United Fire Group, Inc.
UFCSFinancial Services · Stock · quarterly payer
Forward Yield
1.43%
Annual Dividend
$0.80
Payout Ratio
13%
5-Yr Growth
-10.9%
Ex-Date
Sep 4, 2026
Frequency
Quarterly
Summary
As of September 2026, United Fire Group, Inc. (UFCS) yields 1.43% ($0.80 per share annually), with a blended fair-value estimate of $101.46 — +81% upside, so it screens as undervalued. Dividend safety grade: B (73/100).
Is UFCS a good dividend stock?
Yes, with caveatsUnited Fire Group, Inc. (UFCS) pays a quarterly dividend yielding 1.43% ($0.80/yr), with 0 years of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (13%)
- 142% total price return over 5 years
Risks
- Cut its dividend in 2021
- Dividend has been shrinking, not growing
Key Data
- Dividend Yield
- 1.43%
- Payout Ratio
- 13%
- Annual Dividend
- $0.80
- 5-Yr Avg Growth
- -10.9%
- Ex-Dividend Date
- Sep 4, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.51
- Market Cap
- $1.4B
- P/E Ratio
- 10.4
- 5-Yr Total Return
- 142%
- 52-Week Range
- $29.74 – $56.74
- Dividend Safety
- B · 73/100
- Ever Cut?
- Yes (2021)
Frequently Asked Questions
UFCS Price — Last 12 Months
Daily close
Price Return
1 Year
+84%
3 Years
+183%
5 Years
+142%
52-Week Range
$29.74 – $56.74
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UFCS worth?
Undervaluedlow confidenceOur blended fair-value estimate for United Fire Group, Inc. is $101.46 per share, versus a market price of $55.98. That implies 81% of upside — a margin of safety of about 45%.
Fair Value
$101.46
Current Price
$55.98
Upside
+81%
Margin of Safety
45%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $5.39 EPS, $0.80 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UFCS Dividend Safety Score
Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 4, 2026 | — | $0.2000 | regular |
| Jun 5, 2026 | — | $0.2000 | regular |
| Dec 5, 2025 | — | $0.1600 | regular |
| Aug 29, 2025 | — | $0.1600 | regular |
| Jun 6, 2025 | — | $0.1600 | regular |
| Mar 7, 2025 | — | $0.1600 | regular |
| Nov 29, 2024 | — | $0.1600 | regular |
| Aug 30, 2024 | — | $0.1600 | regular |
| May 31, 2024 | — | $0.1600 | regular |
| Mar 7, 2024 | — | $0.1600 | regular |
| Nov 30, 2023 | — | $0.1600 | regular |
| Aug 31, 2023 | — | $0.1600 | regular |
| Jun 1, 2023 | — | $0.1600 | regular |
| Mar 9, 2023 | — | $0.1600 | regular |
Income Calculator
At $0.80 / yr per share
