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United Fire Group, Inc. (UFCS)

Financial Services | Insurance - Property & Casualty | Cedar Rapids, United States | NasdaqGS
53.98 USD +0.10 (0.186%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 53.98
Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★⯪☆☆
Hot Take ↕ | Aug. 22, 2026, 1:17 a.m. EDT

United Fire Group presents a compelling value recovery story with fundamentally sound operations, yet the market remains cautious due to lingering concerns about the property/casualty sector's volatility. Fundamentally, the company is a high-quality operator with robust earnings growth (+48%), healthy margins, and a fortress-like balance sheet relative to its size. The stock has recovered significantly from its 2020 lows, trading at a reasonable multiple of earnings and book value, which supports a positive long-term outlook. However, the recent price action shows the stock consolidating near its 52-week highs, failing to break out decisively despite the strong underlying metrics. This stagnation suggests the market is waiting for confirmation that the insurance cycle has fully stabilized before committing capital to a full rally. While the dividend is modest and not a primary driver of value, the company's ability to generate free cash flow provides a safety margin. The short-term outlook leans slightly bullish as the stock trades above its 200-day average, but the lack of explosive momentum keeps it from being a top-tier entry play right now. Investors should view this as a solid core holding for the insurance sector rather than a high-octane momentum trade.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.027921
MSTL0.044668
AutoETS0.049748
AutoARIMA0.057955

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 48%
H-stat 0.77
Ljung-Box p 0.000
Jarque-Bera p 0.261
Excess Kurtosis -0.53
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-03
Last Dividend Date 2026-06-04
Debt to Equity Ratio 14.974
Revenue per Share 57.619
Market Cap 1,384,919,808
Trailing P/E 10.00
Forward P/E 11.15
Beta 0.51
Profit Margins 9.57%
Website https://www.ufginsurance.com

As of Aug. 22, 2026, 1:17 a.m. EDT: Speculator positioning is extremely thin and fragmented. In the near term (August expiration), there is a notable concentration of out-of-the-money put open interest at deep strikes ($25), suggesting a speculative tail-risk hedge rather than a broad bearish bet. Conversely, call activity is sparse, with the nearest expiration showing minimal volume and open interest. The November expiration shows a mix of deep ITM puts and ATM calls, indicating a neutral-to-slightly-bearish bias for the intermediate term, but the overall lack of liquidity suggests these flows are not driving significant directional conviction.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.44% 1.42% 2.29% 2.32%
Dividend History
Date Dividend Yield %
2026-06-05 0.200000 0.442184
2025-12-05 0.160000 0.458190
2025-08-29 0.160000 0.520494
2025-06-06 0.160000 0.563579
2025-03-07 0.160000 0.572246
2024-11-29 0.160000 0.522876
2024-08-30 0.160000 0.781632
2024-05-31 0.160000 0.719101
2024-03-07 0.160000 0.714924
2023-11-30 0.160000 0.765917
2023-08-31 0.160000 0.809307
2023-06-01 0.160000 0.739030
2023-03-09 0.160000 0.592593
2022-12-01 0.160000 0.549073
2022-09-01 0.160000 0.546635
2022-06-02 0.160000 0.489896
2022-03-03 0.150000 0.534378
2021-12-02 0.150000 0.667260
2021-09-02 0.150000 0.587544
2021-06-03 0.150000 0.484183
2021-03-04 0.150000 0.475587
2020-12-03 0.150000 0.656168
2020-09-03 0.330000 1.386555
2020-06-04 0.330000 1.137147
2020-03-05 0.330000 0.871402
2019-11-27 0.330000 0.755149
2019-08-29 0.330000 0.727834
2019-05-30 0.330000 0.712897
2019-02-28 0.310000 0.636028
2018-11-29 0.310000 0.589466
2018-08-30 0.310000 0.621492
2018-08-02 3.000000 5.176877
2018-05-31 0.310000 0.577927
2018-03-06 0.280000 0.612156
2017-11-30 0.280000 0.582605
2017-08-30 0.280000 0.672754
2017-05-30 0.280000 0.653442
2017-02-27 0.250000 0.593824
2016-11-29 0.250000 0.545613
2016-08-30 0.250000 0.579106
2016-05-27 0.250000 0.603573
2016-02-26 0.220000 0.537634
2015-11-27 0.220000 0.557103
2015-08-28 0.220000 0.662052
2015-05-28 0.220000 0.715913
2015-02-26 0.200000 0.691802
2014-11-26 0.200000 0.699301
2014-08-28 0.200000 0.679348
2014-05-29 0.200000 0.720461
2014-02-27 0.180000 0.624783
2013-11-27 0.180000 0.613915
2013-08-29 0.180000 0.609343
2013-05-29 0.180000 0.644468
2013-02-27 0.150000 0.616270
2012-12-12 0.150000 0.697350
2012-08-29 0.150000 0.663717
2012-05-30 0.150000 0.713946
2012-02-28 0.150000 0.719770
2011-12-13 0.150000 0.778816
2011-08-30 0.150000 0.848896
2011-05-27 0.150000 0.797448
2011-02-25 0.150000 0.732064
2010-12-13 0.150000 0.671742
2010-08-30 0.150000 0.751880
2010-05-27 0.150000 0.680890
2010-02-25 0.150000 0.854214
2009-12-11 0.150000 0.844119
2009-08-28 0.150000 0.735294
2009-05-28 0.150000 0.881316
2009-02-26 0.150000 0.858124
2008-12-11 0.150000 0.683060
2008-08-28 0.150000 0.500668
2008-05-29 0.150000 0.418410
2008-02-28 0.150000 0.423131
2007-12-12 0.150000 0.481696
2007-08-29 0.135000 0.350923
2007-05-30 0.135000 0.342032
2007-02-27 0.135000 0.389610
2006-12-13 0.135000 0.377200
2006-08-30 0.120000 0.428418
2006-05-30 0.120000 0.382897
2006-02-27 0.120000 0.329308
2005-12-13 0.120000 0.282619
2005-08-30 0.120000 0.293470
2005-05-27 0.120000 0.307692
2005-02-25 0.120000 0.398142
2004-12-16 0.240000 0.708174
2004-08-30 0.100000 0.336870
2004-05-27 0.100000 0.364299
2004-02-26 0.100000 0.464468
2003-12-11 0.100000 0.498256
2003-08-27 0.094000 0.472718
2003-05-29 0.094000 0.598726
2003-02-27 0.094000 0.622723
2002-12-11 0.094000 0.571429
2002-08-29 0.090000 0.523865
2002-05-29 0.090000 0.530973
2002-02-27 0.090000 0.602208
2001-12-12 0.090000 0.644007
2001-08-29 0.090000 0.654545
2001-05-30 0.090000 0.567108
2001-02-27 0.090000 0.875380
2000-12-13 0.090000 0.993103
2000-08-30 0.090000 0.953642
2000-05-30 0.090000 1.035971
2000-02-28 0.085000 0.888889
1999-12-13 0.085000 0.819277
1999-08-30 0.085000 0.735135
1999-05-27 0.085000 0.657005
1998-12-11 0.085000 0.470588
1998-08-28 0.085000 0.503704
1998-05-28 0.085000 0.430380
1998-03-02 0.080000 0.376471
1997-12-11 0.080000 0.351648
1997-08-29 0.080000 0.415584
1997-05-28 0.075000 0.416667
1997-03-03 0.075000 0.434783
1996-12-18 0.075000 0.454545
1996-08-29 0.075000 0.441176
1996-05-30 0.075000 0.424028
1996-02-28 0.075000 0.446097
1995-12-14 0.075000 0.529412
1995-08-30 0.066667 0.594799
1995-05-25 0.066667 0.733949
1995-02-24 0.066667 0.701758
1994-12-09 0.066667 0.697678
1994-08-26 0.060000 0.675000
1994-05-25 0.060000 0.701299
1994-02-23 0.060000 0.729730
1993-12-09 0.060000 0.739726
1993-08-26 0.055556 0.662257
1993-02-23 0.055556 0.609761
1992-08-26 0.055556 0.628936
1992-05-26 0.055556 0.652179
1992-02-25 0.048889 0.670052
1991-12-10 0.048889 0.733335
1990-12-11 0.048889 0.956524
1990-02-23 0.044444 0.967732
1989-12-11 0.044444 0.923068
1989-08-28 0.044444 0.909082
1989-05-25 0.044444 0.975600
1989-02-23 0.040000 0.885246
1988-12-06 0.040000 0.939130
1988-08-26 0.040000 1.038462
1988-05-25 0.040000 1.058823
1988-02-24 0.035556 0.979604
1987-12-04 0.035556 1.043491
1987-08-26 0.035556 0.750009
1987-05-29 0.035556 0.849568
1987-02-24 0.029630 0.625008
1986-12-09 0.029630 0.640008
Additional Data
dividendRate 0.8
dividendYield 1.48
exDividendDate 2026-09-04
trailingAnnualDividendRate 0.72
trailingAnnualDividendYield 0.013363029
lastDividendValue 0.2
lastDividendDate 2026-06-05
dividendDate 2026-09-18

Info Dump

Attribute Value
52 Week Change 0.77353525
Address1 118 Second Avenue SE
All Time High 61.56
All Time Low 1.432099
Ask 54.0
Ask Size 1
Audit Risk 2
Average Daily Volume10 Day 139,090
Average Daily Volume3 Month 154,085
Average Volume 154,085
Average Volume10Days 139,090
Beta 0.511
Bid 38.89
Bid Size 2
Board Risk 1
Book Value 38.022
City Cedar Rapids
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 53.98
Current Ratio 0.356
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 54.93
Day Low 53.46
Debt To Equity 14.974
Display Name United Fire
Dividend Date 1,789,689,600
Dividend Rate 0.8
Dividend Yield 1.48
Earnings Call Timestamp End 1,785,852,000
Earnings Call Timestamp Start 1,785,852,000
Earnings Growth 0.483
Earnings Quarterly Growth 0.454
Earnings Timestamp 1,785,787,200
Earnings Timestamp End 1,793,736,000
Earnings Timestamp Start 1,793,736,000
Ebitda 200,884,000
Ebitda Margins 0.13638
Enterprise To Ebitda 6.942
Enterprise To Revenue 0.947
Enterprise Value 1,394,484,608
Eps Current Year 4.99
Eps Forward 4.84
Eps Trailing Twelve Months 5.4
Esg Populated 0
Ex Dividend Date 1,788,480,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 52.1866
Fifty Day Average Change 1.7933998
Fifty Day Average Change Percent 0.03436514
Fifty Two Week Change Percent 77.35352
Fifty Two Week High 55.82
Fifty Two Week High Change -1.8400002
Fifty Two Week High Change Percent -0.032963097
Fifty Two Week Low 29.74
Fifty Two Week Low Change 24.24
Fifty Two Week Low Change Percent 0.8150639
Fifty Two Week Range 29.74 - 55.82
Financial Currency USD
First Trade Date Milliseconds 322,237,800,000
Five Year Avg Dividend Yield 2.45
Float Shares 22,184,308
Forward Eps 4.84
Forward P E 11.152892
Free Cashflow 255,639,504
Full Exchange Name NasdaqGS
Full Time Employees 846
Fullday Change 0.0999985
Fullday Change Percent 0.185595
Fullday Price 53.98
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.12865
Gross Profits 189,504,992
Has Pre Post Market Data 1
Held Percent Insiders 0.17271
Held Percent Institutions 0.70706004
Implied Shares Outstanding 25,656,166
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,780,617,600
Last Dividend Value 0.2
Last Fiscal Year End 1,767,139,200
Last Split Date 1,103,155,200
Last Split Factor 2:1
Long Business Summary United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance. It sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.
Long Name United Fire Group, Inc.
Market us_market
Market Cap 1,384,919,808
Market State CLOSED
Max Age 86,400
Message Board Id finmb_310192
Most Recent Quarter 1,782,777,600
Net Income To Common 140,960,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,386,037,270
Number Of Analyst Opinions 2
Open 54.13
Operating Cashflow 271,553,984
Operating Margins 0.11761
Overall Risk 2
Payout Ratio 0.1336
Peg Ratio 1.41
Phone 319 399 5700
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 53.98
Post Market Time 1,787,959,805
Previous Close 53.88
Price Eps Current Year 10.817636
Price Hint 2
Price To Book 1.4197044
Price To Sales Trailing12 Months 0.9402086
Profit Margins 0.095699996
Quick Ratio 0.256
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0999985
Regular Market Change Percent 0.185595
Regular Market Day High 54.93
Regular Market Day Low 53.46
Regular Market Day Range 53.46 - 54.93
Regular Market Open 54.13
Regular Market Previous Close 53.88
Regular Market Price 53.98
Regular Market Time 1,787,947,200
Regular Market Volume 82,946
Return On Assets 0.03086
Return On Equity 0.15465
Revenue Growth 0.144
Revenue Per Share 57.619
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 25,656,166
Shares Percent Shares Out 0.0241
Shares Short 619,300
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 311,973
Short Name United Fire Group, Inc
Short Percent Of Float 0.0342
Short Ratio 4.04
Source Interval 15
State IA
Symbol UFCS
Target High Price 60.0
Target Low Price 57.0
Target Mean Price 58.5
Target Median Price 58.5
Total Cash 139,444,992
Total Cash Per Share 5.425
Total Debt 146,350,000
Total Revenue 1,472,992,000
Tradeable 0
Trailing Annual Dividend Rate 0.72
Trailing Annual Dividend Yield 0.013363029
Trailing Eps 5.4
Trailing P E 9.996296
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 42.37045
Two Hundred Day Average Change 11.60955
Two Hundred Day Average Change Percent 0.27400112
Type Disp Equity
Volume 82,946
Website https://www.ufginsurance.com
Zip 52,401