United Fire Group Stock Analysis

UFCS Stock  USD 28.76  0.28  0.96%   
United Fire Group is overvalued with Real Value of 23.37 and Target Price of 26.0. The main objective of United Fire stock analysis is to determine its intrinsic value, which is an estimate of what United Fire Group is worth, separate from its market price. There are two main types of United Fire's stock analysis: fundamental analysis and technical analysis.
The United Fire stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. United Fire is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, National Mourning Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. United Stock trading window is adjusted to America/New York timezone.
  
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in United Fire Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

United Stock Analysis Notes

About 18.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.93. 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. United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa. United Fire operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. It employs 1086 people. For more information please call Kevin Leidwinger at 319 399 5700 or visit https://www.ufginsurance.com.

United Fire Quarterly Total Revenue

331.74 Million

United Fire Group Investment Alerts

United Fire Group currently holds 117.06 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.
About 66.0% of United Fire outstanding shares are owned by institutional investors
On 21st of March 2025 United Fire paid $ 0.16 per share dividend to its current shareholders
Latest headline from thelincolnianonline.com: Connor Clark Lunn Investment Management Ltd. Acquires 14,110 Shares of United Fire Group, Inc.

United Fire Group Upcoming and Recent Events

21st of February 2024
Upcoming Quarterly Report
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13th of May 2024
Next Financial Report
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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

United Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2016-08-03
2016-06-300.070.080.0114 
2021-05-05
2021-03-31-0.06-0.030.0350 
2011-05-02
2011-03-310.190.16-0.0315 
View All Earnings Estimates

United Fire Environmental, Social, and Governance (ESG) Scores

United Fire's ESG score is a quantitative measure that evaluates United Fire's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of United Fire's operations that may have significant financial implications and affect United Fire's stock price as well as guide investors towards more socially responsible investments.

United Fire Thematic Classifications

In addition to having United Fire stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Insurance Providers Idea
Insurance Providers
All types of insurance and insurance brokerages

United Stock Institutional Investors

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
Envestnet Asset Management Inc2024-12-31
186 K
Amvescap Plc.2024-12-31
180.1 K
Bank Of New York Mellon Corp2024-12-31
178.2 K
Jpmorgan Chase & Co2024-12-31
177.9 K
Wells Fargo & Co2024-12-31
162.8 K
Goldman Sachs Group Inc2024-12-31
155.8 K
Hotchkis & Wiley Capital Management Llc2024-12-31
153.2 K
Foundry Partners, Llc2024-12-31
150.1 K
American Century Companies Inc2024-12-31
143 K
Blackrock Inc2024-12-31
3.6 M
Dimensional Fund Advisors, Inc.2024-12-31
1.4 M
Note, although United Fire's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

United Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 729.97 M.

United Profitablity

The company has Profit Margin (PM) of 0.05 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.13 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.13.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.02 
Return On Capital Employed(0.01)(0.01)
Return On Assets 0.02  0.02 
Return On Equity 0.08  0.08 

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. At this time, United Fire's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.02 in 2025, despite the fact that Return On Capital Employed is likely to grow to (0.01). At this time, United Fire's Intangible Assets are comparatively stable compared to the past year. Net Tangible Assets is likely to gain to about 900 M in 2025, whereas Other Assets are likely to drop slightly above 1.6 B in 2025.
Last ReportedProjected for Next Year
Book Value Per Share 30.87  21.15 
Tangible Book Value Per Share 30.71  20.90 
Enterprise Value Over EBITDA(15.76)(14.97)
Price Book Value Ratio 0.92  1.25 
Enterprise Value Multiple(15.76)(14.97)
Price Fair Value 0.92  1.25 
Enterprise Value636.5 M429.1 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.
Dividend Yield
0.0223
Operating Margin
0.1261
Profit Margin
0.0494
Forward Dividend Yield
0.0223
Beta
0.46

Technical Drivers

As of the 24th of March, United Fire has the Variance of 3.96, coefficient of variation of (2,543), and Risk Adjusted Performance of (0.03). 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 variance and potential upside to decide if United Fire is priced more or less accurately, providing market reflects its prevalent price of 28.76 per share. Given that United Fire Group has information ratio of (0.01), 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 Group Price Movement Analysis

Execute Study
The output start index for this execution was nineteen with a total number of output elements of fourty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. United Fire middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for United Fire Group. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

United Fire Group 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.
 
Clancy Brenda Kay over a week ago
Acquisition by Clancy Brenda Kay of 3219 shares of United Fire at 23.3 subject to Rule 16b-3
 
Steven Hernandez over a week ago
Disposition of 2296 shares by Steven Hernandez of United Fire at 29.13 subject to Rule 16b-3
 
Drahozal Christopher R over two weeks ago
Disposition of 2500 shares by Drahozal Christopher R of United Fire at 28.3344 subject to Rule 16b-3
 
Drahozal Christopher R over two weeks ago
Disposition of 2500 shares by Drahozal Christopher R of United Fire at 27.3133 subject to Rule 16b-3
 
Sarah Madsen over a month ago
Disposition of 266 shares by Sarah Madsen of United Fire at 27.26 subject to Rule 16b-3
 
Robert Cataldo over two months ago
Acquisition by Robert Cataldo of 500 shares of United Fire at 22.265 subject to Rule 16b-3
 
Kevin Leidwinger over two months ago
Disposition of 2646 shares by Kevin Leidwinger of United Fire at 28.45 subject to Rule 16b-3
 
Walsh Kelly A over two months ago
Disposition of 2104 shares by Walsh Kelly A of United Fire at 28.48 subject to Rule 16b-3
 
Corey Ruehle over three months ago
Disposition of 2664 shares by Corey Ruehle of United Fire at 29.12 subject to Rule 16b-3
 
Kevin Leidwinger over three months ago
Acquisition by Kevin Leidwinger of 9095 shares of United Fire at 19.86 subject to Rule 16b-3
 
Milligan George D over six months ago
Acquisition by Milligan George D of 222 shares of United Fire at 20.3374 subject to Rule 16b-3
 
Foran Matthew R over six months ago
Acquisition by Foran Matthew R of 1000 shares of United Fire at 18.45 subject to Rule 16b-3

United Fire Outstanding 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.

United Fire Predictive Daily 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
18th of March 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
F4
6th of March 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
10K
26th of February 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
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
F4
19th 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
F4
18th 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
F5
14th of February 2025
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify

United Fire Forecast Models

United Fire's time-series forecasting models are one of many United Fire's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary United Fire's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About United Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how United Fire prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling United shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as United Fire. By using and applying United Stock analysis, traders can create a robust methodology for identifying United entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.06  0.11 
Operating Profit Margin(0.04)(0.04)
Net Profit Margin 0.05  0.06 
Gross Profit Margin 1.14  1.09 

Current United Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. United analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. United analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
26.0Hold1Odds
United Fire Group current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most United analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand United stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of United Fire Group, talking to its executives and customers, or listening to United conference calls.
United Analyst Advice Details

United Stock Analysis Indicators

United Fire Group stock analysis indicators help investors evaluate how United Fire stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading United Fire shares will generate the highest return on investment. By understating and applying United Fire stock analysis, traders can identify United Fire position entry and exit signals to maximize returns.
Begin Period Cash Flow102 M
Long Term Debt117.1 M
Common Stock Shares Outstanding25.9 M
Total Stockholder Equity781.5 M
Tax Provision15.1 M
Quarterly Earnings Growth Y O Y0.569
Property Plant And Equipment Net136 M
Cash And Short Term Investments201 M
Cash200.9 M
Net Debt-83.9 M
50 Day M A26.6654
Other Operating Expenses1.3 B
Non Current Assets Total162.9 M
Non Currrent Assets Other-2.1 B
Stock Based Compensation5.5 M

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.