United Fire Group (UFCS) Stock Price, News & Analysis

Company Overview

United Fire Group, Inc. (NASDAQ: UFCS) is a publicly traded holding company for a group of property and casualty insurers headquartered in Cedar Rapids, Iowa. Founded in 1946, the company operates through its primary subsidiaries—United Fire & Casualty Company, State Casualty Insurance Company, Union Insurance Company and Southern Insurance Company—to provide insurance solutions across the United States. Over its history, United Fire Group has built a reputation for underwriting discipline and a mutual‐inspired approach to risk management.

The company’s core business centers on commercial and personal lines insurance for small to medium‐sized businesses and individual policyholders. Its product portfolio includes general liability, commercial property, commercial automobile, workers’ compensation, inland marine, umbrella liability and select personal lines coverage. United Fire Group emphasizes flexible policy structures, targeted risk assessments and responsive claims handling, aiming to meet the unique needs of contractors, retailers, service providers and other niche segments.

United Fire Group distributes its products through a nationwide network of independent agencies and managing general agents, supported by a team of field representatives and underwriting specialists. This agent‐centric model allows the company to maintain close partnerships with distribution channels while leveraging data analytics and technology to streamline underwriting and enhance customer service. The company’s operations span all 50 states, with regional offices that enable local market expertise and rapid response to client needs.

Governed by a board of directors with extensive insurance industry experience, United Fire Group is led by an executive management team that focuses on long‐term growth, operational efficiency and maintaining strong financial reserves. The company’s commitment to disciplined underwriting, agent collaboration and service excellence has helped it sustain consistent performance and adapt to evolving market dynamics.

Key Stats

• Today's Range: $27.22 to $27.22
• 50-Day Range: $27.26 to $28.83
• 52-Week Range: $18.04 to $31.70
• Volume: 1,700 shs
• Average Volume: 123,915 shs
• Market Capitalization: $688.86 million
• P/E Ratio: 10.70
• Dividend Yield: 2.36%
• Price Target: $30.00
• Consensus Rating: Moderate Buy

United Fire Group Stock Analysis - MarketRank™

United Fire Group scored higher than 64% of companies evaluated by MarketBeat, and ranked 521st out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

United Fire Group has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

United Fire Group has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 9.50%

Earnings Growth

Earnings for United Fire Group are expected to grow by 9.50% in the coming year, from $2.42 to $2.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Fire Group is 10.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.03.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Fire Group is 10.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Book Value per Share Ratio

United Fire Group has a P/B Ratio of 0.89. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.98% of the float of United Fire Group has been sold short.

Short Interest Ratio / Days to Cover

United Fire Group has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Fire Group has recently decreased by 2.64%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

United Fire Group pays a meaningful dividend of 2.32%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Fire Group does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Fire Group is 25.30%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, United Fire Group will have a dividend payout ratio of 24.15% next year. This indicates that United Fire Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.98% of the float of United Fire Group has been sold short.

Short Interest Ratio / Days to Cover

United Fire Group has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Fire Group has recently decreased by 2.64%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.53

News Sentiment

United Fire Group has a news sentiment score of 0.53. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for United Fire Group this week, compared to 3 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Fire Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 6.12% of the stock of United Fire Group is held by insiders.

Percentage Held by Institutions

62.68% of the stock of United Fire Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UFCS Stock Analysis - Frequently Asked Questions

How have UFCS shares performed this year?

United Fire Group's stock was trading at $28.45 on January 1st, 2025. Since then, UFCS stock has decreased by 3.3% and is now trading at $27.51.

How were United Fire Group's earnings last quarter?

United Fire Group, Inc (NASDAQ:UFCS) released its earnings results on Tuesday, May, 6th. The insurance provider reported $0.70 earnings per share for the quarter, beating the consensus estimate of $0.62 by $0.08. The insurance provider had revenue of $308.41 million for the quarter, compared to analysts' expectations of $336.18 million. United Fire Group had a net margin of 5.13% and a trailing twelve-month return on equity of 9.01%.
Read the conference call transcript.

How do I buy shares of United Fire Group?

Shares of UFCS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Fire Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Fire Group investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), DiamondRock Hospitality (DRH), AU Optronics (AUOTY), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 5/06/2025
• Record date for 6/20 Dividend: 6/06/2025
• Ex-Dividend for 6/20 Dividend: 6/06/2025
• Dividend Payable: 6/20/2025
• Today: 7/10/2025
• Next Earnings (Estimated): 8/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NASDAQ:UFCS
• CIK: 101199
• Web: www.ufginsurance.com
• Phone: (319) 399-5700
• Fax: 319-399-5499
• Employees: 1,090
• Year Founded: 1937

Price Target and Rating

• Average Price Target for United Fire Group: $30.00
• High Price Target: $32.00
• Low Price Target: $28.00
• Potential Upside/Downside: +9.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.53
• Trailing P/E Ratio: 10.87
• Forward P/E Ratio: 11.37
• P/E Growth: N/A
• Net Income: $61.96 million
• Net Margins: 5.13%
• Pretax Margin: 6.41%
• Return on Equity: 9.01%
• Return on Assets: 2.01%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.34
• Quick Ratio: 0.34

Sales & Book Value

• Annual Sales: $1.25 billion
• Price / Sales: 0.56
• Cash Flow: $3.01 per share
• Price / Cash Flow: 9.13
• Book Value: $30.84 per share
• Price / Book: 0.89

Miscellaneous

• Outstanding Shares: 25,450,000
• Free Float: 23,893,000
• Market Cap: $700.13 million
• Optionable: Optionable
• Beta: 0.50