995 7 50%
1996 6 0%
1997 -3 300%
1998 0 0%
1999 4 100%
2000 -1 500%
2001 -6 83.33%
2002 -9 33.33%
2003 28 132.14%
2004 8 -250%
2005 8 -14.29%
2006 5 -40%
2007 13 61.54%
2008 6 -116.67%
2009 12 45.45%
2010 4 -266.67%
2011 -6 160%
2012 2 600%
2013 4 75%
2014 7 42.86%
2015 11 36.36%
2016 4 -266.67%
2017 -6 150%
2018 6 220%
2019 0 0%
2020 -51 100%
2021 5 1350%
2022 -1 0%
2023 -47 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Hallmark Financial Services, Inc. Free Cashflow
Year Free Cashflow Growth
1990 -2.900.000
1991 -400.000 -625%
1992 800.000 150%
1993 900.000 11.11%
1994 2.200.000 59.09%
1995 8.080.133 72.77%
1996 -964.214 938%
1997 2.983.294 132.32%
1998 -1.529.668 295.03%
1999 4.745.114 132.24%
2000 5.865.522 19.1%
2001 -1.654.000 454.63%
2002 1.695.000 197.58%
2003 223.000 -660.09%
2004 6.927.000 96.78%
2005 29.010.000 76.12%
2006 75.483.000 61.57%
2007 79.882.000 5.51%
2008 45.177.000 -76.82%
2009 60.435.000 25.25%
2010 34.585.000 -74.74%
2011 23.024.000 -50.21%
2012 33.575.000 31.43%
2013 67.665.000 50.38%
2014 33.138.000 -104.19%
2015 49.328.000 32.82%
2016 26.514.000 -86.05%
2017 4.494.000 -489.99%
2018 -35.036.000 112.83%
2019 23.482.000 249.2%
2020 -70.994.000 133.08%
2021 41.858.000 269.61%
2022 -167.315.000 125.02%
2023 -109.134.000 -53.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Hallmark Financial Services, Inc. Operating Cashflow
Year Operating Cashflow Growth
1990 -2.900.000
1991 -400.000 -625%
1992 800.000 150%
1993 900.000 11.11%
1994 2.200.000 59.09%
1995 8.264.673 73.38%
1996 -624.691 1423%
1997 3.043.065 120.53%
1998 -1.457.137 308.84%
1999 4.825.724 130.2%
2000 6.102.595 20.92%
2001 -1.386.000 540.3%
2002 1.949.000 171.11%
2003 699.000 -178.83%
2004 7.316.000 90.45%
2005 29.542.000 75.24%
2006 76.168.000 61.21%
2007 80.337.000 5.19%
2008 46.296.000 -73.53%
2009 61.698.000 24.96%
2010 36.360.000 -69.69%
2011 24.610.000 -47.74%
2012 33.682.000 26.93%
2013 68.338.000 50.71%
2014 33.684.000 -102.88%
2015 52.936.000 36.37%
2016 30.854.000 -71.57%
2017 7.199.000 -328.59%
2018 -32.935.000 121.86%
2019 27.670.000 219.03%
2020 -69.327.000 139.91%
2021 43.768.000 258.4%
2022 -164.957.000 126.53%
2023 -109.111.000 -51.18%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Hallmark Financial Services, Inc. Capital Expenditure
Year Capital Expenditure Growth
1990 0
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 184.540 100%
1996 339.523 45.65%
1997 59.771 -468.04%
1998 72.531 17.59%
1999 80.610 10.02%
2000 237.073 66%
2001 268.000 11.54%
2002 254.000 -5.51%
2003 476.000 46.64%
2004 389.000 -22.37%
2005 532.000 26.88%
2006 685.000 22.34%
2007 455.000 -50.55%
2008 1.119.000 59.34%
2009 1.263.000 11.4%
2010 1.775.000 28.85%
2011 1.586.000 -11.92%
2012 107.000 -1382.24%
2013 673.000 84.1%
2014 546.000 -23.26%
2015 3.608.000 84.87%
2016 4.340.000 16.87%
2017 2.705.000 -60.44%
2018 2.101.000 -28.75%
2019 4.188.000 49.83%
2020 1.667.000 -151.23%
2021 1.910.000 12.72%
2022 2.358.000 19%
2023 23.000 -10152.17%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Hallmark Financial Services, Inc. Equity
Year Equity Growth
1989 1.700.000
1990 9.000.000 81.11%
1991 9.000.000 0%
1992 8.200.000 -9.76%
1993 8.500.000 3.53%
1994 9.100.000 6.59%
1995 10.371.597 12.26%
1996 11.421.364 9.19%
1997 10.881.113 -4.97%
1998 10.934.248 0.49%
1999 11.716.759 6.68%
2000 11.487.396 -2%
2001 10.368.000 -10.8%
2002 8.535.000 -21.48%
2003 27.397.000 68.85%
2004 32.656.000 16.1%
2005 85.188.000 61.67%
2006 150.731.000 43.48%
2007 179.187.000 15.88%
2008 180.149.000 0.53%
2009 227.641.000 20.86%
2010 237.123.000 4%
2011 217.411.000 -9.07%
2012 220.537.000 1.42%
2013 238.118.000 7.38%
2014 252.037.000 5.52%
2015 262.026.000 3.81%
2016 265.736.000 1.4%
2017 251.118.000 -5.82%
2018 255.532.000 1.73%
2019 263.282.000 2.94%
2020 170.922.000 -54.04%
2021 175.521.000 2.62%
2022 60.294.000 -191.11%
2023 -7.768.000 876.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Hallmark Financial Services, Inc. Assets
Year Assets Growth
1989 1.800.000
1990 24.600.000 92.68%
1991 21.800.000 -12.84%
1992 22.600.000 3.54%
1993 31.300.000 27.8%
1994 40.700.000 23.1%
1995 60.510.351 32.74%
1996 53.763.762 -12.55%
1997 59.820.491 10.12%
1998 49.620.953 -20.55%
1999 61.002.233 18.66%
2000 79.057.814 22.84%
2001 73.605.000 -7.41%
2002 82.829.000 11.14%
2003 83.853.000 1.22%
2004 82.511.000 -1.63%
2005 208.906.000 60.5%
2006 415.953.000 49.78%
2007 606.314.000 31.4%
2008 538.398.000 -12.61%
2009 628.869.000 14.39%
2010 736.620.000 14.63%
2011 746.913.000 1.38%
2012 790.468.000 5.51%
2013 909.023.000 13.04%
2014 980.869.000 7.32%
2015 1.076.600.000 8.89%
2016 1.162.460.000 7.39%
2017 1.231.126.000 5.58%
2018 1.264.894.000 2.67%
2019 1.495.274.000 15.41%
2020 1.485.533.000 -0.66%
2021 1.553.598.000 4.38%
2022 1.536.702.000 -1.1%
2023 1.092.922.000 -40.6%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Hallmark Financial Services, Inc. Liabilities
Year Liabilities Growth
1989 100.000
1990 15.600.000 99.36%
1991 12.800.000 -21.88%
1992 14.400.000 11.11%
1993 22.800.000 36.84%
1994 31.600.000 27.85%
1995 50.138.754 36.97%
1996 42.342.398 -18.41%
1997 48.939.378 13.48%
1998 38.686.705 -26.5%
1999 49.285.474 21.5%
2000 67.570.418 27.06%
2001 63.237.000 -6.85%
2002 74.294.000 14.88%
2003 56.456.000 -31.6%
2004 49.855.000 -13.24%
2005 123.718.000 59.7%
2006 265.222.000 53.35%
2007 427.127.000 37.91%
2008 358.249.000 -19.23%
2009 401.228.000 10.71%
2010 499.497.000 19.67%
2011 529.502.000 5.67%
2012 569.931.000 7.09%
2013 670.905.000 15.05%
2014 728.832.000 7.95%
2015 814.574.000 10.53%
2016 896.724.000 9.16%
2017 980.008.000 8.5%
2018 1.009.362.000 2.91%
2019 1.231.992.000 18.07%
2020 1.314.611.000 6.28%
2021 1.378.077.000 4.61%
2022 1.476.408.000 6.66%
2023 1.100.690.000 -34.13%

Hallmark Financial Services, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
46.1
Net Income per Share
-18.38
Price to Earning Ratio
-0x
Price To Sales Ratio
0x
POCF Ratio
-0
PFCF Ratio
-0
Price to Book Ratio
-0
EV to Sales
0.36
EV Over EBITDA
-1.05
EV to Operating CashFlow
-0.26
EV to FreeCashFlow
-0.26
Earnings Yield
-183811.88
FreeCashFlow Yield
-624269.23
Market Cap
0,00 Bil.
Enterprise Value
0,03 Bil.
Graham Number
42.04
Graham NetNet
-148.1

Income Statement Metrics

Net Income per Share
-18.38
Income Quality
3.29
ROE
-14.48
Return On Assets
-0.03
Return On Capital Employed
-0.03
Net Income per EBT
0.98
EBT Per Ebit
1.19
Ebit per Revenue
-0.34
Effective Tax Rate
-0.01

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
-0.34
Pretax Profit Margin
-0.41
Net Profit Margin
-0.4

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-62.26
Free CashFlow per Share
-62.5
Capex to Operating CashFlow
-0
Capex to Revenue
0.01
Capex to Depreciation
0.5
Return on Invested Capital
-0.3
Return on Tangible Assets
-0.03
Days Sales Outstanding
2834.24
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.13
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.24

Balance Sheet

Cash per Share
188,86
Book Value per Share
-4,27
Tangible Book Value per Share
-4.27
Shareholders Equity per Share
-4.27
Interest Debt per Share
60.2
Debt to Equity
-13.58
Debt to Assets
0.1
Net Debt to EBITDA
-1.05
Current Ratio
4020.17
Tangible Asset Value
-0,01 Bil.
Net Current Asset Value
-0,75 Bil.
Invested Capital
345649000
Working Capital
0,35 Bil.
Intangibles to Total Assets
0
Average Receivables
0,65 Bil.
Average Payables
0,18 Bil.
Average Inventory
0
Debt to Market Cap
579532.97

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Hallmark Financial Services, Inc. Dividends
Year Dividends Growth

Hallmark Financial Services, Inc. Profile

About Hallmark Financial Services, Inc.

Hallmark Financial Services, Inc. underwrites, markets, distributes, and services property/casualty insurance products to businesses and individuals in the United States. The company operates through Specialty Commercial, Standard Commercial, and Personal segments. The Specialty Commercial segment offers primary and excess commercial vehicle insurance products and services; primary and excess liability, excess public entity liability, and E&S package and garage liability insurance products and services; primary and excess commercial property insurance for catastrophe and non-catastrophe exposures; healthcare and financial lines professional liability insurance products and services primarily for businesses, medical professionals, medical facilities, and senior care facilities; and satellite launch property/casualty insurance products and services, as well as various specialty programs. The Standard Commercial segment provides package and monoline property/casualty insurance products and services. The Personal segment offers non-standard personal automobile and renters insurance products and services. It markets its insurance products through independent general agents, retail agents, and specialty brokers. The company was incorporated in 1987 and is headquartered in Dallas, Texas.

CEO
Mr. Christopher James Kenney C
Employee
257
Address
Two Lincoln Centre
Dallas, 75240-2345

Hallmark Financial Services, Inc. Executives & BODs

Hallmark Financial Services, Inc. Executives & BODs
# Name Age
1 Ms. Raina Mills
Senior Vice President of Policy Services - Personal Lines
70
2 Ms. Pavinee Hat
Chief Human Resources Officer
70
3 Mr. Christopher James Kenney CPA
President, Chief Executive Officer, Chief Financial Officer & Secretary
70
4 Mr. Chuck Mitzel FCAS, MAAA
Vice President & Senior Actuary
70
5 Mr. Chris A. Miller C.P.C.U.
Chief Claims Officer for Commercial Lines & Personal Lines
70

Hallmark Financial Services, Inc. Competitors