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UFCS · United Fire Group Inc

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$50.91 -0.39 (-0.76%) At close · Nov 13
S&P 600 member Russell 2000 member Rebalance outlook locked
Market Cap
$1.31B
Shares
25.72M
Volume · Nov 13 105.09K Avg daily vol (3M) 144.02K

Price & Indicators

Drag to pan · scroll to zoom
Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$50.91 Open$51.53 Day$50.02–51.94 52W close$34.35–57.99 Avg vol 30d139K Short int373K · 1.4% of shares · 4.1d Short vol41% Last earningsNov 4, 2026 DataJan 2020–Nov 2026 Filing10-Q · Nov 4

Up next

Next earnings call
Feb 10, 2027 Est · unconfirmed · in 12 wks
Q3 2026 earnings call transcript
call held Nov 4, 2026
Play latest call

Latest documents

2026
Nov 4
Quarterly report 10-Q FY2026 Q3, ended Sep 30
Nine-month net income increased

United Fire Group reported nine-month net income of $98,502 thousand, up from $79,837 thousand, as net written premium increased 11.4% and the combined ratio improved to 95.2% from 95.9%.

Revenue $391.63M ▲ 10.6% Net income $35.09M ▼ 10.5% Diluted EPS $1.34 ▼ 10.1%
Read from the MD&A section
4 source passages
United Fire Group, Inc. Net income (loss) | 35,085 | 39,190 | 98,502 | 79,837 Net written premium increased by 13.2% and 11.4% in the three- and nine-month periods ended September 30, 2026, respectively, as compared to the same periods in 2025, led by growth in the Company's core commercial business. Combined ratio | 94.6 | % | 91.9 | % | 95.2 | % | 95.9 | % Open the document at this passage
Nov 4
Earnings call
Record earnings, 94.6% combined ratio and 13% premium growth

UFG delivered record earnings through the first nine months of 2026, with a 94.6% combined ratio, 14% return on equity and 13% third-quarter net rent premium growth.

3 source passages
UFG delivered another strong quarter, producing a 94.6% combined ratio and extending the strong operating performance we've delivered throughout 2026. Our third quarter results contributed to record earnings through the first nine months of the year and a 14% return on equity while reflecting continued execution across the organization. Net rent premium increased 13% in the third quarter, driven by continued growth in our core commercial business, which includes small business, middle market, and construction. Open the document at this passage
Nov 3
Current report 8-K
Third-quarter net income falls 10% as premiums rise 13%

United Fire Group reported net income of $35.1 million, down 10%, and $1.34 per diluted share for the quarter ended September 30, 2026. Net written premium rose 13% to $371.4 million, while the combined ratio increased 2.7 points to 94.6%.

Financial results
3 source passages
CEDAR RAPIDS, IOWA, November 3, 2026 — United Fire Group, Inc. (UFG) (Nasdaq: UFCS) today reported financial results for the quarter ended September 30, 2026, with net income decreasing 10% over the prior year to $35.1 million ($1.34 per diluted share) and adjusted operating income decreasing 11% over the prior year to $35.1 million ($1.34 per diluted share). Net written premium(2) increased 13% to $371.4 million. In the third quarter of 2026, net written premium increased 13% compared to the prior-year quarter, led by growth in the company's core commercial business. The combined ratio increased 2.7 points to 94.6% as compared to the third quarter of 2025, which was the company's best third quarter combined ratio in nearly 20 years. Open the document at this passage
Oct 21
Current report 8-K
Other events

United Fire Group, Inc. will release third quarter 2026 earnings after the market closes on Tuesday, November 3, 2026, followed by an earnings call on Wednesday, November 4, 2026 at 9 a.m. CT.

All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$1.51B
Trailing 12 months
Net income (TTM)
$136.86M
Trailing 12 months
Revenue growth YoY
+10.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
9.7
Trailing earnings · reciprocal yield 10.3%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$4.31M
Latest balance sheet
Dividend yield
1.5%
Trailing 12 months
Shares change YoY
-0.8%
Year over year · fewer shares
Price change (1Y)
+38.9%
Trailing year
Short interest
1.4%
Latest settlement · 4.1 days to cover
View all 125 metrics

Quarterly results

Revenue Net income Net loss
▲16% $333.18M $31.44M '24 Q4* ▲11.9% $331.12M $17.70M '25 Q1 ▲11.4% $335.47M $22.95M '25 Q2 ▲9.6% $354.02M $39.19M '25 Q3 ▲9.8% $365.81M $38.35M '25 Q4* ▲11.6% $369.44M $30.05M '26 Q1 ▲14.4% $383.73M $33.37M '26 Q2 LATEST ▲10.6% $391.63M $35.09M '26 Q3

* Q4 derived as the full year minus Q1 to Q3.

AI Brief

Q3 FY26 earnings call · Nov 4, 2026
Q3 FY26

TL;DR. UFG delivered 13% quarterly growth in net written premium and net investment income, record year-to-date earnings, a 14.0% return on equity, a lower year-to-date expense ratio, nearly $100 million of alternative-distribution premium, a below-estimate year-to-date catastrophe loss ratio, and a $0.20 per-share cash dividend. Quarterly earnings declined, combined and underlying loss ratios worsened, pricing and competition remain headwinds, higher interest rates widened unrealized investment losses, and reported book value per share declined.

Bullish
  • + Alternative distribution contributed nearly $100 million of third-quarter net written premium as the January 1 treaty and Lloyd's funds renewal cycle fueled growth. new
Bearish
  • − Third-quarter net income decreased 10% to $35.1 million and adjusted operating income decreased 11% to $35.1 million. new
  • − The underlying loss ratio increased 1.3 points to 57.3% because favorable impacts were lower than in the exceptional prior-year quarter. new
  • − Higher market interest rates increased the unrealized loss position to $145 million. new
  • − Reported book value per share decreased $0.37, or 1.0%, from December 31, 2025, primarily because of higher unrealized investment losses and shareholder dividends. new

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Sell Momentum Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Moderate
Market backdrop VIX 19.3 · elevated Equity put/call 0.63
Technical
price trend
Sell
50 / 200-day cross No cross
Price vs 200-day avg +7%
above
Price vs 50-day avg −6%
below
RSI (14) 40
neutral
MACD trend Negative
52-week position 70%
mid-range
Momentum
relative strength
Strong
1-month return −10%
trailing
6-month return +8%
trailing
YTD return +40%
this year
Relative strength +7%
vs S&P · 6-mo
Sentiment
smart money
Bullish
Trend (MA cross) No cross
50d $54 › 200d $47 — 50d above 200d
Institutional flow Accumulating
201 of 232 funds reported for Sep 30 · net +159.0K sh shares · +22 new
Insider flow Distributing
Net -$305.7K over 90 days · 50% sells
Short interest Falling
1.45% of shares out · ▼ -12.9% MoM · 4.1 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
232 holders — near 3-yr high, broad support
Squeeze score 45
elevated · 0–100
Fundamentals
Excellent
Revenue growth +11%
Y/Y
EPS growth +87%
Y/Y
Valuation P/E 9.7
below peers
Balance sheet $10.1M
net cash
Quant / Vol
risk profile
Moderate
Volatility 31%
annualized · 1-yr
Max drawdown −18%
past year
ATR 4.0%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Latest guidance · from the Earnings Call filed Aug 4, 2026
Catastrophe loss ratio · full-year 5%
Previous outlook earlier release · from the Earnings Call filed Feb 11, 2026

Still-open targets the latest release did not restate under the same label.

Modeled annual expected catastrophe loss ratio · 2026 up to 5%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell
2 · 3 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+7% Bullish
Price vs 50-day avg
−6% Bearish
RSI (14)
40 Neutral
MACD trend
Negative Bearish
52-week position
70% Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross) No cross
50d $54 › 200d $47 — 50d above 200d
Institutional flow Accumulating
201 of 232 funds reported for Sep 30 · net +159.0K sh shares · +22 new
Insider flow Distributing
Net -$305.7K over 90 days · 50% sells
Short interest Falling
1.45% of shares out · ▼ -12.9% MoM · 4.1 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
232 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $34 Now $51 · 70% Range high $58
vs 200-day avg +7% vs 50-day avg -6%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Expense ratio 35.4% Three months ended June 30, 2026 filing —
Adjusted book value per share non-GAAP $39.72 June 30, 2026 —
Adjusted operating income (loss) non-GAAP $63.96M Six months ended June 30, 2026 —
Adjusted operating income (loss) per diluted share non-GAAP $1.3 three months ended June 30, 2026 —
Average yields on fixed income securities pre-tax 4.57% three months ended June 30, 2026 —
Book value per share $38.02 June 30, 2026 —
Catastrophes 2.7% three months ended June 30, 2026 —
Combined ratio 95.3% three months ended June 30, 2026 —
Net investment income $28.9M three months ended June 30, 2026 —
Net loss ratio 60.3% Six months ended June 30, 2026 —
Net written premium $783.29M Six months ended June 30, 2026 —
Return on equity 13.2% six months ended June 30, 2026 —
Underlying combined ratio non-GAAP 92.6% three months ended June 30, 2026 —
Underlying loss ratio non-GAAP 57.2% three months ended June 30, 2026 —
Underwriting expense ratio 35.4% three months ended June 30, 2026 —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Insurance - Property & Casualty — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
UFCS
United Fire Group Inc
this stock
$1.31B +40.1% +10.6% 9.7 1.4%
CB
Chubb Ltd
 $143.56B +20.4% +6.5% 13.2 0.8%
PGR
Progressive Corp
 $136.60B +3.5% +16.3% 11.9 1.3%
TKOMY
Tokio Marine Holdings, Inc.
 $105.49B — — — 0.0%
TRV
Travelers Companies, Inc.
 $82.64B +39.0% +5.2% 10.6 2.2%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
243
% held
68.8%
Reported
201 of 232
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
263
View
Short & Settlement
Short Interest Falling
Shares short
372.6K
Days to cover
4.1d
Change
-55.2K sh
View
Short Volume
Short vol %
41%
As of
Nov 13, 2026
Short Total
View
Fails to Deliver
FTD shares
34
Value
$1.9K
As of
Oct 13, 2026
View
Off-Exchange
Off-exchange %
34.7%
Week of
Oct 5, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$305.7K
Buyers / Sellers
1 / 1
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$1.4B
Net income (FY)
$118.2M
EPS diluted
$4.48
View
Filings
SEC Filings
Latest
10-Q
Filed
Nov 4, 2026
This year
18

United Fire Group reported nine-month net income of $98,502 thousand, up from $79,837 thousand, as net written premium increased 11.4% and the combined ratio improved to 95.2% from 95.9%.

View
Proposed Sales
Value
$159.4K
Shares
4.3K
Filed
Feb 24, 2026
View
Earnings & Events
Webcasts
Last webcast
Nov 4, 2026
View
Investor Relations
Latest news
United Fire Group, Inc. reports t…
Published
Nov 3, 2026
View

Performance

5D 20D 120D MTD YTD
UFCS +6.7% -9.8% +7.8% -10.4% +40.1%
SPY +2.6% -1.2% +0.5% -0.2% +10.6%
vs SPY +4.1% -8.6% +7.3% -10.2% +29.4%

Capital returns

Latest dividend
$0.20 / share · ex Sep 4, 2026
Raised 25%
Paid (TTM)
$0.76 / share · 4 payouts
Dividend yield (TTM, derived)
1.49%
Full dividend history

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 101199 CUSIP 910340108 13F (30d) 205 filings 175 filers Visit website Investor relations