United Fire Group (NASDAQ:UFCS) Announces Earnings Results

United Fire Group (NASDAQ:UFCS) released its quarterly earnings data on Tuesday. The insurance provider reported $1.50 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.90 by $0.60, Zacks reports. United Fire Group had a return on equity of 14.19% and a net margin of 8.52%.The firm had revenue of $365.81 million for the quarter, compared to analyst estimates of $332.34 million.

United Fire Group Trading Up 7.2%

Shares of United Fire Group stock opened at $38.72 on Thursday. The company has a quick ratio of 0.37, a current ratio of 0.37 and a debt-to-equity ratio of 0.16. United Fire Group has a 12-month low of $25.01 and a 12-month high of $39.25. The company has a market capitalization of $987.75 million, a price-to-earnings ratio of 8.64 and a beta of 0.46. The firm’s 50-day moving average price is $36.09 and its two-hundred day moving average price is $33.28.

United Fire Group Increases Dividend

The company also recently disclosed a quarterly dividend, which will be paid on Tuesday, March 10th. Investors of record on Tuesday, February 24th will be given a dividend of $0.20 per share. This is a positive change from United Fire Group’s previous quarterly dividend of $0.16. This represents a $0.80 annualized dividend and a yield of 2.1%. The ex-dividend date of this dividend is Tuesday, February 24th. United Fire Group’s dividend payout ratio (DPR) is currently 15.09%.

Key Headlines Impacting United Fire Group

Here are the key news stories impacting United Fire Group this week:

• Positive Sentiment: Q4 beat — United Fire reported adjusted operating EPS of $1.50 (GAAP diluted EPS $1.45), topping consensus by roughly $0.60 and delivering revenue of $365.8M versus ~$332M expected; management called the quarter a record profit, supporting the rally. United Fire Group, Inc. reports fourth quarter and full year 2025 results
• Positive Sentiment: Dividend hike — The board approved a 25% increase to the quarterly dividend (to $0.20/share), raising the cash return to shareholders and signaling confidence in cash flow and capital adequacy. This tends to support the stock on income-focused demand. United Fire Group Hikes Dividend After Strong 2025 Results
• Positive Sentiment: Underwriting targets — Management said it’s targeting a sub-5% catastrophe loss ratio for 2026 and emphasized sustained profitable growth, which, if achieved, should materially improve combined ratios and underwriting income. United Fire Group signals sustained profitable growth with 25% dividend increase and targets sub-5% catastrophe loss ratio in 2026
• Neutral Sentiment: Earnings materials posted — Full call transcripts and slide deck are available (useful for analysts and investors to parse reserves, reinsurance costs and investment income details). These publications help clarify the drivers behind the beat but don’t themselves move fundamentals. United Fire UFCS Q4 2025 Earnings Call Transcript
• Negative Sentiment: Near-term technical/ dividend timing — The stock will trade ex-dividend on Feb. 24; the upcoming payout can produce short-term downward pressure around the ex-date and some investors may rotate after the one-time dividend boost. United Fire Group Signals Profitable Turn in Earnings Call

Institutional Trading of United Fire Group

Several large investors have recently made changes to their positions in UFCS. NewEdge Advisors LLC raised its position in United Fire Group by 17.7% during the first quarter. NewEdge Advisors LLC now owns 2,499 shares of the insurance provider’s stock valued at $74,000 after purchasing an additional 375 shares in the last quarter. The Manufacturers Life Insurance Company boosted its holdings in shares of United Fire Group by 5.2% in the 2nd quarter. The Manufacturers Life Insurance Company now owns 7,883 shares of the insurance provider’s stock valued at $226,000 after purchasing an additional 391 shares in the last quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. boosted its holdings in shares of United Fire Group by 4.6% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 12,482 shares of the insurance provider’s stock valued at $368,000 after purchasing an additional 546 shares in the last quarter. Illinois Municipal Retirement Fund increased its stake in shares of United Fire Group by 9.9% in the 4th quarter. Illinois Municipal Retirement Fund now owns 12,338 shares of the insurance provider’s stock valued at $448,000 after purchasing an additional 1,115 shares during the last quarter. Finally, Franklin Resources Inc. raised its holdings in shares of United Fire Group by 9.2% during the 3rd quarter. Franklin Resources Inc. now owns 14,573 shares of the insurance provider’s stock worth $443,000 after buying an additional 1,225 shares in the last quarter. Institutional investors and hedge funds own 62.68% of the company’s stock.

Wall Street Analyst Weigh In

A number of research analysts recently weighed in on the company. Jones Trading boosted their target price on United Fire Group from $33.00 to $38.00 and gave the stock a “buy” rating in a report on Wednesday, November 12th. Zacks Research downgraded shares of United Fire Group from a “strong-buy” rating to a “hold” rating in a report on Monday, January 5th. Wall Street Zen lowered shares of United Fire Group from a “buy” rating to a “hold” rating in a research report on Saturday, January 31st. Piper Sandler upped their price target on shares of United Fire Group from $35.00 to $37.00 and gave the company a “neutral” rating in a research note on Monday, December 22nd. Finally, Weiss Ratings reissued a “buy (b-)” rating on shares of United Fire Group in a report on Monday, December 29th. Two equities research analysts have rated the stock with a Buy rating and two have assigned a Hold rating to the company. Based on data from MarketBeat.com, the company has an average rating of “Moderate Buy” and a consensus target price of $37.50.

About United Fire Group

United Fire Group, Inc (NASDAQ: UFCS) is an insurance holding company based in Cedar Rapids, Iowa, that specializes in property and casualty coverage for commercial and personal lines. The company underwrites business through three primary segments: commercial, personal and specialty insurance. Within the commercial segment, United Fire Group offers tailored policies for small- and medium-sized enterprises, including general liability, commercial property and workers’ compensation. Its personal lines cover homeowners, auto, farm and umbrella policies.

United Fire Group distributes its products primarily through a national network of independent insurance agents and brokers.