United Fire Group, Inc. (UFCS) SEC Filings & Earnings Calls
EquiReason read 17 United Fire Group, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-21 — Press release announcing Q3 2026 earnings release date and conference call. No financial results or material business event disclosed..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
UFCSUnited Fire Group, Inc.Follow UFCS — free
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- Market cap
- 1.5B
- P/E TTM
- 10.7
- Dividend yield
- 1.3%
- 52-week
- —
- Next earnings
- 4 Nov, in 11 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
21 Oct 20268-K · 8.01Press release announcing Q3 2026 earnings release date and conference call. No financial results or material business event disclosed.SEC ↗
21 Aug 20268-K · 5.02, 7.01, 8.01Board declared $0.20 per share quarterly cash dividend; routine declaration with long history.open
Figures in the filing · each found in the filing text
| quarterly cash dividend per share · Q3-2026 | $0.20 |
4 Aug 202610-QUnited Fire Group reported improved Q2 2026 results with net income up 45% YoY to $33.4M, driven by premium growth and higher investment income.earningsopen
Figures in the filing · each found in the filing text
| Net earned premium · Q2-2026 | $354M | +13% y/y |
| Net income · Q2-2026 | $33M | +45% y/y |
| Net investment income · Q2-2026 | $29M | +34% y/y |
| Losses and loss settlement expenses · Q2-2026 | $212M | +10% y/y |
Risks flagged
Reserve inadequacy
“Losses and loss settlement expenses increased 9.6% YoY, outpacing premium growth.”
Investment portfolio unrealized losses
“Accumulated other comprehensive income (loss), net of tax $ (25,019) from $ (5,063) at year-end 2025, driven by unrealized losses on fixed maturities.” · word for word
3 Aug 20268-K · 2.02Net income $33M (+45% y/y); Diluted earnings per share $1.29 (+48% y/y); Net written premium $406M (+9% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $33M | +45% y/y |
| Diluted earnings per share · Q2-2026 | $1.29 | +48% y/y |
| Net written premium · Q2-2026 | $406M | +9% y/y |
| Combined ratio · Q2-2026 | 95.3% | |
| Net investment income · Q2-2026 | $29M | +34% y/y |
| Book value per share · Q2-2026 | $38.02 |
Risks flagged
Catastrophe loss ratio of 2.7% remains a source of volatility.
“Catastrophe loss ratio of 2.7%.” · word for word
17 Jul 20268-K · 8.01United Fire Group announced Q2 2026 earnings release date of August 3, 2026 and conference call on August 4, 2026.SEC ↗
26 May 20268-K · 5.02Reported the departure of a director or principal officer (CEO/CFO change); filed financial statements and exhibits with this reportSEC ↗
20 May 20268-K · 5.07, 7.01, 8.01Submitted matters to a vote of security holders; issued a Regulation FD disclosure (forward guidance or material update)SEC ↗
6 May 202610-QNet earned premium $343M (+11% y/y); Net income $30M (+70% y/y); Operating cash flow $57M (+59% y/y)open
Figures in the filing · each found in the filing text
| Net earned premium · Q1-2026 | $343M | +11% y/y |
| Net income · Q1-2026 | $30M | +70% y/y |
| Operating cash flow · Q1-2026 | $57M | +59% y/y |
| Net investment income · Q1-2026 | $27M | +15% y/y |
Risks flagged
Catastrophe loss volatility
“Changing weather patterns and climate change add to the unpredictability, frequency and severity of catastrophe losses and may adversely affect the results of our operations, liquidity and financial condition” · word for word
Reserve inadequacy
“Our reserves for property and casualty insurance losses and loss settlement expenses are based on estimates and may be inadequate, adversely impacting our financial results” · word for word
Investment portfolio risk
“We are subject to certain risks related to our investment portfolio that could negatively affect our profitability” · word for word
5 May 20268-K · 2.02United Fire Group reports Q1 2026 net income $30.1M ($1.15/diluted), up 70% YoY; combined ratio improved 3.8 pts to 95.6%; net written premium +12.4% to $376.9M; ROE 12.7%.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $30M | +70% y/y |
| Net written premium · Q1-2026 | $377M | +12% y/y |
| Combined ratio · Q1-2026 | 95.6% | |
| Underlying combined ratio · Q1-2026 | 91.9% | |
| Net investment income · Q1-2026 | $27M | +15% y/y |
| Book value per share · 2026-03-31 | $37.06 | |
| Adjusted book value per share · 2026-03-31 | $38.61 | |
| Return on equity · Q1-2026 | 12.7% | |
| Net earned premium · Q1-2026 | $343M | +11% y/y |
| Adjusted operating income · Q1-2026 | $30M | +65% y/y |
Risks flagged
Catastrophe loss exposure remains a risk, though lower this quarter.
“Catastrophe loss ratio of 3.7% vs 5.0% prior year.”
21 Apr 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportSEC ↗
7 Apr 2026DEF 14AProxy statement for 2026 Annual Meeting, including advisory vote on executive compensation and amendment to Non-Employee Director Stock Plan.open
Figures in the filing · each found in the filing text
| Adjusted Return on Equity · FY2025 | 10.8% | |
| Written Premium Growth · FY2025 | $1.49B | |
| Net Adjusted Loss Ratio · FY2025 | 61.6% | |
| Underwriting Expense Ratio · FY2025 | 35.6% | |
| Core Earnings · FY2025 | $116M | |
| Net Income · FY2025 | $118M | |
| Total Shareholder Return · FY2025 | $155.00 | |
| Peer Group Total Shareholder Return · FY2025 | $169.00 |
26 Feb 202610-KStatutory Net Income $106M (+115% y/y); Statutory Capital and Surplus $860M (+19% y/y); Current Year Incurred Losses $778M (+4% y/y)open
Figures in the filing · each found in the filing text
| Statutory Net Income · FY2025 | $106M | +115% y/y |
| Statutory Capital and Surplus · FY2025 | $860M | +19% y/y |
| Current Year Incurred Losses · FY2025 | $778M | +4% y/y |
| Prior Year Reserve Development · FY2025 | $-14M | |
| Gross Liability for Losses and LAE · FY2025 | $1.92B | +7% y/y |
Risks flagged
Social inflation and reserve uncertainty
“Favorable results in several lines were largely offset by increases in other liability reserves exposed to potential future uncertainty associated with social inflation influences prevalent across the industry.” · word for word
Catastrophe loss exposure
“If we incur property catastrophe losses and loss settlement expenses that exceed the stated retention amounts, our property catastrophe program provides one guaranteed reinstatement.” · word for word
11 Feb 20268-K · 2.02, 8.01Net income $38M; Net written premium $310M (+11% y/y); Combined ratio 92.3earningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $38M | |
| Net written premium · Q4-2025 | $310M | +11% y/y |
| Combined ratio · Q4-2025 | 92.3% | |
| Underlying combined ratio · Q4-2025 | 91.1% | |
| Net investment income · Q4-2025 | $26M | +14% y/y |
| Book value per share · 2025-12-31 | $36.88 |
Risks flagged
Catastrophe losses remain a factor but improved YoY.
“catastrophe loss ratio of 1.2% in Q4 2025 vs 1.6% in Q4 2024”
26 Jan 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportSEC ↗
21 Nov 20258-K · 8.01Quarterly dividend per share $0.16open
Figures in the filing · each found in the filing text
| quarterly dividend per share · Q4-2025 | $0.16 |
5 Nov 202510-QUnited Fire Group reported Q3 2025 net earned premium of $328.4M (+9.4% YoY) and net income of $39.2M (doubled YoY), driven by strong underwriting and investment income, though credit loss allowance on commercial mortgage loans increased.earningsopen
Figures in the filing · each found in the filing text
| Net earned premium · Q3-2025 | $328M | +9% y/y |
| Net income · Q3-2025 | $39M | +99% y/y |
| Net investment income · Q3-2025 | $26M | +6% y/y |
| Operating cash flow · 9M-2025 | $150M | -19% y/y |
| Losses and loss settlement expenses · Q3-2025 | $188M | +1% y/y |
| Gross unrealized loss on fixed maturities · Q3-2025 | $60M | |
| Commercial mortgage loan credit loss allowance · Q3-2025 | $1M |
Risks flagged
Commercial mortgage loan credit risk
“The increase in the credit loss allowance relates to a mortgage loan collateralized by commercial office property with declining occupancy rates.” · word for word
Investment portfolio unrealized loss
“Gross Unrealized Loss │ $ │ 59,773”
4 Nov 20258-K · 2.02Net income $39M (+98% y/y); Net written premium $328M (+7% y/y); Combined ratio 91.9earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $39M | +99% y/y |
| Net written premium · Q3-2025 | $328M | +7% y/y |
| Combined ratio · Q3-2025 | 91.9% | |
| Underlying combined ratio · Q3-2025 | 90.6% | |
| Net investment income · Q3-2025 | $26M | +6% y/y |
| Book value per share · Q3-2025 | $35.22 | |
| Return on equity · 9M-2025 | 12.7% | |
| Adjusted operating income · Q3-2025 | $40M | +88% y/y |
Risks flagged
Catastrophe loss ratio improved but remains a risk factor
“Catastrophe loss ratio improved 3.1 points to 1.3% on relatively light third quarter catastrophe activity.” · word for word
United Fire Group, Inc. — questions
- What did United Fire Group, Inc. file recently?
- 17 SEC filings in the last 12 months. Latest: 8-K on 2026-10-21 — Press release announcing Q3 2026 earnings release date and conference call. No financial results or material business event disclosed.
Every figure on this page comes from United Fire Group, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.