Stock Scorecard
Stock Summary for United Fire Group Inc (UFCS) - $48.13 as of 5/22/2026 1:43:05 PM EST
Total Score
21 out of 30
Safety Score
52 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for UFCS
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UFCS
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UFCS
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UFCS
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UFCS (52 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 3 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UFCS
Financial Details for UFCS
Company Overview |
|
|---|---|
| Ticker | UFCS |
| Company Name | United Fire Group Inc |
| Country | USA |
| Description | United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | INSURANCE - PROPERTY & CASUALTY |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 48.13 |
| Price 4 Years Ago | 25.19 |
| Last Day Price Updated | 5/22/2026 1:43:05 PM EST |
| Last Day Volume | 165,761 |
| Average Daily Volume | 121,880 |
| 52-Week High | 49.94 |
| 52-Week Low | 25.41 |
| Last Price to 52 Week Low | 89.41% |
Valuation Measures |
|
| Trailing PE | 9.51 |
| Industry PE | 9.44 |
| Sector PE | 17.97 |
| 5-Year Average PE | 11.70 |
| Free Cash Flow Ratio | 7.62 |
| Industry Free Cash Flow Ratio | 69.96 |
| Sector Free Cash Flow Ratio | 40.68 |
| Current Ratio Most Recent Quarter | 0.06 |
| Total Cash Per Share | 6.32 |
| Book Value Per Share Most Recent Quarter | 36.88 |
| Price to Book Ratio | 1.30 |
| Industry Price to Book Ratio | 1.81 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 0.85 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.32 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.88 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 25,656,200 |
| Market Capitalization | 1,234,832,906 |
| Institutional Ownership | 68.75% |
Dividends |
|
| Ex-Dividend Date | 6/5/2026 |
| Previous Dividend Amount | 0.2000 |
| Current Dividend Amount | 0.2000 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.68 |
| Trailing Annual Dividend Yield | 1.44% |
| Forward Annual Dividend Rate | 0.80 |
| Forward Annual Dividend Yield | 1.70% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 25.00% |
| 3-Year Dividend Growth Rate Percentage | 11.80% |
| 5-Year Dividend Growth Rate Percentage | 6.15% |
| All-Time Dividend Growth Rate Percentage | 4.78% |
| Dividend Payout Ratio | 13.82% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 71.60% |
| Annual Earnings Growth | 90.76% |
| Reported EPS 12 Trailing Months | 4.96 |
| Reported EPS Past Year | 1.16 |
| Reported EPS Prior Year | 4.60 |
| Net Income Twelve Trailing Months | 130,543,000 |
| Net Income Past Year | 118,191,000 |
| Net Income Prior Year | 61,957,000 |
| Quarterly Revenue Growth YOY | 11.60% |
| 5-Year Revenue Growth | 5.16% |
| Operating Margin Twelve Trailing Months | 11.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 162,029,000 |
| Total Cash Past Year | 156,332,000 |
| Total Cash Prior Year | 200,949,000 |
| Net Cash Position Most Recent Quarter | 15,829,000 |
| Net Cash Position Past Year | 10,132,000 |
| Long Term Debt Past Year | 146,200,000 |
| Long Term Debt Prior Year | 117,059,000 |
| Total Debt Most Recent Quarter | 146,200,000 |
| Equity to Debt Ratio Past Year | 0.87 |
| Equity to Debt Ratio Most Recent Quarter | 0.87 |
| Total Stockholder Equity Past Year | 941,170,000 |
| Total Stockholder Equity Prior Year | 781,531,000 |
| Total Stockholder Equity Most Recent Quarter | 950,614,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 286,362,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 11.16 |
| Free Cash Flow Past Year | 263,297,000 |
| Free Cash Flow Prior Year | 328,434,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 2.60 |
| MACD Signal | 2.34 |
| 20-Day Bollinger Lower Band | 30.87 |
| 20-Day Bollinger Middle Band | 39.14 |
| 20-Day Bollinger Upper Band | 47.41 |
| Beta | 0.50 |
| RSI | 71.62 |
| 50-Day SMA | 34.03 |
| 150-Day SMA | 26.13 |
| 200-Day SMA | 26.02 |
System |
|
| Modified | 5/23/2026 9:24:56 AM EST |