United Fire (UFCS)
Market Price (1/20/2026): $35.43 | Market Cap: $903.5 MilSector: Financials | Industry: Property & Casualty Insurance
United Fire (UFCS)
Market Price (1/20/2026): $35.43Market Cap: $903.5 MilSector: FinancialsIndustry: Property & Casualty Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.9%, FCF Yield is 33% | Weak multi-year price returns3Y Excs Rtn is -41% | Key risksUFCS key risks include [1] increased competition from larger insurers targeting its core small to mid-market commercial customers and [2] financial liabilities from identified rating errors that resulted in overcharges to policyholders. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22% | ||
| Low stock price volatilityVol 12M is 31% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.9%, FCF Yield is 33% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22% |
| Low stock price volatilityVol 12M is 31% |
| Weak multi-year price returns3Y Excs Rtn is -41% |
| Key risksUFCS key risks include [1] increased competition from larger insurers targeting its core small to mid-market commercial customers and [2] financial liabilities from identified rating errors that resulted in overcharges to policyholders. |
Why The Stock Moved
Qualitative Assessment
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Following a robust third quarter in 2025 and positive analyst sentiment, United Fire (UFCS) experienced an approximate 17.7% stock movement between October 31, 2025, and January 20, 2026, driven by several key factors.
1. Significant Q3 2025 Earnings Outperformance: United Fire Group reported strong third-quarter 2025 results on November 5, 2025, with earnings per share (EPS) of $1.50, more than doubling the forecasted $0.71. Revenue also surpassed expectations, reaching $328.43 million against a forecast of $322.83 million. This substantial beat led to an 11% surge in the stock during after-hours trading.
2. Favorable Analyst Ratings and Increased Price Targets: In November and December 2025, several analyst firms either maintained positive ratings or raised their price targets for UFCS. Notably, on December 22, 2025, Piper Sandler maintained a "Hold" rating while increasing its price target to $37, and Jones Trading raised its target price to $38.00 per share from $33.00. The consensus analyst rating as of January 17, 2026, was "Buy," with an average price target of $37.50, suggesting a potential increase in stock price.
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1. Significant Q3 2025 Earnings Outperformance: United Fire Group reported strong third-quarter 2025 results on November 5, 2025, with earnings per share (EPS) of $1.50, more than doubling the forecasted $0.71. Revenue also surpassed expectations, reaching $328.43 million against a forecast of $322.83 million. This substantial beat led to an 11% surge in the stock during after-hours trading.
2. Favorable Analyst Ratings and Increased Price Targets: In November and December 2025, several analyst firms either maintained positive ratings or raised their price targets for UFCS. Notably, on December 22, 2025, Piper Sandler maintained a "Hold" rating while increasing its price target to $37, and Jones Trading raised its target price to $38.00 per share from $33.00. The consensus analyst rating as of January 17, 2026, was "Buy," with an average price target of $37.50, suggesting a potential increase in stock price.
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Stock Movement Drivers
Fundamental Drivers
The 17.7% change in UFCS stock from 10/31/2025 to 1/19/2026 was primarily driven by a 18.4% change in the company's Net Income Margin (%).| 10312025 | 1192026 | Change | |
|---|---|---|---|
| Stock Price ($) | 30.10 | 35.42 | 17.69% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1322.39 | 1353.45 | 2.35% |
| Net Income Margin (%) | 6.94% | 8.22% | 18.39% |
| P/E Multiple | 8.35 | 8.12 | -2.75% |
| Shares Outstanding (Mil) | 25.47 | 25.50 | -0.12% |
| Cumulative Contribution | 17.69% |
Market Drivers
10/31/2025 to 1/19/2026| Return | Correlation | |
|---|---|---|
| UFCS | 17.7% | |
| Market (SPY) | 1.4% | 10.3% |
| Sector (XLF) | 4.0% | 25.6% |
Fundamental Drivers
The 34.7% change in UFCS stock from 7/31/2025 to 1/19/2026 was primarily driven by a 59.9% change in the company's Net Income Margin (%).| 7312025 | 1192026 | Change | |
|---|---|---|---|
| Stock Price ($) | 26.29 | 35.42 | 34.70% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1286.98 | 1353.45 | 5.16% |
| Net Income Margin (%) | 5.14% | 8.22% | 59.95% |
| P/E Multiple | 10.09 | 8.12 | -19.57% |
| Shares Outstanding (Mil) | 25.39 | 25.50 | -0.43% |
| Cumulative Contribution | 34.70% |
Market Drivers
7/31/2025 to 1/19/2026| Return | Correlation | |
|---|---|---|
| UFCS | 34.7% | |
| Market (SPY) | 9.7% | 21.2% |
| Sector (XLF) | 4.3% | 38.1% |
Fundamental Drivers
The 45.8% change in UFCS stock from 1/31/2025 to 1/19/2026 was primarily driven by a 98.5% change in the company's Net Income Margin (%).| 1312025 | 1192026 | Change | |
|---|---|---|---|
| Stock Price ($) | 24.30 | 35.42 | 45.79% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1210.30 | 1353.45 | 11.83% |
| Net Income Margin (%) | 4.14% | 8.22% | 98.53% |
| P/E Multiple | 12.28 | 8.12 | -33.91% |
| Shares Outstanding (Mil) | 25.34 | 25.50 | -0.65% |
| Cumulative Contribution | 45.79% |
Market Drivers
1/31/2025 to 1/19/2026| Return | Correlation | |
|---|---|---|
| UFCS | 45.8% | |
| Market (SPY) | 15.9% | 34.7% |
| Sector (XLF) | 6.9% | 48.5% |
Fundamental Drivers
The 21.5% change in UFCS stock from 1/31/2023 to 1/19/2026 was primarily driven by a 50.4% change in the company's Net Income Margin (%).| 1312023 | 1192026 | Change | |
|---|---|---|---|
| Stock Price ($) | 29.15 | 35.42 | 21.52% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 962.93 | 1353.45 | 40.55% |
| Net Income Margin (%) | 5.47% | 8.22% | 50.38% |
| P/E Multiple | 13.95 | 8.12 | -41.80% |
| Shares Outstanding (Mil) | 25.19 | 25.50 | -1.24% |
| Cumulative Contribution | 21.50% |
Market Drivers
1/31/2023 to 1/19/2026| Return | Correlation | |
|---|---|---|
| UFCS | 21.5% | |
| Market (SPY) | 76.5% | 28.5% |
| Sector (XLF) | 55.7% | 47.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| UFCS Return | -6% | 20% | -24% | 45% | 30% | -2% | 61% |
| Peers Return | 42% | 5% | 6% | 24% | 14% | -2% | 119% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 85% |
Monthly Win Rates [3] | |||||||
| UFCS Win Rate | 58% | 50% | 50% | 58% | 50% | 0% | |
| Peers Win Rate | 68% | 47% | 53% | 60% | 57% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 100% | |
Max Drawdowns [4] | |||||||
| UFCS Max Drawdown | -17% | 0% | -30% | -7% | -13% | -3% | |
| Peers Max Drawdown | -5% | -10% | -10% | -5% | -10% | -4% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | 0% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CINF, THG, SIGI, ORI, AFG.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 1/16/2026 (YTD)
How Low Can It Go
| Event | UFCS | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -49.6% | -25.4% |
| % Gain to Breakeven | 98.5% | 34.1% |
| Time to Breakeven | 809 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -59.1% | -33.9% |
| % Gain to Breakeven | 144.4% | 51.3% |
| Time to Breakeven | Not Fully Recovered days | 148 days |
| 2018 Correction | ||
| % Loss | -31.5% | -19.8% |
| % Gain to Breakeven | 45.9% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -68.2% | -56.8% |
| % Gain to Breakeven | 214.9% | 131.3% |
| Time to Breakeven | 2,674 days | 1,480 days |
Compare to CINF, THG, SIGI, ORI, AFG
In The Past
United Fire's stock fell -49.6% during the 2022 Inflation Shock from a high on 6/24/2022. A -49.6% loss requires a 98.5% gain to breakeven.
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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.
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- Property & Casualty Insurance: This service provides coverage for a wide range of risks, including commercial property, general liability, workers' compensation, and personal automobile and homeowners' insurance.
- Life Insurance: This service offers financial protection to beneficiaries upon the death of the insured through various individual and group life insurance policies.
- Annuities: These financial products provide a guaranteed stream of income, often used for retirement planning, with options for fixed or deferred payments.
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United Fire Group (symbol: UFCS) is an insurance company that primarily underwrites property and casualty insurance, as well as some life insurance products. Due to the diversified nature of the insurance business, UFCS does not have "major customers" in the traditional sense (i.e., individual companies that account for a significant portion of its revenue), nor does it disclose specific policyholder names. Its business model relies on a broad base of policyholders served through independent insurance agents.
Based on its financial reporting, UFCS primarily sells commercial insurance to other companies, which constitutes a larger portion of its property and casualty premiums compared to personal lines. Therefore, its primary customer base consists of businesses.
Primary Customer Base (Businesses):
While specific names of customer companies are not available or disclosed (as is typical for diversified insurers), UFCS serves a diverse range of small to medium-sized businesses across various industries. These businesses are its policyholders for commercial insurance products. The categories of businesses that would typically utilize UFCS's commercial insurance offerings include:
- Small and Mid-sized Commercial Enterprises: Businesses in sectors like retail, wholesale, hospitality, and general services that require property, liability, commercial auto, and workers' compensation insurance.
- Contractors and Artisans: Companies involved in construction, trades, and various services, needing specialized liability and property coverage.
- Manufacturing and Industrial Companies: Businesses engaged in production activities, which often require comprehensive coverage for property, equipment, product liability, and workers' compensation.
Secondary Customer Base (Individuals):
UFCS also offers personal lines insurance and life insurance, serving individuals and families. Categories of individual customers include:
- Homeowners and Renters: Individuals seeking coverage for their residences and personal property.
- Vehicle Owners: Individuals requiring automobile insurance for personal vehicles.
- Life Insurance Policyholders: Individuals purchasing life insurance products for financial protection and planning.
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- Munich Re (MUV2)
- Swiss Re (SREN)
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Kevin J. Leidwinger, President and Chief Executive Officer
Kevin Leidwinger was appointed President and Chief Executive Officer of United Fire Group in August 2022, bringing with him over 30 years of experience in the insurance industry. Prior to joining UFG, Mr. Leidwinger served as President and Chief Operating Officer of CNA Commercial. He also held various casualty, liability, and underwriting management roles during his many years with Chubb Commercial Insurance.
Eric J. Martin, Executive Vice President and Chief Financial Officer
Eric Martin joined United Fire Group as Chief Financial Officer in April 2022, contributing nearly 30 years of experience to the company. Before his role at UFG, he spent over 20 years at Transamerica/AEGON Americas, most recently serving as Head of Enterprise Transformation from 2020. His tenure at Transamerica included positions such as Chief Operating Officer of Individual Solutions and Retail Affiliates, Senior Vice President, Controller and Head of Finance, and President of Transamerica Business Services.
Julie A. Stephenson, Executive Vice President and Chief Operating Officer
Julie Stephenson became Executive Vice President and Chief Operating Officer of UFG Insurance in 2023, bringing over 25 years of experience in the insurance industry. She previously served as Global Head of Casualty Reinsurance at Swiss Re. Her prior experience also includes roles as Chief Operating Officer-Middle Market and Commercial Chief Underwriting Officer at CNA Insurance, and Global Liability Manager for Chubb Insurance.
Sarah E. Madsen, Senior Vice President, Chief Legal Officer and Corporate Secretary
Sarah Madsen joined UFG Insurance in 2018 as Assistant General Counsel and was appointed Chief Legal Officer in 2022. She was also named Assistant Vice President in 2019, Vice President and Corporate Secretary in 2022, and Senior Vice President in 2024.
Steven D. Hernandez, Senior Vice President and Chief Human Resources Officer
Steven D. Hernandez serves as Senior Vice President and Chief Human Resources Officer at United Fire Group. Further detailed background information on his previous roles and career history was not readily available in the provided search results.
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The key risks to United Fire (symbol: UFCS) are:- Margin Pressure and Competition: United Fire Group faces ongoing pressure on its profit margins due to rising claims costs, influenced by factors like materials inflation and social inflation. Additionally, the company is experiencing increased competition from larger insurers targeting its small to mid-market commercial property and casualty customers. This competitive environment, coupled with increasing claims, threatens to challenge profitability despite recent operational improvements and pricing power.
- Catastrophe Losses: As an insurance provider, United Fire Group is inherently exposed to significant financial losses arising from natural catastrophes such as wildfires and severe convective storms. While the company has implemented strategies like enhanced modeling and higher deductibles to mitigate these impacts, catastrophic events can still lead to substantial claims and affect underwriting results.
- Regulatory and Compliance Risks (Rating Errors): United Fire Group has identified rating errors related to certain umbrella and general liability products, which resulted in overcharges to policyholders. This has led to the company recording an estimated liability for anticipated refunds and could result in further fines or penalties from state insurance regulators. Such issues highlight the ongoing risk of regulatory scrutiny and financial repercussions stemming from compliance failures.
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- The emergence and growth of Insurtech companies, which leverage advanced technology such as artificial intelligence, big data analytics, and digital platforms to offer more personalized, efficient, and often lower-cost insurance products. These agile, tech-first competitors are directly challenging traditional insurers like United Fire by disrupting established underwriting, distribution, and claims processes, appealing to a customer base that increasingly expects seamless digital experiences.
- The increasing frequency and severity of natural catastrophes, exacerbated by climate change. As a property and casualty insurer, United Fire faces a significant threat from events like hurricanes, wildfires, floods, and severe storms, which lead to higher claims costs, increased difficulty in securing affordable reinsurance, and potential erosion of underwriting profitability. This trend fundamentally challenges the long-term viability and pricing models for certain insurance lines and geographic regions.
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United Fire Group (UFCS) primarily operates within the United States property and casualty insurance market, offering a range of commercial and personal lines insurance products and services.
The addressable markets for United Fire Group's main products and services in the U.S. are as follows:
- U.S. Property and Casualty (P&C) Insurance Market: The market size for property and casualty insurance in the United States was estimated at approximately $1.05 trillion in 2024. Other estimates for the U.S. P&C market include $1.0 trillion in 2024 and 2025, and a projected value of $1.10 trillion in 2025, expected to reach $1.33 trillion by 2030.
- U.S. Commercial Lines Insurance Market: This segment of the U.S. insurance market reached an estimated $294.6 billion in 2024. It is projected to grow to $489.1 billion by 2033. Commercial lines account for about half of the U.S. property/casualty insurance industry premium.
- U.S. Personal Lines Insurance Market: The personal lines of business in the U.S., which include homeowners, farmowners, and private auto insurance, amounted to $534.92 billion in direct premiums written in 2024.
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Expected drivers of future revenue growth for United Fire (UFCS) over the next 2-3 years include:
- Disciplined Underwriting and Rate Increases: United Fire continues to achieve rate increases that exceed loss trends, contributing to overall profitability. The company's underlying loss ratio improved significantly in the first half of 2025, benefiting from strong earned rate achievement and favorable frequency trends. This strategy, coupled with a focus on specialist underwriting, is expected to support consistent profitable growth.
- Growth in Core Commercial Business and New Business Production: The company has demonstrated strong growth in net written premium, driven by record new business production and improved retention. Specifically, its core commercial business, which encompasses small business, middle market, and construction, grew 20% in the second quarter of 2025 and accelerated to 22% in the third quarter. This expansion across key business units, including specialty E&S businesses, is a significant contributor to revenue growth.
- Strategic Investments in Talent and Technology: United Fire's ongoing strategic actions include investments in talent and technology. These investments are crucial for sustained success and have contributed to improved underwriting and operational efficiency. A new system implementation is also expected to enhance efficiency and margins by 2025.
- Increased Net Investment Income: The company has seen sustainable improvement in net investment income, with a 20% increase from the prior year. This growth is attributed to continued investments at yields well above the portfolio average and the benefits of portfolio repositioning actions. The elevated interest rate environment is also providing opportunities to sustainably grow fixed maturity income.
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Share Repurchases
- United Fire Group's repurchase of common stock in 2020 amounted to approximately $2.741 million.
- In 2021, the company's repurchase of common stock was approximately $2.007 million.
- As of December 31, 2024, there were 1,719,326 shares of common stock remaining under an existing repurchase authorization.
Share Issuance
- United Fire Group reported approximately $828,000 from the issuance of common stock in 2022.
- In 2023, the company reported a net reduction of approximately $290,000 related to common stock activities, likely indicating net repurchases.
- For 2024, approximately $348,000 was generated from the issuance of common stock.
Capital Expenditures
- Capital expenditures were $19 million in 2020, $14 million in 2021, $2.14 million in 2022, $11 million in 2023, and $12 million in 2024.
- Capital expenditures in recent years have been focused on strategic investments in talent and technology to support sustained success and growth.
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Peer Comparisons for United Fire
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 106.47 |
| Mkt Cap | 8.3 |
| Rev LTM | 7,354 |
| Op Inc LTM | - |
| FCF LTM | 1,222 |
| FCF 3Y Avg | 1,043 |
| CFO LTM | 1,240 |
| CFO 3Y Avg | 1,057 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.1% |
| Rev Chg 3Y Avg | 10.1% |
| Rev Chg Q | 7.8% |
| QoQ Delta Rev Chg LTM | 1.9% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 20.0% |
| CFO/Rev 3Y Avg | 17.6% |
| FCF/Rev LTM | 19.6% |
| FCF/Rev 3Y Avg | 17.2% |
Price Behavior
Price Behavior
| Market Price | $35.42 | |
| Market Cap ($ Bil) | 0.9 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -5.1% | |
| 50 Days | 200 Days | |
| DMA Price | $36.19 | $30.63 |
| DMA Trend | up | up |
| Distance from DMA | -2.1% | 15.6% |
| 3M | 1YR | |
| Volatility | 36.0% | 31.1% |
| Downside Capture | -3.14 | 40.06 |
| Upside Capture | 77.04 | 64.55 |
| Correlation (SPY) | 9.3% | 33.2% |
UFCS Betas & Captures as of 12/31/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.37 | 0.45 | 0.38 | 0.73 | 0.55 | 0.68 |
| Up Beta | 0.90 | 0.06 | 0.18 | 1.23 | 0.50 | 0.67 |
| Down Beta | -1.27 | 0.08 | 0.42 | 0.40 | 0.65 | 0.56 |
| Up Capture | -21% | 157% | 88% | 97% | 51% | 44% |
| Bmk +ve Days | 11 | 23 | 37 | 72 | 143 | 431 |
| Stock +ve Days | 8 | 19 | 30 | 62 | 131 | 369 |
| Down Capture | -19% | -7% | -2% | 44% | 54% | 92% |
| Bmk -ve Days | 11 | 18 | 27 | 55 | 108 | 320 |
| Stock -ve Days | 13 | 21 | 33 | 64 | 119 | 378 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| UFCS vs. Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| UFCS | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 39.7% | 14.0% | 19.8% | 70.5% | 3.8% | 10.2% | -1.0% |
| Annualized Volatility | 31.0% | 19.0% | 19.3% | 20.0% | 15.3% | 16.7% | 34.5% |
| Sharpe Ratio | 1.09 | 0.56 | 0.81 | 2.56 | 0.04 | 0.41 | 0.07 |
| Correlation With Other Assets | 48.5% | 33.4% | 6.7% | 12.2% | 44.9% | 14.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, Bitcoin = BTCUSD
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Based On 5-Year Data
| UFCS vs. Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| UFCS | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 6.5% | 13.9% | 14.1% | 19.4% | 11.1% | 6.1% | 20.0% |
| Annualized Volatility | 39.8% | 18.8% | 17.1% | 15.6% | 18.7% | 18.8% | 48.1% |
| Sharpe Ratio | 0.27 | 0.61 | 0.66 | 1.00 | 0.47 | 0.23 | 0.45 |
| Correlation With Other Assets | 42.7% | 26.9% | -0.7% | 6.8% | 24.3% | 15.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, Bitcoin = BTCUSD
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Based On 10-Year Data
| UFCS vs. Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| UFCS | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 2.5% | 13.8% | 15.5% | 14.8% | 7.6% | 5.9% | 70.8% |
| Annualized Volatility | 38.6% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.7% |
| Sharpe Ratio | 0.19 | 0.57 | 0.75 | 0.83 | 0.35 | 0.25 | 0.91 |
| Correlation With Other Assets | 53.7% | 41.4% | -1.4% | 14.8% | 39.7% | 14.8% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, Bitcoin = BTCUSD
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Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/4/2025 | 14.7% | 18.5% | 13.5% |
| 8/5/2025 | 7.2% | 14.1% | 19.2% |
| 5/6/2025 | -4.6% | -1.5% | -1.6% |
| 2/11/2025 | 2.2% | 4.8% | 13.0% |
| 11/5/2024 | 24.1% | 27.2% | 59.1% |
| 8/6/2024 | -8.7% | -6.5% | -0.1% |
| 5/7/2024 | 0.9% | -2.8% | -8.6% |
| 2/13/2024 | 16.5% | 9.4% | 2.1% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 11 | 11 |
| # Negative | 16 | 13 | 13 |
| Median Positive | 10.9% | 9.4% | 9.6% |
| Median Negative | -5.9% | -7.2% | -7.0% |
| Max Positive | 24.1% | 27.2% | 59.1% |
| Max Negative | -21.7% | -17.8% | -30.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/05/2025 | 10-Q (09/30/2025) |
| 06/30/2025 | 08/06/2025 | 10-Q (06/30/2025) |
| 03/31/2025 | 05/07/2025 | 10-Q (03/31/2025) |
| 12/31/2024 | 02/26/2025 | 10-K (12/31/2024) |
| 09/30/2024 | 11/06/2024 | 10-Q (09/30/2024) |
| 06/30/2024 | 08/07/2024 | 10-Q (06/30/2024) |
| 03/31/2024 | 05/08/2024 | 10-Q (03/31/2024) |
| 12/31/2023 | 02/29/2024 | 10-K (12/31/2023) |
| 09/30/2023 | 11/02/2023 | 10-Q (09/30/2023) |
| 06/30/2023 | 08/08/2023 | 10-Q (06/30/2023) |
| 03/31/2023 | 05/09/2023 | 10-Q (03/31/2023) |
| 12/31/2022 | 02/28/2023 | 10-K (12/31/2022) |
| 09/30/2022 | 11/03/2022 | 10-Q (09/30/2022) |
| 06/30/2022 | 08/04/2022 | 10-Q (06/30/2022) |
| 03/31/2022 | 05/05/2022 | 10-Q (03/31/2022) |
| 12/31/2021 | 02/25/2022 | 10-K (12/31/2021) |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Besong, John Paul E | Direct | Sell | 9182025 | 32.26 | 2,450 | 79,026 | 790,049 | Form | |
| 2 | Martin, Eric J | Chief Financial Officer | Direct | Buy | 8152025 | 29.00 | 500 | 14,500 | 1,019,495 | Form |
| 3 | McIntyre, Dee Ann | McIntyre Foundation | Sell | 3062025 | 27.31 | 2,500 | 68,283 | 12,205,303 | Form | |
| 4 | McIntyre, Dee Ann | McIntyre Foundation | Sell | 3062025 | 28.09 | 2,500 | 70,214 | 12,480,113 | Form | |
| 5 | McIntyre, Dee Ann | McIntyre Foundation | Sell | 3062025 | 28.33 | 2,500 | 70,836 | 12,519,923 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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