UFCS
United Fire Group, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+43/100
Last price
54.87
▲ 0.22 (0.40%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
54.51
Prev close
54.65
Day high
55.40
Day low
53.59
Volume
89.67K
Market cap
$1.41B
P/E (TTM)
10.18
52W range
29.85 – 56.74
Day trading desk
Gap from prior close
-0.26%
Prior close 54.65
VWAP
55.01
-0.26% from price
Relative volume
0.41×
Quiet session
Session range
3.36%
53.59 – 55.40
Position in range
71%
Near session high
ATR (14D)
1.78
3.25% of price
Prior day high
55.08
PDH
Prior day low
52.01
PDL
Bid / ask spread
—
Quote not published
Session volume
62.12K
Avg 150.80K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+2.50%
+0.6%
1M
-1.98%
-3.1%
3M
+5.30%
+0.8%
6M
+43.60%
+25.4%
YTD
+50.95%
+36.7%
1Y
+78.50%
+62.1%
3Y
+177.82%
+95.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UFCS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+15.54K
Net buying
Buy transactions
11
25.32K shares
Sell transactions
1
9.78K shares
Net transactions
+12
Buys less sells
Sell : buy shares
0.4 : 1
Mixed
Insider-held shares
4.43M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 3, 26 | CARLTON SCOTT L Director |
SELL | 9.78K | $542.80K | Direct |
| Jun 5, 26 | MILLIGAN GEORGE D Director |
BUY | 4.50K | $203.53K | Direct |
| May 20, 26 | MILLIGAN GEORGE D Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | NOYCE JAMES W Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | DRAHOZAL CHRISTOPHER R Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | CARLTON SCOTT L Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | VOSS SUSAN E Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | GREEN MARK A. Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | CLANCY BRENDA KAY Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | MCBRIDE LURA E Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | FORAN MATTHEW R. Director |
STOCK | 2.08K | $100.02K | Direct |
| May 20, 26 | SPENCER GILDA LIVINGSTON Director |
STOCK | 2.08K | $100.02K | Direct |
| Mar 4, 26 | DRAHOZAL CHRISTOPHER R Director |
SELL | 12.75K | $489.89K | Indirect |
| Mar 2, 26 | MCINTYRE DEE ANN Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.75K | $401.04K | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CARLTON SCOTT L |
Director | 200.55K | Sale |
DRAHOZAL CHRISTOPHER R |
Director | 53.77K | Stock Award(Grant) |
HERNANDEZ STEVEN DENNIS |
Officer | 28.14K | Stock Award(Grant) |
LEIDWINGER KEVIN JAMES |
Chief Executive Officer | 87.30K | Stock Award(Grant) |
MARTIN ERIC J. |
Chief Financial Officer | 34.76K | Stock Award(Grant) |
MCINTYRE DEE ANN |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
MILLIGAN GEORGE D |
Director | 90.03K | Purchase |
NOYCE JAMES W |
Director | 32.82K | Stock Award(Grant) |
STEPHENSON JULIE A. |
Chief Operating Officer | 56.18K | Stock Award(Grant) |
VOSS SUSAN E |
Director | 26.14K | Stock Award(Grant) |
Fundamentals
Market cap$1.41B
Enterprise value$1.42B
Revenue (TTM)$1.47B
Gross profit$189.50M
EBITDA$200.88M
Net income$140.96M
EPS (TTM)$5.39
Free cash flow$255.64M
Total cash$139.44M
Total debt$146.35M
Book value / share$38.02
Shares outstanding25.71M
Float22.20M
Short % of float3.12%
Dividend yield1.46%
Beta (5Y)0.47
Valuation & profitability ratios
Trailing P/E10.18
Forward P/E11.34
PEG ratio1.41
Price / sales—
Price / book1.44
EV / revenue0.96
EV / EBITDA7.06
Gross margin12.86%
Operating margin11.76%
Profit margin9.57%
Return on equity15.47%
Return on assets3.09%
Debt / equity14.97
Current ratio0.36
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.39B | $1.25B | $1.10B | $988.22M | +10.9% |
| Operating revenue | $1.39B | $1.25B | $1.10B | $988.22M | +10.9% |
| Net interest income | -$11.27M | -$7.28M | -$3.26M | -$3.19M | -54.7% |
| Pre-tax income | $147.94M | $77.03M | -$39.72M | $12.08M | +92.0% |
| Tax provision | $29.75M | $15.08M | -$10.02M | -$2.95M | +97.3% |
| Net income | $118.19M | $61.96M | -$29.70M | $15.03M | +90.8% |
| Net income to common | $118.19M | $61.96M | -$29.70M | $15.03M | +90.8% |
| Basic EPS | 4.63 | 2.44 | -1.18 | 0.60 | +89.7% |
| Diluted EPS | 4.48 | 2.39 | -1.18 | 0.59 | +87.4% |
| EBIT | $159.20M | $84.31M | -$36.46M | $15.27M | +88.8% |
| Basic shares | 25.52M | 25.38M | 25.27M | 25.21M | +0.6% |
| Diluted shares | 26.38M | 25.92M | 25.27M | 25.48M | +1.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $156.33M | $200.95M | $102.05M | $96.65M | -22.2% |
| Cash & short-term investments | $1.27B | $2.07B | $1.79B | $96.92M | -38.4% |
| Accounts receivable | $736.43M | $681.63M | $688.06M | $536.68M | +8.0% |
| Property, plant & equipment | $132.63M | $136.02M | $134.25M | $133.11M | -2.5% |
| Goodwill & intangibles | $3.20M | $3.91M | $4.62M | $5.32M | -18.2% |
| Total assets | $3.84B | $3.49B | $3.14B | $2.88B | +10.1% |
| Long-term debt | $146.20M | $117.06M | $50.00M | $50.00M | +24.9% |
| Total debt | $146.20M | $117.06M | $50.00M | $50.00M | +24.9% |
| Total liabilities | $2.90B | $2.71B | $2.41B | $2.14B | +7.1% |
| Retained earnings | $722.32M | $620.44M | $574.69M | $620.55M | +16.4% |
| Shareholder equity | $941.17M | $781.53M | $733.75M | $740.11M | +20.4% |
| Net tangible assets | $937.97M | $777.63M | $729.13M | $734.79M | +20.6% |
| Shares issued | 25.52M | 25.38M | 25.27M | 25.21M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $118.19M | $61.96M | -$29.70M | $15.03M | — | +90.8% |
| Depreciation & amortisation | $10.77M | $10.90M | $10.51M | $7.67M | — | -1.2% |
| Stock-based compensation | $9.03M | $5.52M | $3.25M | $2.83M | — | +63.7% |
| Change in working capital | $131.57M | $203.50M | $74.36M | -$77.19M | — | -35.3% |
| Operating cash flow | $269.74M | $340.30M | $171.74M | -$1.25M | — | -20.7% |
| Capital expenditure | -$6.45M | -$11.87M | -$10.89M | -$2.14M | — | +45.7% |
| Investing cash flow | -$325.96M | -$292.49M | -$149.89M | -$19.17M | — | -11.4% |
| Share buybacks | -$993.00K | — | -$290.00K | $0 | -$2.43M | — |
| Dividends paid | -$16.31M | -$16.21M | -$16.16M | -$15.86M | — | -0.6% |
| Financing cash flow | $11.60M | $51.09M | -$16.45M | -$15.03M | — | -77.3% |
| Free cash flow | $263.30M | $328.43M | $160.85M | -$3.39M | — | -19.8% |
| End cash position | $156.33M | $200.95M | $102.05M | $96.65M | — | -22.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $383.72M | $369.44M | $366.19M | $354.02M | $336.58M | +3.9% |
| Operating revenue | $383.72M | $369.44M | $366.19M | $354.02M | $336.58M | +3.9% |
| Net interest income | -$3.19M | -$3.18M | -$3.18M | -$3.12M | -$2.48M | -0.1% |
| Pre-tax income | $41.94M | $38.01M | $48.20M | $48.68M | $29.20M | +10.3% |
| Tax provision | $8.58M | $7.96M | $9.85M | $9.49M | $6.25M | +7.8% |
| Net income | $33.37M | $30.05M | $38.35M | $39.19M | $22.95M | +11.0% |
| Net income to common | $33.37M | $30.05M | $38.35M | $39.19M | $22.95M | +11.0% |
| Basic EPS | 1.30 | 1.17 | 1.50 | 1.54 | 0.90 | +10.8% |
| Diluted EPS | 1.29 | 1.15 | 1.45 | 1.49 | 0.87 | +12.2% |
| EBIT | $45.13M | $41.20M | $51.39M | $51.79M | $31.69M | +9.6% |
| Basic shares | 25.70M | 25.65M | 25.52M | 25.51M | 25.49M | +0.2% |
| Diluted shares | 25.86M | 26.13M | 26.45M | 26.30M | 26.38M | -1.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $139.44M | $162.03M | $156.33M | $233.74M | $202.15M | -13.9% |
| Cash & short-term investments | $1.37B | $1.34B | $1.27B | $1.24B | $1.19B | +2.4% |
| Accounts receivable | $835.89M | $776.39M | $736.43M | $753.97M | $760.48M | +7.7% |
| Property, plant & equipment | $128.06M | $130.16M | $132.63M | $134.70M | $135.71M | -1.6% |
| Goodwill & intangibles | $3.02M | $3.02M | $3.20M | $3.37M | $3.55M | 0.0% |
| Total assets | $4.01B | $3.91B | $3.84B | $3.75B | $3.66B | +2.7% |
| Long-term debt | $146.35M | $146.27M | $146.20M | $146.13M | $117.16M | +0.1% |
| Total debt | $146.35M | $146.27M | $146.20M | $146.13M | $117.16M | +0.1% |
| Total liabilities | $3.04B | $2.96B | $2.90B | $2.86B | $2.82B | +2.6% |
| Retained earnings | $775.38M | $747.26M | $722.32M | $688.05M | $653.03M | +3.8% |
| Shareholder equity | $977.34M | $950.61M | $941.17M | $898.71M | $845.67M | +2.8% |
| Net tangible assets | $974.32M | $947.59M | $937.97M | $895.34M | $842.12M | +2.8% |
| Shares issued | 25.70M | 25.65M | 25.52M | 25.51M | 25.49M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $33.37M | $30.05M | $38.35M | $39.19M | $22.95M | +11.0% |
| Depreciation & amortisation | $2.67M | $2.93M | $2.96M | $2.82M | $2.50M | -8.6% |
| Stock-based compensation | $2.68M | $2.62M | $3.01M | $2.32M | $1.94M | +2.5% |
| Change in working capital | -$455.00K | $14.83M | $73.75M | $14.42M | $28.67M | -103.1% |
| Operating cash flow | $34.25M | $56.63M | $119.83M | $60.85M | $53.39M | -39.5% |
| Capital expenditure | -$516.00K | -$384.00K | -$655.00K | -$1.56M | -$1.74M | -34.4% |
| Investing cash flow | -$51.89M | -$43.38M | -$192.39M | -$55.06M | -$30.35M | -19.6% |
| Share buybacks | $203.00K | -$2.44M | -$760.00K | $985.00K | -$486.00K | +108.3% |
| Dividends paid | -$5.14M | -$5.11M | -$4.08M | -$4.08M | -$4.08M | -0.5% |
| Financing cash flow | -$4.94M | -$7.55M | -$4.84M | $25.80M | -$4.57M | +34.6% |
| Free cash flow | $33.73M | $56.24M | $119.18M | $59.29M | $51.65M | -40.0% |
| End cash position | $139.44M | $162.03M | $156.33M | $233.74M | $202.15M | -13.9% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
50.00
-8.9% from spot
ATM implied vol
0.8%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
50.00
0 contracts
Heaviest put OI
50.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.70 | 1.30 | +87.1% |
| Mar 2026 | 0.83 | 1.16 | +39.8% |
| Dec 2025 | 0.91 | 1.50 | +65.8% |
| Sep 2025 | 0.72 | 1.50 | +108.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.19 | 2 | $413.52M | +16.8% |
| Next quarter | 1.35 | 2 | $431.04M | +17.8% |
| Current year | 4.99 | 2 | $1.60B | +15.2% |
| Next year | 4.84 | 2 | $1.90B | +19.1% |
Analyst targets & ownership
Mean target$58.50
High target$60.00
Low target$57.00
Implied upside6.62%
Analyst count2
ConsensusNONE
Strong buy / Buy1 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders17.24%
Held by institutions70.37%
Institutions holding326
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
53.79
+2.01% from price
SMA 20
54.13
+1.36% from price
SMA 50
53.90
+1.81% from price
SMA 100
51.46
+6.62% from price
SMA 200
44.79
+22.51% from price
EMA 12
54.10
+1.43% from price
EMA 26
54.01
+1.60% from price
EMA 50
53.33
+2.89% from price
RSI (14)
57.2
Neutral
MACD (12,26,9)
0.09
Hist 0.06
ATR (14)
1.78
3.25% of price
Realised vol 30D
18.3%
Annualised
Bollinger upper
55.65
20, 2σ
Bollinger lower
52.61
20, 2σ
50 / 200 cross
Golden
53.90 vs 44.79
Trend bias
Above 200
+22.51%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.09
Less volatile than market
Correlation to SPY
0.04
Largely independent
Realised vol 30D
18.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.2%
Peak to trough
Max drawdown 5Y
-50.2%
Peak to trough
ATR 14
1.78
3.25% of price
Beta (reported)
0.47
5Y monthly, from filing
Short interest
Shares short
564.03K
Prior 619.30K
Change vs prior
-8.9%
Shorts covering
% of float
3.12%
Normal
% of shares out
2.19%
Against total outstanding
Days to cover
3.6
Liquid
Float
22.20M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 5, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 7, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 7, 26 | Jones Trading | MAINTAINED | Buy | Buy |
| May 6, 26 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Mar 2, 26 | Jones Trading | MAINTAINED | Buy | Buy |
| Feb 12, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Dec 22, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Nov 12, 25 | Jones Trading | MAINTAINED | Buy | Buy |
| Aug 11, 25 | Jones Trading | MAINTAINED | Buy | Buy |
| May 12, 25 | Jones Trading | MAINTAINED | Buy | Buy |
| Mar 5, 25 | Jones Trading | INITIATED | — | Buy |
| Feb 13, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
Dividends & splits
Forward rate$0.80 / yr
Forward yield1.46%
5-year avg yield2.22%
Payout ratio13.36%
Ex-dividend dateSep 4, 2026
Next pay dateSep 18, 2026
Last split2:1
Split dateDec 16, 2004
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-21
Periodic Financial Reports
10-Q · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-08-03
Corporate Changes & Voting Matters
8-K · 2026-07-17
Annual report of employee stock purchase
11-K · 2026-06-10
Corporate Changes & Voting Matters
8-K · 2026-05-26
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-06
Headlines
Here's Why Investors Should Stay Neutral on AMSF Stock for Now
Zacks · 7d ago
Should Value Investors Buy United Fire Group (UFCS) Stock?
Zacks · 7d ago
United Fire Group (UFCS) Has Surged This Year, Is It Still Undervalued?
Simply Wall St. · 9d ago
UVE Near 52-Week High: Time to Buy, Sell or Hold the Stock?
Zacks · 12d ago
The Zacks Analyst Blog Highlights Travelers, Universal Insurance, American Integrity Insurance and United Fire
Zacks · 12d ago
Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio
Zacks · 13d ago
AM Best Affirms Credit Ratings of United Fire Group, Inc. and Its Property/Casualty Subsidiaries
Business Wire · 19d ago
Are Investors Undervaluing United Fire Group (UFCS) Right Now?
Zacks · 23d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.