United Fire Group Inc (UFCS) stock
UFCSNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 12/300% below fair value
$50.91−0.39 (-0.76%)
Close on Nov 13, 2026Market cap $1.31BP/E 9.7Yield 1.26%
United Fire statistics
87 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 10, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 4, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.40
- 1.74
- P/OCF Ratio
- 4.20
- 7.15
Enterprise valuationIndustry
- EV / Sales
- 0.77
- 0.97
Share statisticsIndustry
- Shares Change (YoY)
- -0.36%
- -1.32%
- Shares Change (QoQ)
- 0.06%
- -0.09%
- Float
- 21M
- 57M
- Shares Held by Insiders
- 16.4%
- 3.33%
- Shares Held by Institutions
- 68.4%
- 84.6%
Short sellingIndustry
- Short Interest
- 372,585
- –
- Short Interest Change
- -12.9%
- -2.56%
- Short % of Float
- 1.73%
- 3.81%
- Short % of Shares Outstanding
- 1.45%
- 3.02%
- Days to Cover
- 4.10
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $58.20
- –
- 52-Week Low
- $33.53
- –
- 20-Day Moving Average
- $54.11
- –
- 50-Day Moving Average
- $54.43
- –
- 200-Day Moving Average
- $47.41
- –
- Average True Range (14)
- $2.02
- –
- Price Change (1 Week)
- 6.66%
- 2.21%
- Price Change (1 Month)
- -8.10%
- 4.21%
- Price Change (3 Months)
- -4.66%
- 2.03%
- Price Change (6 Months)
- 5.93%
- 11.0%
- Price Change (YTD)
- 40.1%
- 8.86%
- Price Change (1 Year)
- 37.5%
- 10.7%
- Price Change (3 Years)
- 149.3%
- 42.9%
- Price Change (5 Years)
- 134.6%
- 42.3%
- Price Change (10 Years)
- 15.3%
- 113.0%
- Average Volume (10 Days)
- 207,106
- –
- Average Volume (20 Days)
- 150,193
- –
- Average Volume (90 Days)
- 147,066
- –
- Relative Volume
- 0.71
- 0.73
- Relative Strength Index (14)
- 40.3
- 56.3
- Volatility (1 Year)
- 31.3%
- 28.3%
- Beta (5 Years)
- 0.50
- 0.60
MarginsIndustry
- Pretax Margin
- 11.5%
- 13.5%
- EBITDA Margin
- 13.0%
- 13.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.9%
- 13.9%
- Return on Assets (ROA)
- 3.49%
- 2.97%
GrowthIndustry
- Revenue Growth (YoY)
- 11.6%
- 6.46%
- Net Income Growth (YoY)
- 23.0%
- 11.9%
- EPS Growth (YoY)
- 23.3%
- 12.7%
- Revenue Growth (3Y CAGR)
- 12.2%
- 9.53%
- Revenue Growth (5Y CAGR)
- 5.34%
- 8.29%
- EPS Growth (3Y CAGR)
- 96.6%
- 15.9%
EfficiencyIndustry
- Asset Turnover
- 0.39
- 0.27
- Revenue Per Employee
- $1.29M
- $1.80M
- Profits Per Employee
- $116.67K
- $182.48K
- Employee Count
- 1,173
- 1,341
- WACC
- 7.62%
- 8.10%
Income statement (TTM)Industry
- Pretax Income
- $172.97M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $150.74M
- $331.32M
- Net Cash Per Share
- $5.86
- $5.43
- Equity (Book Value)
- $938.89M
- $3.44B
- Book Value Per Share
- $36.53
- $37.80
- Tangible Book Value
- $935.87M
- $2.32B
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 10.5%
- 8.85%
- Dividend Yield
- 1.26%
- 1.88%
- Buyback Yield
- 0.24%
- 3.22%
- Shareholder Yield
- 1.49%
- 4.26%
- Dividend Per Share
- $0.64
- $1.75
- Dividend Growth (YoY)
- 0.00%
- 4.86%
- Years of Dividend Growth
- 0
- 3
- Payout Ratio
- 14.2%
- 20.1%
Taxes and interestIndustry
- Interest Expense
- $12.74M
- $77.46M
- Income Tax
- $36.12M
- $107.00M
- Effective Tax Rate
- 20.9%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $65.56
- $76.72
- Graham Upside
- 28.8%
- 11.3%
- Altman Z-Score
- 0.90
- 0.94
- Piotroski F-Score
- 5
- 5
- Lynch Fair Value
- $130.75
- –
- Lynch Upside
- 156.8%
- 74.7%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | UFCS | S&P 500 | Difference | UFCS per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -8.7% | -3.0% | −5.7 pts | ||
| 3 months | -4.9% | -2.8% | −2.1 pts | ||
| Year to date | +41.9% | +11.5% | +30.5 pts | ||
| 1 year | +41.4% | +13.5% | +28.0 pts | ||
| 3 years | +177.4% | +77.7% | +99.7 pts | +40.5% | +21.1% |
| 5 years | +164.2% | +72.6% | +91.5 pts | +21.4% | +11.5% |
| 10 years | +58.2% | +308.2% | −250.0 pts | +4.7% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M UFCS shares were sold short on Oct 30, 2026, down 12.9% from the previous report, or 1.73% of the shares available to trade. At recent volumes it would take 4.1 days to buy them back. Over the last 20 sessions, 52.3% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 372,585 | -12.9% | 90,845 | 4.1 |
| Oct 15, 2026 | 427,775 | -9.7% | 118,331 | 3.6 |
| Sep 30, 2026 | 473,777 | -16.0% | 144,658 | 3.3 |
| Sep 15, 2026 | 564,032 | +0.0% | 170,836 | 3.3 |
| Aug 31, 2026 | 563,899 | -8.9% | 138,448 | 4.1 |
| Aug 14, 2026 | 619,300 | +41.9% | 138,393 | 4.5 |
| Jul 31, 2026 | 436,376 | +39.9% | 152,655 | 2.9 |
| Jul 15, 2026 | 311,973 | -26.3% | 157,860 | 2.0 |
| Jun 30, 2026 | 423,071 | +57.6% | 202,466 | 2.1 |
| Jun 15, 2026 | 268,363 | -2.8% | 124,528 | 2.2 |
| May 29, 2026 | 276,128 | -10.1% | 120,416 | 2.3 |
| May 15, 2026 | 306,993 | +2.2% | 150,579 | 2.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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