US · UFCS
United Fire Group, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Cedar Rapids, IA 52401
- Website
- ufginsurance.com
Price · as of 2025-12-31
$39.89
Market cap 991.78M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $38.51 | -3.46% |
| Intrinsic Value(DCF) | $93.80 | +135.15% |
| Graham-Dodd Method(GD) | $48.80 | +22.35% |
| Graham Formula(GF) | $82.70 | +107.33% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $12.60 | $22.98 | $0.00 | $0.00 | $0.01 |
| 2012 | $17.17 | $13,171.54 | $97.96 | $27.20 | $35.83 |
| 2013 | $20.71 | $17.87 | $165.07 | $34.94 | $45.66 |
| 2014 | $21.31 | $17.62 | $4.51 | $32.09 | $37.30 |
| 2015 | $30.65 | $21.12 | $0.00 | $39.15 | $13.22 |
| 2016 | $32.21 | $25.79 | $22.87 | $31.75 | $34.73 |
| 2017 | $36.71 | $26.56 | $25.04 | $32.24 | $30.36 |
| 2018 | $38.59 | $38.39 | $23.08 | $0.00 | $11.53 |
| 2019 | $32.20 | $17.59 | $3.87 | $19.08 | $11.00 |
| 2020 | $31.68 | $55.16 | $0.00 | $0.00 | $7.32 |
| 2021 | $25.38 | $28.47 | $12.12 | $42.09 | $19.97 |
| 2022 | $25.12 | $44.49 | $15.08 | $22.66 | $1.19 |
| 2023 | $21.55 | $7,045.61 | $0.00 | $13.56 | $0.00 |
| 2024 | $27.38 | $50.24 | $22.55 | $33.50 | $52.66 |
| 2025 | $39.28 | $38.51 | $163.18 | $48.80 | $82.70 |
AI valuation
Our deep-learning model estimates United Fire Group, Inc.'s (UFCS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $38.51
- Current price
- $39.89
- AI upside
- -3.46%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$93.80
+135.15% upside
Graham-Dodd
$48.80
+22.35% upside
Graham Formula
$82.70
+107.33% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UFCS | United Fire Group, Inc. | $39.89 | 991.78M | -3% | +135% | +22% | +107% | 8.77 | 1.10 | 0.75 | 5.53 | 10.03 | 1.10 | 44.86% | 10.67% | 8.52% | 13.72% | 42.55% | 3.23% | 0.00 | 13.13 | — | — | -0.98 | 8745.00% | 1075.00% | -1983.00% | 25.41% | — | 94.79% | 1.57% | 13.80% | 8.56% | 5.95 | 3.34 | 0.63 | 0.75 |
| ACIC | American Coastal Insuranc… | $11.39 | 555.44M | +870% | +21% | -65% | +181% | 7.14 | 2.29 | 1.82 | 3.33 | — | 3.17 | 52.70% | 37.62% | 25.52% | 37.44% | 193.20% | 6.65% | 0.65 | 9.30 | — | — | 0.12 | -7808.00% | 1251.00% | -27877.00% | 45.06% | — | 561.53% | 4.46% | 31.80% | 4.46% | 3.65 | 1.67 | 1.37 | 0.66 |
| AMSF | AMERISAFE, Inc. | $32.53 | 617.77M | +93% | -16% | +3% | -19% | 13.53 | 0.56 | 2.01 | 9.79 | — | 0.56 | 46.43% | 18.55% | 14.86% | 6.79% | 7.89% | 6.83% | 0.00 | — | — | — | -1.05 | -1453.00% | 263.00% | -6179.00% | 1.40% | — | 1.49% | 7.62% | 103.10% | 10.42% | 9.79 | 64.58 | 1.82 | 3.07 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| BOW | Bowhead Specialty Holding… | $25.33 | 830.4M | +227% | +2,362% | -14% | +136% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| DGICA | Donegal Group Inc. | $17.62 | 639.97M | +187% | -52% | +91% | +2% | 6.85 | 0.85 | 0.56 | 5.58 | 16.14 | 0.95 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.66 | — | 0.56 | 0.92 |
| EQBK | Equity Bancshares, Inc. | $44.88 | 856.15M | +122% | +312% | +5% | +360% | 9.78 | 1.03 | 1.88 | -2.95 | 1.40 | 1.17 | 66.66% | 23.97% | 19.18% | 11.98% | -17.14% | 1.21% | 0.53 | 0.71 | 0.28 | 0.28 | -0.80 | 70000.00% | 4533.00% | 822.00% | 10.67% | 0.02 | -17.89% | 1.29% | 12.60% | 17.58% | -3.34 | -4.00 | -0.80 | -0.48 |
| HRTG | Heritage Insurance Holdin… | $27.87 | 861.5M | +1% | -31% | -30% | +35% | 5.66 | 1.20 | 0.43 | -0.53 | 34.96 | 1.37 | 21.88% | 10.12% | 7.53% | 24.08% | -41.50% | 2.68% | 0.49 | 7.56 | — | — | -3.02 | 1618.00% | 1108.00% | 3030.00% | 22.65% | — | -53.19% | 0.02% | 0.10% | 0.02% | -0.66 | -0.69 | -0.07 | 0.59 |
| MBWM | Mercantile Bank Corporati… | $51.66 | 887.58M | +39% | -1% | +30% | +14% | 9.63 | 1.18 | 2.30 | 0.98 | 89.56 | 1.35 | 64.03% | 27.46% | 23.87% | 13.56% | 209.76% | 1.38% | 1.14 | 0.79 | 0.29 | 0.29 | 3.31 | 1075.00% | 274.00% | -8789.00% | 1.31% | 0.00 | 26.49% | 0.00% | 0.00% | 0.00% | 1.03 | 9.35 | 0.28 | -0.42 |
| SLRC | SLR Investment Corp. | $14.42 | 786.68M | +196% | -59% | +85% | +275% | — | 0.81 | 3.65 | 11.83 | — | 0.81 | 73.34% | 72.88% | 42.04% | 0.00% | 8.59% | 0.00% | 1.15 | 2.36 | 0.31 | 0.31 | 6.91 | -341.00% | 2476.00% | -14613.00% | -8.96% | -0.82 | -3.85% | 0.02% | — | 0.02% | 12.06 | -26.86 | 8.79 | 0.50 |
| UVE | Universal Insurance Holdi… | $35.17 | 986.48M | +173% | -20% | +49% | +141% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
About United Fire Group, Inc.
United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance; and commercial multiple peril and inland marine insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and fidelity and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.
- CEO
- Kevin James Leidwinger
- Employees
- 877
- Beta
- 0.45
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($93.80 ÷ $39.89) − 1 = +135.15% (DCF, example).