What is the 13F Pro Quality Score for UFCS?

13F Pro ranks UNITED FIRE GROUP INC (UFCS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UFCS's current score at https://13fpro.ai/research/UFCS (free sign-up required for the full ranking).

Where does 13F Pro source UFCS data?

All UNITED FIRE GROUP INC fundamentals and ownership data come directly from SEC EDGAR. UNITED FIRE GROUP INC files with the SEC under CIK 101199. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UFCS in?

UNITED FIRE GROUP INC (UFCS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UFCS research updated on 13F Pro?

UFCS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITED FIRE GROUP INC(UFCS)Stock Analysis

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13F Pro Quality Score

64.7/100

Rank #620 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

70.0/100

Profitability

73.0/100

Balance Sheet

57.1/100

Earnings Quality

30.0/100

Free Cash Flow

72.3/100

Institutional Flow

68.1/100

Revenue Scale

55.8/100

Dilution Risk

68.6/100

UFCS Stock Analysis & AI Quality Score

AI stock analysis and institutional research for UNITED FIRE GROUP INC (UFCS), a Financials sector company. 13F Pro's AI-powered ranking engine scores UFCS at 64.7/100 on a 32-signal composite quality model, placing it at rank #620 of 2,879 stocks — the top 25% of the AI-ranked universe. Areas of concern include earnings quality (30.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), UNITED FIRE GROUP INC reports quarterly revenue of $369.4M, net income of $30.1M, an operating margin of 10.3%. Top institutional holders of UFCS by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. UFCS trades on the Nasdaq exchange and files with the SEC under CIK 101199. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UFCS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITED FIRE GROUP INC directly from SEC EDGAR. UNITED FIRE GROUP INC's 13F Pro composite quality score has ranged between 8 and 70 since 2021, currently 64.7 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about UNITED FIRE GROUP INC

Quirks, history, and lore behind UFCS — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. property and casualty insurance company · small-cap · listed on Nasdaq · headquartered in the Midwest.
2
The Numbers
Annual revenues in the range of roughly $1 billion, writing commercial and personal lines across multiple states — a regional player punching quietly in a crowded ring.
3
The History
Founded in the mid-20th century in Iowa, it grew steadily through disciplined underwriting rather than splashy acquisitions — the tortoise of the insurance world.
4
The Secret
It also operates a life insurance segment alongside its core P&C business, making it a low-key multi-line insurer that most investors walk right past.
5
The Lore
Headquartered in Cedar Rapids, Iowa, it has been a quiet fixture of the local economy for decades — the kind of company whose name is on a building downtown but not on a Super Bowl ad.
6
The Giveaway
Its ticker, UFCS, is basically its whole personality in four letters — the United Fire Group, insuring the heartland one quiet policy at a time.

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Revenue

Q1 2026

$369.4M

Net Income

Q1 2026

$30.1M

Free Cash Flow

Q1 2026

$56.6M

Operating Margin

Q1 2026

10.3%

D/E Ratio

Q1 2026

0.15

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+10.6% YoY

$1.39BFY 2025

FY22 $980.3MFY23 $1.10BFY24 $1.25BFY25 $1.39B

Net Income

+90.8% YoY

$118.2MFY 2025

FY22 $15.0MFY23 $-29.7MFY24 $62.0MFY25 $118.2M

EPS (Diluted)

+87.4% YoY

$4.48FY 2025

FY22 $0.59FY23 $-1.18FY24 $2.39FY25 $4.48

Total Assets

+10.1% YoY

$3.84BFY 2025

FY22 $2.88BFY23 $3.14BFY24 $3.49BFY25 $3.84B

Total Debt

$146.2MFY 2025

FY22 —FY23 —FY24 —FY25 $146.2M

Op. Cash Flow

-20.7% YoY

$269.7MFY 2025

FY22 $-1.3MFY23 $171.7MFY24 $340.3MFY25 $269.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$1.39B +10.6%	$1.25B +14.4%	$1.10B +11.7%	$980.3M -8.1%	$1.07B -11.2%	$1.20B
Net Income	$118.2M +90.8%	$62.0M +308.7%	$-29.7M -297.5%	$15.0M -81.3%	$80.6M +443.8%	$14.8M
EPS (Diluted)	$4.48 +87.4%	$2.39 +302.5%	$-1.18 -300.0%	$0.59	—	$0.58
Total Assets	$3.84B +10.1%	$3.49B +10.9%	$3.14B +9.1%	$2.88B -4.3%	$3.01B -0.0%	$3.01B
Total Debt	$146.2M	—	—	—	—	—
Operating Cash Flow	$269.7M -20.7%	$340.3M +98.2%	$171.7M +13827.9%	$-1.3M -104.2%	$29.9M -68.1%	$93.8M

AI Insight: UFCS Ratio Trends

UFCS staged a strong profitability recovery from a loss-making Q2 2024, with ROIC peaking at 21.7% in Q3 2025 before a modest seasonal pullback in Q1 2026.

• Operating margin recovered sharply from -1.2% in Q2 2024 to a peak of 13.8% in Q3 2025, signaling sustained underwriting improvement.

• ROIC expanded from -2.1% in Q2 2024 to 21.7% in Q3 2025, reflecting meaningful capital efficiency gains over five quarters.

• Q1 2026 operating margin of 10.3% and ROIC of 13.9% declined from Q4 2025 levels of 13.2% and 20.5%, consistent with seasonal patterns.

• D/E stands at a conservative 0.15 in Q1 2026, indicating a very lightly leveraged balance sheet.

⚠ Q1 2026 ROIC dropped to 13.9% from 20.5% in Q4 2025 — monitor whether this reflects seasonality or an emerging margin headwind.

⚠ ROA dipped to 3.1% in Q1 2026 from 4.0% in Q4 2025; confirm asset productivity holds above the 2.0% trough seen in Q1 2025.

⚠ D/E data is only available for TTM and Q1 2026 — broader leverage trend history remains incomplete.

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Available Research

13F Pro tracks comprehensive data for UNITED FIRE GROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UFCS

BlackRock, Inc.
$127.8M3,448,065 sh
DIMENSIONAL FUND ADVISORS LP
$55.2M1,489,968 sh
VANGUARD CAPITAL MANAGEMENT LLC
$35.8M966,301 sh
STATE STREET CORP
$30.3M817,498 sh
GEODE CAPITAL MANAGEMENT, LLC
$24.5M662,300 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$22.7M612,396 sh
AMERICAN CENTURY COMPANIES INC
$21.0M567,083 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$19.7M532,702 sh
BANK OF AMERICA CORP /DE/
$18.4M497,418 sh
AQR CAPITAL MANAGEMENT LLC
$15.6M422,054 sh

Fund	Value	Shares
BlackRock, Inc.	$127.8M	3,448,065
DIMENSIONAL FUND ADVISORS LP	$55.2M	1,489,968
VANGUARD CAPITAL MANAGEMENT LLC	$35.8M	966,301
STATE STREET CORP	$30.3M	817,498
GEODE CAPITAL MANAGEMENT, LLC	$24.5M	662,300
SYSTEMATIC FINANCIAL MANAGEMENT LP	$22.7M	612,396
AMERICAN CENTURY COMPANIES INC	$21.0M	567,083
VANGUARD PORTFOLIO MANAGEMENT LLC	$19.7M	532,702
BANK OF AMERICA CORP /DE/	$18.4M	497,418
AQR CAPITAL MANAGEMENT LLC	$15.6M	422,054

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Is UFCS a good stock to buy?

13F Pro's AI-powered analysis of UNITED FIRE GROUP INC (UFCS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UFCS are available on the UFCS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UFCS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UFCS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITED FIRE GROUP INC's investment landscape.