James Graves - Hallmark Financial Independent Director

HALLDelisted Stock  USD 0.69  0.11  13.75%   

Director

Mr. James H. Graves is Independent Director of Hallmark Financial Services, Inc. He has also served as Chairman and a director of Medaxion, Inc., a healthcare technology company providing realtime anesthesia intelligence solutions, since 2010 and as a director and partner of BankCap Partners, a private equity firm focused on the U.S. financial services sector, since 2006. From 2002 until 2006, Mr. Graves was a director, Vice Chairman and Chief Operating Officer of Detwiler, Mitchell Co., a securities research firm. Prior to 2002, he served as a senior executive in Dean Witter Reynolds Investment Banking Division and as the Chief Operating Officer of J.C. Bradford Company since 1995.
Age 69
Tenure 29 years
Phone817 348 1600
Webhttps://www.hallmarkgrp.com
Graves also presently serves as a director of FirstCash, Inc., a leading operator of retailbased pawn stores; and Atlantic Capital Bancshares, Inc., a bank holding company. Within the past five years, Mr. Graves has served as a director of Cash America International, Inc., a company operating pawn shops and jewelry stores which merged with FirstCash during 2016; and TriState Capital Holdings, Inc., a bank holding company. The Board believes Mr. Graves should serve as a director due to his executive leadership and management experience in several businesses, including large corporations and businesses within the financial services industry, his over 30 years of experience analyzing financial statements, and his experience as a director of both private and public companies, including his service as chairman of the audit committee of another public company.

Hallmark Financial Management Efficiency

The company has return on total asset (ROA) of (0.0455) % which means that it has lost $0.0455 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (3.575) %, meaning that it created substantial loss on money invested by shareholders. Hallmark Financial's management efficiency ratios could be used to measure how well Hallmark Financial manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 105.36 M in liabilities with Debt to Equity (D/E) ratio of 1.25, which is about average as compared to similar companies. Hallmark Financial has a current ratio of 0.63, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Debt can assist Hallmark Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Hallmark Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Hallmark Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Hallmark to invest in growth at high rates of return. When we think about Hallmark Financial's use of debt, we should always consider it together with cash and equity.

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Hallmark Financial Services, Inc. underwrites, markets, distributes, and services propertycasualty insurance products to businesses and individuals in the United States. The company was incorporated in 1987 and is headquartered in Dallas, Texas. Hallmark Fin operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. It employs 406 people. Hallmark Financial Services [HALL] is a Pink Sheet which is traded through a dealer network over-the-counter (OTC). Hallmark Financial is listed under Insurance category by Fama And French industry classification.

Management Performance

Hallmark Financial Leadership Team

Elected by the shareholders, the Hallmark Financial's board of directors comprises two types of representatives: Hallmark Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Hallmark. The board's role is to monitor Hallmark Financial's management team and ensure that shareholders' interests are well served. Hallmark Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Hallmark Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Mark Schwarz, Executive Chairman
Peter McKeegan, VP Liability
Christopher CPA, CFO Pres
William Dunn, VP Officer
Kevin Kasitz, Executive VP and President of Personal Segment and President of Standard Commercial and COO - Millers General Agency Inc
Jeffrey Passmore, Principal Financial Officer, Chief Accounting Officer and Sr. VP
Mark Pape, Independent Director
Tarek Timol, Chief Operations
Janet Gustafson, VP Compliance
Barbara Sinclair, VP Leader
Michael Gramm, VP Auto
Jim Henderson, Independent Director
AU AIS, VP Casualty
Scott Berlin, Independent Director
James Graves, Independent Director
Naveen Anand, CEO and Pres
Pavinee Hat, Chief Officer

Hallmark Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Hallmark Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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Other Consideration for investing in Hallmark Pink Sheet

If you are still planning to invest in Hallmark Financial check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Hallmark Financial's history and understand the potential risks before investing.
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