UFCS 8-K SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

UFCS ▲ +0.40% at T+20d

LONG call ✓ call won +0.40% · α vs SPY -2.39% · entry $43.01 → $43.18

Next anchor: T+60d in 7w

Last close $45.24 (close Jun 8) · +5.18% from $43.01 entry

Entry anchored
May 5, 2026
via day open

T+1d

+8.81%

call +8.81% · α +9.14%

$46.80

settled 5w ago

T+5d

+12.60%

call +12.60% · α +11.47%

$48.43

settled 29d ago

T+20d

+0.40%

call +0.40% · α -2.39%

$43.18

settled 7d ago

T+60d

—

call — · α —

—

in 7w

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Executive Summary

United Fire Group (UFCS) reported Q1 2026 adjusted operating EPS of $1.16, significantly beating consensus of $0.87 (33% beat). Net income surged 70% YoY to $30.1M, driven by 11% earned premium growth, a 3.8-point combined ratio improvement to 95.6%, and 15% higher investment income. The strong quarter continues the positive momentum from 2025.

Actionable Insight

The strong beat and improved fundamentals should drive positive price action. Monitor the earnings call for commentary on premium retention, catastrophe loss trends, and any forward guidance on 2026 outlook.

Key Facts

Adjusted operating EPS of $1.16 vs consensus $0.87 (beat by 33%)
Net income increased 70% YoY to $30.1 million
Combined ratio improved 3.8 points to 95.6%
Net written premium grew 12.4% to $376.9 million
Net investment income up 15% to $27.0 million
Book value per share rose to $37.06 (up 0.5% from year-end)

Financial Impact

Q1 2026 EPS beat of $0.29 vs $0.87 consensus represents a ~33% positive surprise; revenue growth of 11.6% YoY and improved underwriting profitability

net incomeepscombined rationet written premiuminvestment income

Risk Factors

Above-average catastrophe losses in future quarters could pressure combined ratio
Potential reserve development on prior year claims
Competitive pricing environment may slow premium growth

Market Snapshot

Exchange

Nasdaq

Sector

Fire, Marine & Casualty Insurance

Analyst Consensus

75% bullish (8 analysts)

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0000101199-26-000029
Document: ufcs-20260505.htm	0000101199-26-000029
Document: 0000101199-26-000029-index-headers.html	0000101199-26-000029
Document: 0000101199-26-000029-index.html	0000101199-26-000029
Document: 0000101199-26-000029.txt	0000101199-26-000029
8-K Data (Synthetic)	0000101199-26-000029

6 reports for UFCS

T+1T+5T+20T+60

Filters

Reports for UFCS — sortable, filterable
	Type				Now
May 26, 2026 14d ago	8-K NEUTRAL ★ 2/10	$47.21 $43.70	▼ −7.43%	▼ −8.52%	$45.24 (−4.17%)
May 20, 2026 20d ago	8-K NEUTRAL ★ 3/10	$48.13 $44.78	▼ −6.96%	▼ −8.56%	$45.24 (−6.00%)
May 5, 2026 5w ago	8-K BULLISH ★ 6/10	$43.01 $48.43	▲ +12.60%	▲ +11.47%	$45.24 (+5.18%)
Apr 21, 2026 7w ago	8-K NEUTRAL ★ 2/10	$39.46 $41.54	▲ +5.27%	▲ +4.19%	$45.24 (+14.65%)
Apr 21, 2026 7w ago	Press Release NEUTRAL ★ 3/10	$39.46 $41.54	▲ +5.27%	▲ +4.19%	$45.24 (+14.65%)
Apr 7, 2026 9w ago	DEFA14A NEUTRAL ★ 2/10	$38.94 $39.22	▲ +0.72%	▼ −2.80%	$45.24 (+16.18%)

US Market Status

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