Conifer (CNFR) versus Hallmark Financial Services (NASDAQ:HALL) Head to Head Survey

Conifer (NASDAQ: CNFR) and Hallmark Financial Services (NASDAQ:HALL) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, risk, institutional ownership, profitability and analyst recommendations.

Insider and Institutional Ownership

28.2% of Conifer shares are held by institutional investors. Comparatively, 65.0% of Hallmark Financial Services shares are held by institutional investors. 45.5% of Conifer shares are held by insiders. Comparatively, 28.7% of Hallmark Financial Services shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Conifer and Hallmark Financial Services’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Conifer -27.29% -43.07% -12.67%
Hallmark Financial Services -1.19% -0.42% -0.09%

Earnings & Valuation

This table compares Conifer and Hallmark Financial Services’ gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Conifer $93.88 million 0.56 -$8.43 million ($3.42) -1.81
Hallmark Financial Services $375.95 million 0.49 $6.52 million ($0.26) -39.34

Hallmark Financial Services has higher revenue and earnings than Conifer. Hallmark Financial Services is trading at a lower price-to-earnings ratio than Conifer, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings and target prices for Conifer and Hallmark Financial Services, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Conifer 0 1 0 0 2.00
Hallmark Financial Services 0 1 0 0 2.00

Volatility & Risk

Conifer has a beta of 1.01, indicating that its share price is 1% more volatile than the S&P 500. Comparatively, Hallmark Financial Services has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500.

Summary

Hallmark Financial Services beats Conifer on 7 of the 10 factors compared between the two stocks.

About Conifer

Conifer Holdings, Inc. is an insurance holding company. Through its insurance company subsidiaries, the Company offers insurance coverage in both specialty commercial and specialty personal product lines. It operates through two segments: commercial lines and personal lines. It is engaged in underwriting and marketing insurance coverage, and administering claims processing for such policies. The Company offers coverage for property, liability, automobile, and other miscellaneous coverage primarily to owner-operated small and mid-sized businesses, professional organizations and hospitality businesses, such as restaurants, bars and taverns. The Company offers coverage for low-value dwelling, wind-exposed homeowners and automobile. Its personal lines products include Catastrophe coverage, including hurricane and wind coverage, to underserved homeowners in Florida, Hawaii and Texas, and Dwelling insurance.

About Hallmark Financial Services

Hallmark Financial Services, Inc. is an insurance holding company. The Company markets, distributes, underwrites and services its property/casualty insurance products to businesses and individuals. Its business involves marketing, distributing, underwriting and servicing insurance products, as well as providing other insurance related services. Its segments include Standard Commercial Segment, Specialty Commercial Segment and Personal Segment. The Company’s Standard Commercial P&C operating unit primarily underwrites low-severity, short-tailed commercial property/casualty insurance products in the standard market. The Company reinsures a portion of the risk it underwrites in order to control the exposure to losses and to protect capital resources. Its Workers Compensation operating unit specializes in small and middle market workers compensation business. Its Specialty Commercial operating unit offers general aviation and satellite launch insurance products and services.

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