Is United Fire Stock a Good Investment?
United Fire Investment Advice | UFCS |
- Examine United Fire's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research United Fire's leadership team and their track record. Good management can help United Fire navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Property & Casualty Insurance space and any emerging trends that could impact United Fire's business and its evolving consumer preferences.
- Compare United Fire's performance and market position to its competitors. Analyze how United Fire is positioned in terms of product offerings, innovation, and market share.
- Check if United Fire pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about United Fire's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in United Fire Group stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if United Fire Group is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine United Fire Stock
Researching United Fire's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 18.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.84. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. United Fire Group has Price/Earnings To Growth (PEG) ratio of 2.9. The entity last dividend was issued on the 7th of March 2025. The firm had 2:1 split on the 16th of December 2004.
To determine if United Fire is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding United Fire's research are outlined below:
| United Fire Group generated a negative expected return over the last 90 days | |
| United Fire Group currently holds 50 M in liabilities with Debt to Equity (D/E) ratio of 0.06, which may suggest the company is not taking enough advantage from borrowing. United Fire Group has a current ratio of 0.31, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Note, when we think about United Fire's use of debt, we should always consider it together with its cash and equity. | |
| The entity reported the previous year's revenue of 1.1 B. Net Loss for the year was (29.7 M) with profit before overhead, payroll, taxes, and interest of 86.42 M. | |
| About 66.0% of United Fire outstanding shares are owned by institutional investors | |
| Latest headline from gurufocus.com: Insider Buying George Milligan Acquires Shares of United Fire Group Inc |
United Fire Quarterly Liabilities And Stockholders Equity |
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United Fire uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in United Fire Group. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to United Fire's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 21st of February 2024 Upcoming Quarterly Report | View | |
| 13th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 21st of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact United Fire's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises United Fire's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2016-08-03 | 2016-06-30 | 0.07 | 0.08 | 0.01 | 14 | ||
2021-05-05 | 2021-03-31 | -0.06 | -0.03 | 0.03 | 50 | ||
2011-05-02 | 2011-03-31 | 0.19 | 0.16 | -0.03 | 15 | ||
2014-08-05 | 2014-06-30 | 0.31 | 0.35 | 0.04 | 12 | ||
2017-08-02 | 2017-06-30 | 0.11 | 0.05 | -0.06 | 54 | ||
2003-02-18 | 2002-12-31 | 0.25 | 0.18 | -0.07 | 28 | ||
2024-08-06 | 2024-06-30 | 0.01 | -0.07 | -0.08 | 800 | ||
2024-05-07 | 2024-03-31 | 0.48 | 0.56 | 0.08 | 16 |
United Fire Target Price Consensus
United target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. United Fire's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| One | Hold |
Most United analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand United stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of United Fire Group, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationUnited Fire Target Price Projection
United Fire's current and average target prices are 25.98 and 26.00, respectively. The current price of United Fire is the price at which United Fire Group is currently trading. On the other hand, United Fire's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
United Fire Market Quote on 26th of February 2025
Target Price
Analyst Consensus On United Fire Target Price
United Fire Analyst Ratings
United Fire's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about United Fire stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of United Fire's financials, market performance, and future outlook by experienced professionals. United Fire's historical ratings below, therefore, can serve as a valuable tool for investors.Know United Fire's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as United Fire is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading United Fire Group backward and forwards among themselves. United Fire's institutional investor refers to the entity that pools money to purchase United Fire's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Jpmorgan Chase & Co | 2024-09-30 | 199.2 K | Envestnet Asset Management Inc | 2024-09-30 | 186.9 K | Amvescap Plc. | 2024-12-31 | 180.1 K | Bank Of New York Mellon Corp | 2024-12-31 | 178.2 K | Foundry Partners, Llc | 2024-09-30 | 178.2 K | Wells Fargo & Co | 2024-12-31 | 162.8 K | Goldman Sachs Group Inc | 2024-12-31 | 155.8 K | Hotchkis & Wiley Capital Management Llc | 2024-12-31 | 153.2 K | American Century Companies Inc | 2024-12-31 | 143 K | Blackrock Inc | 2024-12-31 | 3.6 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 1.4 M |
United Fire's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 680.64 M.Market Cap |
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United Fire's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.01) | (0.01) | |
| Return On Capital Employed | (0.01) | (0.01) | |
| Return On Assets | (0.01) | (0.01) | |
| Return On Equity | (0.05) | (0.04) |
Determining United Fire's profitability involves analyzing its financial statements and using various financial metrics to determine if United Fire is a good buy. For example, gross profit margin measures United Fire's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of United Fire's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in United Fire's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of United Fire Group. Check United Fire's Beneish M Score to see the likelihood of United Fire's management manipulating its earnings.
Evaluate United Fire's management efficiency
United Fire Group has return on total asset (ROA) of 0.0159 % which means that it generated a profit of $0.0159 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0818 %, meaning that it created $0.0818 on every $100 dollars invested by stockholders. United Fire's management efficiency ratios could be used to measure how well United Fire manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to -0.01 in 2025. Return On Capital Employed is likely to gain to -0.01 in 2025. At this time, United Fire's Non Current Assets Total are comparatively stable compared to the past year. Non Currrent Assets Other is likely to gain to about 1.8 B in 2025, despite the fact that Other Assets are likely to grow to (1.5 B).| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 26.24 | 21.06 | |
| Tangible Book Value Per Share | 26.07 | 20.81 | |
| Enterprise Value Over EBITDA | (15.76) | (14.97) | |
| Price Book Value Ratio | 0.79 | 1.26 | |
| Enterprise Value Multiple | (15.76) | (14.97) | |
| Price Fair Value | 0.79 | 1.26 | |
| Enterprise Value | 408.9 M | 426.3 M |
United Fire showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Basic technical analysis of United Stock
As of the 26th of February, United Fire has the Coefficient Of Variation of 3414.47, risk adjusted performance of 0.0283, and Semi Deviation of 1.95. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Fire Group, as well as the relationship between them. Please validate United Fire Group coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and semi variance to decide if United Fire is priced more or less accurately, providing market reflects its prevalent price of 25.98 per share. Given that United Fire Group has jensen alpha of 0.0563, we advise you to double-check United Fire Group's current market performance to make sure the company can sustain itself at a future point.United Fire's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific United Fire insiders, such as employees or executives, is commonly permitted as long as it does not rely on United Fire's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases United Fire insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
United Fire's Outstanding Corporate Bonds
United Fire issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. United Fire Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most United bonds can be classified according to their maturity, which is the date when United Fire Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
Understand United Fire's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing United Fire's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0283 | |||
| Market Risk Adjusted Performance | (7.70) | |||
| Mean Deviation | 1.54 | |||
| Semi Deviation | 1.95 | |||
| Downside Deviation | 2.03 | |||
| Coefficient Of Variation | 3414.47 | |||
| Standard Deviation | 2.26 | |||
| Variance | 5.12 | |||
| Information Ratio | 0.0227 | |||
| Jensen Alpha | 0.0563 | |||
| Total Risk Alpha | 0.041 | |||
| Sortino Ratio | 0.0253 | |||
| Treynor Ratio | (7.71) | |||
| Maximum Drawdown | 13.49 | |||
| Value At Risk | (3.67) | |||
| Potential Upside | 2.87 | |||
| Downside Variance | 4.12 | |||
| Semi Variance | 3.8 | |||
| Expected Short fall | (1.60) | |||
| Skewness | 0.9573 | |||
| Kurtosis | 3.53 |
| Risk Adjusted Performance | 0.0283 | |||
| Market Risk Adjusted Performance | (7.70) | |||
| Mean Deviation | 1.54 | |||
| Semi Deviation | 1.95 | |||
| Downside Deviation | 2.03 | |||
| Coefficient Of Variation | 3414.47 | |||
| Standard Deviation | 2.26 | |||
| Variance | 5.12 | |||
| Information Ratio | 0.0227 | |||
| Jensen Alpha | 0.0563 | |||
| Total Risk Alpha | 0.041 | |||
| Sortino Ratio | 0.0253 | |||
| Treynor Ratio | (7.71) | |||
| Maximum Drawdown | 13.49 | |||
| Value At Risk | (3.67) | |||
| Potential Upside | 2.87 | |||
| Downside Variance | 4.12 | |||
| Semi Variance | 3.8 | |||
| Expected Short fall | (1.60) | |||
| Skewness | 0.9573 | |||
| Kurtosis | 3.53 |
Consider United Fire's intraday indicators
United Fire intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of United Fire stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
United Fire Corporate Filings
F4 | 25th of February 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 21st of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F5 | 14th of February 2025 The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners | ViewVerify |
| 13th of February 2025 Other Reports | ViewVerify |
United Stock media impact
Far too much social signal, news, headlines, and media speculation about United Fire that are available to investors today. That information is available publicly through United media outlets and privately through word of mouth or via United internal channels. However, regardless of the origin, that massive amount of United data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of United Fire news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of United Fire relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to United Fire's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive United Fire alpha.
United Fire Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards United Fire can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
United Fire Corporate Management
| Jeremy Bahl | Chief VP | Profile | |
| Adam Vogt | VP Officer | Profile | |
| Timothy Borst | Vice Relations | Profile | |
| Adam Brown | Assistant Administration | Profile | |
| Jolene Grow | Assistant Mang | Profile |
Additional Tools for United Stock Analysis
When running United Fire's price analysis, check to measure United Fire's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Fire is operating at the current time. Most of United Fire's value examination focuses on studying past and present price action to predict the probability of United Fire's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Fire's price. Additionally, you may evaluate how the addition of United Fire to your portfolios can decrease your overall portfolio volatility.