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Financial Services - Insurance - Property & Casualty - NASDAQ - US
$ 25.42
1.56 %
$ 644 M
Market Cap
13.04
P/E
1. INTRINSIC VALUE

United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance; and commercial multiple peril and inland marine insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and fidelity and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.[ Read More ]

The intrinsic value of one UFCS stock under the base case scenario is HIDDEN Compared to the current market price of 25.4 USD, United Fire Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UFCS

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FINANCIALS
1.1 B REVENUE
11.75%
0 OPERATING INCOME
0.00%
-29.7 M NET INCOME
-197.59%
172 M OPERATING CASH FLOW
13827.90%
-150 M INVESTING CASH FLOW
-681.84%
-16.5 M FINANCING CASH FLOW
-9.46%
323 M REVENUE
7.24%
27.5 M OPERATING INCOME
1288.57%
19.7 M NET INCOME
822.05%
56.5 M OPERATING CASH FLOW
-38.18%
-8.47 M INVESTING CASH FLOW
96.12%
-4.05 M FINANCING CASH FLOW
-6.45%
Balance Sheet Decomposition United Fire Group, Inc.
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Current Assets 595 M
Cash & Short-Term Investments 102 M
Receivables 465 M
Other Current Assets 27.7 M
Non-Current Assets 3.88 B
Long-Term Investments 1.74 B
PP&E 134 M
Other Non-Current Assets 2.01 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 2.41 B
Long-Term Debt 50 M
Other Non-Current Liabilities 2.36 B
EFFICIENCY
Earnings Waterfall United Fire Group, Inc.
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Revenue 1.1 B
Cost Of Revenue 0
Gross Profit 1.1 B
Operating Expenses 1.1 B
Operating Income 0
Other Expenses 29.7 M
Net Income -29.7 M
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
-2.71% NET MARGIN
-2.71%
-4.05% ROE
-4.05%
-0.94% ROA
-0.94%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis United Fire Group, Inc.
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Net Income -29.7 M
Depreciation & Amortization 10.5 M
Capital Expenditures -10.9 M
Stock-Based Compensation 3.25 M
Change in Working Capital 74.4 M
Others 196 M
Free Cash Flow 161 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets United Fire Group, Inc.
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UFCS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.76% DIVIDEND YIELD
0.16 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership United Fire Group, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
105 K USD 2
6-9 MONTHS
220 K USD 2
9-12 MONTHS
0 USD 0
Bought
4.52 K USD 1
0-3 MONTHS
115 K USD 4
3-6 MONTHS
32.6 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Sep 16, 2024
Bought 4.52 K USD
MILLIGAN GEORGE D
Director
+ 222.2029
20.3374 USD
3 months ago
Aug 12, 2024
Bought 18.4 K USD
Foran Matthew R
Director
+ 1000
18.45 USD
3 months ago
Aug 09, 2024
Bought 64.4 K USD
MILLIGAN GEORGE D
Director
+ 3500
18.4 USD
5 months ago
Jun 06, 2024
Bought 21.2 K USD
Woolstenhulme Micah G
SVP & Chief Risk Officer
+ 1000
21.25 USD
5 months ago
Jun 06, 2024
Bought 10.6 K USD
Martin Eric J
Chief Financial Officer
+ 500
21.22 USD
5 months ago
Jun 06, 2024
Sell 52.6 K USD
Drahozal Christopher R
Director
- 2500
21.06 USD
5 months ago
Jun 06, 2024
Sell 52.6 K USD
McIntyre Dee Ann
10 percent owner
- 2500
21.0599 USD
8 months ago
Mar 15, 2024
Sell 55.4 K USD
Drahozal Christopher R
Director
- 2500
22.1474 USD
8 months ago
Mar 18, 2024
Sell 54.8 K USD
Drahozal Christopher R
Director
- 2500
21.9001 USD
8 months ago
Mar 15, 2024
Sell 55.4 K USD
McIntyre Dee Ann
10 percent owner
- 2500
22.1474 USD
8 months ago
Mar 18, 2024
Sell 54.8 K USD
McIntyre Dee Ann
10 percent owner
- 2500
21.9001 USD
8 months ago
Mar 13, 2024
Bought 10.9 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 500
21.7471 USD
8 months ago
Mar 13, 2024
Bought 21.8 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 1000
21.7599 USD
1 year ago
May 15, 2023
Bought 244 K USD
McIntyre Dee Ann
10 percent owner
+ 10000
24.4 USD
1 year ago
May 26, 2023
Bought 11.1 K USD
Cataldo Robert Francis
VP & Chief Investment Officer
+ 500
22.265 USD
1 year ago
May 25, 2023
Bought 22.2 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 1000
22.1899 USD
1 year ago
May 23, 2023
Bought 117 K USD
MILLIGAN GEORGE D
Director
+ 5000
23.32 USD
1 year ago
May 11, 2023
Sell 122 K USD
Drahozal Christopher R
Director
- 5000
24.4 USD
1 year ago
May 11, 2023
Sell 244 K USD
Drahozal Christopher R
Director
- 10000
24.4 USD
1 year ago
May 11, 2023
Bought 122 K USD
Drahozal Christopher R
Director
+ 5000
24.4 USD
1 year ago
May 11, 2023
Bought 0 USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 500
0 USD
1 year ago
Mar 16, 2023
Bought 5.28 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 200
26.4 USD
1 year ago
Mar 16, 2023
Bought 26.3 USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 1
26.345 USD
1 year ago
Mar 16, 2023
Bought 7.9 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 299
26.4099 USD
1 year ago
Feb 21, 2023
Bought 14.3 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 500
28.5199 USD
1 year ago
Dec 14, 2022
Bought 13.3 K USD
Martin Eric J
director: Chief Financial Officer
+ 500
26.5399 USD
1 year ago
Dec 14, 2022
Bought 106 K USD
MILLIGAN GEORGE D
Director
+ 4000
26.48 USD
2 years ago
Nov 07, 2022
Bought 51 K USD
Green Mark A.
Director
+ 1800
28.3135 USD
2 years ago
Sep 06, 2022
Bought 144 K USD
MILLIGAN GEORGE D
director:
+ 5000
28.74 USD
2 years ago
Aug 10, 2022
Bought 14.5 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 500
29.0999 USD
2 years ago
Aug 10, 2022
Bought 2.91 K USD
Woolstenhulme Micah G
director: VP & Chief Risk Officer
+ 100
29.07 USD
2 years ago
Aug 10, 2022
Bought 11.6 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 400
29.0999 USD
2 years ago
Aug 08, 2022
Bought 14 K USD
Martin Eric J
director: Chief Financial Officer
+ 500
27.93 USD
2 years ago
May 13, 2022
Sell 34.7 K USD
Skogman Kyle D.
director:
- 1145
30.2796 USD
2 years ago
May 09, 2022
Sell 65.3 K USD
NOYCE JAMES
director:
- 2145
30.4225 USD
2 years ago
May 10, 2022
Sell 64.6 K USD
Quass Mary K.
director:
- 2145
30.1005 USD
2 years ago
May 12, 2022
Bought 14.8 K USD
McBride Lura E
director:
+ 500
29.64 USD
2 years ago
May 11, 2022
Bought 30.3 K USD
Martin Eric J
director: Chief Financial Officer
+ 1000
30.3299 USD
3 years ago
Nov 08, 2021
Bought 45 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 2000
22.5 USD
3 years ago
Sep 17, 2021
Bought 91.5 K USD
MILLIGAN GEORGE D
Director
+ 4000
22.88 USD
3 years ago
Sep 10, 2021
Sell 144 K USD
Carlton Scott L
Director
- 6325
22.732 USD
3 years ago
Sep 02, 2021
Bought 12.7 K USD
Woolstenhulme Micah G
VP & Chief Risk Officer
+ 500
25.3299 USD
3 years ago
May 26, 2021
Sell 69.1 K USD
Carlton Scott L
Director
- 2248
30.7243 USD
3 years ago
Feb 22, 2021
Sell 34 K USD
Carlton Scott L
Director
- 1150
29.5349 USD
3 years ago
Dec 08, 2020
Sell 374 K USD
RAMLO RANDY A.
President & CEO
- 15749
23.72 USD
3 years ago
Dec 04, 2020
Sell 67 K USD
Wilkins Michael T
EVP & COO
- 2938
22.79 USD
4 years ago
Nov 18, 2020
Sell 36.2 K USD
RAMLO RANDY A.
President & CEO
- 1504
24.0396 USD
4 years ago
Nov 09, 2020
Bought 54.4 K USD
Woolstenhulme Micah G
VP
+ 2500
21.75 USD
4 years ago
Sep 14, 2020
Bought 22.4 K USD
Cataldo Robert Francis
VP
+ 1000
22.39 USD
4 years ago
May 19, 2020
Sell 36.2 K USD
RAMLO RANDY A.
President & CEO
- 1393
25.9567 USD
4 years ago
May 14, 2020
Bought 5.66 K USD
Cataldo Robert Francis
VP
+ 250
22.6345 USD
4 years ago
May 14, 2020
Bought 5.6 K USD
Cataldo Robert Francis
VP
+ 250
22.41 USD
4 years ago
May 13, 2020
Bought 11.8 K USD
Cataldo Robert Francis
VP
+ 500
23.7 USD
4 years ago
May 14, 2020
Bought 22.2 K USD
JAFFRAY DAWN M
EVP & CFO
+ 1000
22.17 USD
4 years ago
May 13, 2020
Sell 66.8 K USD
Quass Mary K.
Director
- 2727
24.5 USD
4 years ago
Mar 19, 2020
Sell 38.8 K USD
RAMLO RANDY A.
President & CEO
- 1285
30.1916 USD
4 years ago
Dec 03, 2019
Sell 376 K USD
Wilkins Michael T
EVP & COO
- 8789
42.7743 USD
5 years ago
Jul 03, 2019
Sell 90.7 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 1824
49.7 USD
5 years ago
Jun 25, 2019
Sell 98.4 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 2000
49.2 USD
5 years ago
Jun 26, 2019
Sell 8.75 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 176
49.7 USD
5 years ago
Jun 24, 2019
Sell 48.2 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 985
48.93 USD
5 years ago
Jun 21, 2019
Sell 111 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 2266
48.88 USD
5 years ago
Apr 22, 2019
Sell 1 M USD
CONNER DAVID E
- 24343
41.14 USD
5 years ago
Apr 22, 2019
Sell 200 K USD
CONNER DAVID E
- 4733
42.19 USD
5 years ago
Apr 23, 2019
Sell 39.6 K USD
CONNER DAVID E
- 935
42.32 USD
5 years ago
Feb 26, 2019
Sell 31 K USD
Carlton Scott L
Director
- 649
47.7059 USD
5 years ago
Jan 03, 2019
Sell 251 K USD
CONNER DAVID E
VP/Chief Claims Officer
- 4564
55 USD
5 years ago
Dec 28, 2018
Sell 11 K USD
ERNST BARRIE W
VP/Chief Investment Officer
- 200
55 USD
5 years ago
Dec 31, 2018
Sell 373 K USD
ERNST BARRIE W
VP/Chief Investment Officer
- 6780
55.0027 USD
5 years ago
Dec 31, 2018
Sell 62.2 K USD
CONNER DAVID E
VP/Chief Claims Officer
- 1131
55 USD
6 years ago
Nov 05, 2018
Sell 95 K USD
NOYCE JAMES
Director
- 1727
55 USD
6 years ago
Oct 30, 2018
Sell 265 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 5000
53 USD
6 years ago
Aug 14, 2018
Sell 50.8 K USD
SCHARMER NEAL R
VP/General Counsel/Corp Sec
- 1015
50.0917 USD
6 years ago
Jun 06, 2018
Sell 166 K USD
JAFFRAY DAWN M
SVP/Chief Financial Officer
- 2986
55.582 USD
6 years ago
Jun 06, 2018
Sell 408 K USD
JAFFRAY DAWN M
SVP/Chief Financial Officer
- 7400
55.1853 USD
6 years ago
May 16, 2018
Bought 14 K USD
McIntyre Dee Ann
10 percent owner
+ 270
51.84 USD
6 years ago
May 15, 2018
Sell 153 K USD
Quass Mary K.
Director
- 3000
50.9477 USD
6 years ago
Mar 09, 2018
Sell 337 K USD
ERNST BARRIE W
VP/Chief Investment Officer
- 7114
47.43 USD
6 years ago
Feb 21, 2018
Sell 202 K USD
CONNER DAVID E
VP/Chief Claims Officer
- 4485
45.1072 USD
6 years ago
Dec 07, 2017
Sell 178 K USD
Wilkins Michael T
Executive Vice President & COO
- 3771
47.2449 USD
7. News
United Fire Group, Inc. Declares a Common Stock Quarterly Cash Dividend of $0.16 per Share CEDAR RAPIDS, Iowa, Nov. 15, 2024 (GLOBE NEWSWIRE) -- Today, the Board of Directors of United Fire Group, Inc. ("UFG") (Nasdaq: UFCS) declared a common stock quarterly cash dividend of $0.16 per share. This dividend will be payable December 13, 2024 to shareholders of record as of November 29, 2024. globenewswire.com - 1 day ago
United Fire Group, Inc. (UFCS) Q3 2024 Earnings Call Transcript United Fire Group, Inc. (NASDAQ:UFCS ) Q3 2024 Earnings Conference Call November 6, 2024 10:00 AM ET Company Participants Tim Borst - Vice President of Investor Relations Kevin Leidwinger - President and Chief Executive Officer Julie Stephenson - Executive Vice President and Chief Operating Officer Eric Martin - Executive Vice President and Chief Financial Officer Conference Call Participants Paul Newsome - Piper Sandler Operator Good day, and welcome to the United Fire Group Insurance 2024 Third Quarter Conference Call. All participants will be in a listen-only mode. seekingalpha.com - 1 week ago
United Fire Group (UFCS) Surpasses Q3 Earnings and Revenue Estimates United Fire Group (UFCS) came out with quarterly earnings of $0.81 per share, beating the Zacks Consensus Estimate of $0.21 per share. This compares to earnings of $0.31 per share a year ago. zacks.com - 1 week ago
United Fire Group, Inc. Reports Third Quarter 2024 Results Net income of $0.76 per diluted share and adjusted operating income of $0.81 per diluted share Net income of $0.76 per diluted share and adjusted operating income of $0.81 per diluted share globenewswire.com - 1 week ago
United Fire Group, Inc. Announces Its 2024 Third Quarter Earnings Call CEDAR RAPIDS, Iowa, Oct. 22, 2024 (GLOBE NEWSWIRE) -- United Fire Group, Inc. (Nasdaq: UFCS) (the "Company", "UFG", "we", or "our") announced today that its 2024 third quarter earnings results will be released after the market closes on Tuesday, November 5, 2024. An earnings call will be held on Wednesday, November 6, 2024 at 9:00 a.m. central time to allow securities analysts, shareholders and other interested parties the opportunity to hear management discuss the Company's 2024 third quarter results. globenewswire.com - 3 weeks ago
Vanguard Group Inc's Strategic Reduction in United Fire Group Inc Holdings On September 30, 2024, Vanguard Group Inc executed a significant transaction involving the shares of United Fire Group Inc (UFCS, Financial), a noted player in the property and casualty insurance sector. The firm reduced its holdings by 300,293 shares, resulting in a new total of 1,336,649 shares. gurufocus.com - 1 month ago
United Fire Group, Inc. Declares a Common Stock Quarterly Cash Dividend of $0.16 per Share CEDAR RAPIDS, Iowa, Aug. 16, 2024 (GLOBE NEWSWIRE) -- Today, the Board of Directors of United Fire Group, Inc. (Nasdaq: UFCS) ("UFG") declared a common stock quarterly cash dividend of $0.16 per share. This dividend will be payable September 13, 2024 to shareholders of record as of August 30, 2024. globenewswire.com - 3 months ago
United Fire Group, Inc. (UFCS) Q2 2024 Earnings Call Transcript United Fire Group, Inc. (NASDAQ:UFCS ) Q2 2024 Earnings Conference Call August 7, 2024 10:00 AM ET Company Participants Tim Borst – Vice President of Investor Relations Kevin Leidwinger – President and Chief Executive Officer Julie Stephenson – Executive Vice President and Chief Operating Officer Eric Martin – Executive Vice President and Chief Financial Officer Conference Call Participants Paul Newsome – Piper Sandler Operator Good day, and welcome to the United Fire Group Insurance 2024 Second Quarter Conference Call. [Operator Instructions] Please note this event is being recorded. seekingalpha.com - 3 months ago
United Fire Group (UFCS) Reports Q2 Loss, Tops Revenue Estimates United Fire Group (UFCS) came out with a quarterly loss of $0.07 per share versus the Zacks Consensus Estimate of a loss of $0.04. This compares to loss of $2.27 per share a year ago. zacks.com - 3 months ago
United Fire Group, Inc. Reports Second Quarter 2024 Results Second Quarter Net Loss of $0.11 per Diluted Share and Adjusted Operating Loss of $0.07 per Diluted Share globenewswire.com - 3 months ago
United Fire Group, Inc. Announces Its 2024 Second Quarter Earnings Call CEDAR RAPIDS, Iowa, July 23, 2024 (GLOBE NEWSWIRE) -- United Fire Group, Inc. (Nasdaq: UFCS) (the "Company", "UFG", "we", or "our") announced today that its 2024 second quarter earnings results will be released after the market closes on Tuesday, August 6, 2024. An earnings call will be held on Wednesday, August 7, 2024 at 9:00 a.m. central time to allow securities analysts, shareholders and other interested parties the opportunity to hear management discuss the Company's 2024 second quarter results. globenewswire.com - 3 months ago
AM Best Assigns Issue Credit Rating to United Fire Group, Inc.'s New Senior Unsecured Notes OLDWICK, N.J.--(BUSINESS WIRE)-- #insurance--AM Best has assigned a Long-Term Issue Credit Rating of “bbb-” (Good) to recently issued $70 million, 9% senior unsecured notes due May 31, 2039, of United Fire Group, Inc. (UFG) (Cedar Rapids, IA) [NASDAQ: UFCS]. The outlook assigned to this Credit Rating (rating) is stable. Concurrently, AM Best has withdrawn the indicative rating on the previously forthcoming debt following confirmation that the note has been issued. The existing ratings of UFG and its insuran. businesswire.com - 5 months ago
8. Profile Summary

United Fire Group, Inc. UFCS

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 644 M
Dividend Yield 0.76%
Description United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance; and commercial multiple peril and inland marine insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and fidelity and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.
Contact 118 Second Avenue SE, Cedar Rapids, IA, 52401 https://www.ufginsurance.com
IPO Date March 18, 1980
Employees 852
Officers Ms. Julie Anne Stephenson Executive Vice President & Chief Operating Officer Ms. Julie A. Schneekloth Assistant Vice President & Training Director Mr. Micah Grant Woolstenhulme Senior Vice President & Chief Risk Officer Mr. Patrick P. Kane C.P.C.U. Asst. Vice President & Region Marketing Manager Mr. Michael John Sheeley Vice President & Chief Marketing Officer Ms. Sarah Emily Madsen Senior Vice President, Chief Legal Officer & Corporate Secretary Mr. Steven Dennis Hernandez Senior Vice President & Chief Human Resources Officer Ms. Lindsay Erin Lovvorn Senior Vice President & Chief Administrative Officer Mr. Eric John Martin Executive Vice President, Chief Financial Officer & Principal Financial Officer Mr. Kevin James Leidwinger President, Chief Executive Officer, Principal Executive Officer & Director