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UFCS Stock Chart & Stats
$51.33
$0.12(0.23%)
At close: 4:00 PM EDT
$51.33
$0.12(0.23%)
Day’s Range― - ―
52-Week Range$29.74 - $55.82
Previous Close$51.45
Volume111.33K
Average Volume (3M)167.36K
Market Cap
$1.37B
Enterprise Value$1.50K
Total Cash (Recent Filing)$139.44M
Total Debt (Recent Filing)$146.35M
Price to Earnings (P/E)9.8
Beta0.77
Next Earnings
Nov 04, 2026EPS Estimate
1.19Next Dividend Ex-DateN/A
Dividend Yield1.33%
Share Statistics
EPS (TTM)5.47
Shares Outstanding25,705,439
10 Day Avg. Volume177,499
30 Day Avg. Volume167,356
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)1.02
Price to Sales (P/S)0.69
P/FCF Ratio3.64
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$58.50Price Target Upside13.97% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.52
Revenue Forecast (FY)$1.43B
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetZero reported debt and rising equity provide durable capital strength, enabling the insurer to absorb underwriting volatility and catastrophe shocks without relying on external financing. Strong reserves and low leverage support disciplined underwriting, dividend support and measured growth funding over cycles.
Underwriting ImprovementA materially improved combined ratio and record premium growth reflect sustained underwriting discipline and selective growth in core commercial lines. This strengthens long-term margin sustainability and supports management’s stated objective to sustain profitable premium growth while protecting capital and ROE targets.
Rising Investment IncomeHigher yields and meaningful investment income growth increase the durable earnings cushion from float, offsetting underwriting swings. Improved portfolio yields and disciplined fixed-income positioning enhance long-term ROE prospects and provide recurring non-underwriting earnings that stabilize cash generation over interest-rate cycles.
Bears Say
Competitive Pricing PressurePersistently modest renewal pricing suggests limited room to expand underwriting margins across key lines. Over time, competitive rate dynamics can compress loss-adjusted premiums, force tighter underwriting or reduce new business growth in targeted segments, constraining sustainable margin improvement.
Underwriting & Cash-Flow VolatilityMaterial year-to-year swings in underwriting results and episodic negative operating or free cash flow increase forecasting risk and capital strain during down cycles. This cyclicality can necessitate conservative reserving, higher capital cushions, or slower capital returns, limiting predictable shareholder cash generation.
Capital Return ConstraintsManagement prioritizes capital retention for growth and the dividend over buybacks, and ROE remains below target, signaling restrained capital returns. Over the medium term this limits aggressive shareholder distributions and suggests capital allocation is conservatively biased toward balance-sheet strength and underwriting capacity.
United Fire Group News
UFCS FAQ
What was United Fire Group’s price range in the past 12 months?
United Fire Group lowest stock price was $29.74 and its highest was $55.82 in the past 12 months.
What is United Fire Group’s market cap?
United Fire Group’s market cap is $1.37B.
When is United Fire Group’s upcoming earnings report date?
United Fire Group’s upcoming earnings report date is Nov 04, 2026 which is in 83 days.
How were United Fire Group’s earnings last quarter?
United Fire Group released its earnings results on Aug 03, 2026. The company reported $1.3 earnings per share for the quarter, beating the consensus estimate of $0.693 by $0.607.
Is United Fire Group overvalued?
According to Wall Street analysts United Fire Group’s price is currently Undervalued.
Does United Fire Group pay dividends?
United Fire Group pays a Quarterly dividend of $0.2 which represents an annual dividend yield of 1.33%. See more information on United Fire Group dividends here
What is United Fire Group’s EPS estimate?
United Fire Group’s EPS estimate is 1.19.
How many shares outstanding does United Fire Group have?
United Fire Group has 25,705,439 shares outstanding.
What happened to United Fire Group’s price movement after its last earnings report?
United Fire Group reported an EPS of $1.3 in its last earnings report, beating expectations of $0.693. Following the earnings report the stock price went up 3.014%.
Which hedge fund is a major shareholder of United Fire Group?
Currently, no hedge funds are holding shares in UFCS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Fire Group Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$58.50 (13.97% Upside)
$58.50 (13.97% Upside)
Blogger Sentiment
Neutral
UFCS Sentiment 50%
Sector Average 55%
Sector Average 55%
Hedge Fund Trend
Decreased
By 97.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $203.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▲ 0.8%
Last 30 Days ▼ 0.6%
Last 30 Days ▼ 0.6%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
95.10%
12-Months-Change
Fundamentals
Return on Equity
1.33%
Trailing 12-Months
Asset Growth
10.97%
Trailing 12-Months
Company Description
United Fire Group
Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions for both personal and commercial clients. The company's diverse portfolio includes commercial multiple peril, inland marine, and various commercial property and casualty coverages such as fire and allied lines, general liability, automobile, workers' compensation, and fidelity and surety bonds. For individuals, they offer automobile and fire and allied lines policies, including homeowners' insurance. Additionally, United Fire Group engages in assumed reinsurance. Distribution of these offerings occurs through a network of independent agencies. The firm has been providing these services since its establishment in 1946.
UFCS Company Deck
UFCS Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple record and industry-leading metrics—record net income, record net written premium, a best-in-15-years combined ratio for the quarter, and a strong increase in investment income—driven by disciplined underwriting, portfolio actions and improved investment yields. Management acknowledged competitive pressure on pricing (average renewal rate +2.9%), softness in property and some specialty lines, a modest increase in the expense ratio due to a one-time lease buyout, and unrealized investment mark-to-market impacts, but positioned these as manageable given conservative reserves, diversified distribution, and clear expense-reduction and capital priorities. Overall, positive operational and financial momentum outweighed the described headwinds.View all UFCS earnings summariesUFCS Stock 12 Month Forecast
Average Price Target
$58.50
▲(13.97% Upside)
Technical Analysis
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Ownership Overview
14.21% Insiders
15.75% Mutual Funds
1.69% Other Institutional Investors
42.66% Public Companies and
Individual Investors