United Fire Group Stock Analysis
UFCS Stock | USD 30.47 0.58 1.94% |
United Fire Group is overvalued with Real Value of 25.15 and Target Price of 18.0. The main objective of United Fire stock analysis is to determine its intrinsic value, which is an estimate of what United Fire Group is worth, separate from its market price. There are two main types of United Fire's stock analysis: fundamental analysis and technical analysis.
The United Fire stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. United Fire is usually not traded on Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday. United Stock trading window is adjusted to America/New York timezone.
United |
United Stock Analysis Notes
About 18.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.96. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. United Fire Group has Price/Earnings To Growth (PEG) ratio of 2.9. The entity last dividend was issued on the 29th of November 2024. The firm had 2:1 split on the 16th of December 2004. United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa. United Fire operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. It employs 1086 people. For more information please call Kevin Leidwinger at 319 399 5700 or visit https://www.ufginsurance.com.United Fire Quarterly Total Revenue |
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United Fire Group Investment Alerts
United Fire Group appears to be risky and price may revert if volatility continues | |
United Fire Group currently holds 50 M in liabilities with Debt to Equity (D/E) ratio of 0.06, which may suggest the company is not taking enough advantage from borrowing. United Fire Group has a current ratio of 0.31, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Note, when we think about United Fire's use of debt, we should always consider it together with its cash and equity. | |
The entity reported the previous year's revenue of 1.1 B. Net Loss for the year was (29.7 M) with profit before overhead, payroll, taxes, and interest of 15.27 M. | |
United Fire Group has a frail financial position based on the latest SEC disclosures | |
About 66.0% of United Fire outstanding shares are owned by institutional investors | |
Latest headline from zacks.com: Is United Fire Group Stock Undervalued Right Now |
United Fire Group Upcoming and Recent Events
21st of February 2024 Upcoming Quarterly Report | View | |
13th of May 2024 Next Financial Report | View | |
31st of December 2023 Next Fiscal Quarter End | View | |
21st of February 2024 Next Fiscal Year End | View | |
30th of September 2023 Last Quarter Report | View | |
31st of December 2022 Last Financial Announcement | View |
United Largest EPS Surprises
Earnings surprises can significantly impact United Fire's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
---|---|---|---|---|---|---|---|
2016-08-03 | 2016-06-30 | 0.07 | 0.08 | 0.01 | 14 | ||
2021-05-05 | 2021-03-31 | -0.06 | -0.03 | 0.03 | 50 | ||
2011-05-02 | 2011-03-31 | 0.19 | 0.16 | -0.03 | 15 |
United Fire Environmental, Social, and Governance (ESG) Scores
United Fire's ESG score is a quantitative measure that evaluates United Fire's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of United Fire's operations that may have significant financial implications and affect United Fire's stock price as well as guide investors towards more socially responsible investments.
United Fire Thematic Classifications
In addition to having United Fire stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Insurance ProvidersAll types of insurance and insurance brokerages |
United Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares | Amvescap Plc. | 2024-06-30 | 236.7 K | Millennium Management Llc | 2024-06-30 | 234.2 K | Northern Trust Corp | 2024-09-30 | 217.4 K | Goldman Sachs Group Inc | 2024-06-30 | 204.5 K | Bank Of New York Mellon Corp | 2024-06-30 | 193.3 K | Envestnet Asset Management Inc | 2024-09-30 | 186.9 K | Foundry Partners, Llc | 2024-09-30 | 178.2 K | Wells Fargo & Co | 2024-06-30 | 173 K | Jacobs Levy Equity Management, Inc. | 2024-09-30 | 146.2 K | Blackrock Inc | 2024-06-30 | 3.6 M | Dimensional Fund Advisors, Inc. | 2024-09-30 | 1.3 M |
United Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 757.48 M.United Profitablity
The company has Profit Margin (PM) of 0.04 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.09 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.09.Last Reported | Projected for Next Year | ||
Return On Tangible Assets | (0.01) | (0.01) | |
Return On Capital Employed | 0.01 | 0.01 | |
Return On Assets | (0.01) | (0.01) | |
Return On Equity | (0.04) | (0.04) |
Management Efficiency
United Fire Group has return on total asset (ROA) of 0.0128 % which means that it generated a profit of $0.0128 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0701 %, meaning that it created $0.0701 on every $100 dollars invested by stockholders. United Fire's management efficiency ratios could be used to measure how well United Fire manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to -0.009 in 2024. Return On Capital Employed is likely to drop to 0.01 in 2024. At this time, United Fire's Non Current Assets Total are comparatively stable compared to the past year. Intangible Assets is likely to gain to about 6.7 M in 2024, despite the fact that Other Assets are likely to grow to (1.3 B).Last Reported | Projected for Next Year | ||
Book Value Per Share | 29.04 | 21.06 | |
Tangible Book Value Per Share | 28.85 | 20.81 | |
Enterprise Value Over EBITDA | (17.58) | (16.71) | |
Price Book Value Ratio | 0.69 | 1.26 | |
Enterprise Value Multiple | (17.58) | (16.71) | |
Price Fair Value | 0.69 | 1.26 | |
Enterprise Value | 456.4 M | 426.4 M |
United Fire showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Dividend Yield 0.0214 | Operating Margin 0.085 | Profit Margin 0.0415 | Forward Dividend Yield 0.0214 | Beta 0.376 |
Technical Drivers
As of the 25th of November, United Fire has the Risk Adjusted Performance of 0.1516, semi deviation of 1.08, and Coefficient Of Variation of 533.54. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Fire Group, as well as the relationship between them. Please validate United Fire Group coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and semi variance to decide if United Fire is priced more or less accurately, providing market reflects its prevalent price of 30.47 per share. Given that United Fire Group has jensen alpha of 0.2733, we advise you to double-check United Fire Group's current market performance to make sure the company can sustain itself at a future point.United Fire Group Price Movement Analysis
The output start index for this execution was eleven with a total number of output elements of fifty. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. United Fire middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for United Fire Group. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
United Fire Group Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific United Fire insiders, such as employees or executives, is commonly permitted as long as it does not rely on United Fire's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases United Fire insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
United Fire Outstanding Bonds
United Fire issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. United Fire Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most United bonds can be classified according to their maturity, which is the date when United Fire Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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United Fire Predictive Daily Indicators
United Fire intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of United Fire stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
United Fire Corporate Filings
F4 | 19th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 18th of November 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 15th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 6th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 5th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 30th of October 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 22nd of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 4th of October 2024 An amended filing to the original Schedule 13G | ViewVerify |
United Fire Forecast Models
United Fire's time-series forecasting models are one of many United Fire's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary United Fire's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About United Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how United Fire prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling United shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as United Fire. By using and applying United Stock analysis, traders can create a robust methodology for identifying United entry and exit points for their positions.
Last Reported | Projected for Next Year | ||
Pretax Profit Margin | (0.04) | (0.03) | |
Operating Profit Margin | 0.02 | 0.02 | |
Net Loss | (0.03) | (0.03) | |
Gross Profit Margin | 1.14 | 1.09 |
Current United Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. United analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. United analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Price | Advice | # of Analysts | |
18.0 | Hold | 1 | Odds |
Most United analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand United stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of United Fire Group, talking to its executives and customers, or listening to United conference calls.
United Stock Analysis Indicators
United Fire Group stock analysis indicators help investors evaluate how United Fire stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading United Fire shares will generate the highest return on investment. By understating and applying United Fire stock analysis, traders can identify United Fire position entry and exit signals to maximize returns.
Begin Period Cash Flow | 96.7 M | |
Long Term Debt | 50 M | |
Common Stock Shares Outstanding | 25.2 M | |
Total Stockholder Equity | 733.7 M | |
Tax Provision | -12 M | |
Quarterly Earnings Growth Y O Y | 2.04 | |
Property Plant And Equipment Net | 134.2 M | |
Cash And Short Term Investments | 102.1 M | |
Cash | 102 M | |
Net Debt | -52 M | |
50 Day M A | 21.7938 | |
Total Current Liabilities | 1.6 B | |
Other Operating Expenses | 1.1 B | |
Non Current Assets Total | 3.9 B | |
Non Currrent Assets Other | -1.9 B | |
Stock Based Compensation | 3.2 M |
Additional Tools for United Stock Analysis
When running United Fire's price analysis, check to measure United Fire's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Fire is operating at the current time. Most of United Fire's value examination focuses on studying past and present price action to predict the probability of United Fire's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Fire's price. Additionally, you may evaluate how the addition of United Fire to your portfolios can decrease your overall portfolio volatility.