Every material Form 8-K United Fire Group has filed with the SEC since June 06, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
United Fire Group reported third-quarter 2026 results on November 3, 2026. Net income fell 10% to $35.1 million, or $1.34 per diluted share, as the combined ratio rose 2.7 points to 94.6%, even though net written premium grew 13% to $371.4 million. For the nine months ended September 30, 2026, the company reported record net income of $98.5 million and record earnings per share of $3.78 diluted.
Third-quarter net income was $35.1 million ($1.34 per diluted share), down from $39.2 million ($1.49 per diluted share) a year earlier.
Net written premium rose 13% to $371.4 million, led by growth in the core commercial business.
Combined ratio increased to 94.6% from 91.9%, with the underlying loss ratio at 57.3% and the catastrophe loss ratio at 2.4%.
Management will discuss the results on an earnings call at 9:00 a.m. CT on November 4, 2026.
United Fire Group announced it will release its third quarter 2026 earnings after the market closes on Tuesday, November 3, 2026, with a conference call on Wednesday, November 4, 2026 at 9 a.m. CT. The filing is a scheduling notice only and does not include any financial results.
Third quarter 2026 earnings release: after market close, Tuesday, November 3, 2026
Earnings conference call: Wednesday, November 4, 2026 at 9 a.m. CT
Call replay available through November 11, 2026; webcast archived for one year
United Fire Group's board declared a $0.20 per share quarterly cash dividend, payable September 18, 2026 to shareholders of record as of September 4, 2026. The board also appointed Teresa "Terri" Brown as an independent Class C director, effective August 21, 2026, bringing the board to 12 members.
Quarterly cash dividend of $0.20 per share, payable September 18, 2026 to holders of record as of September 4, 2026
Teresa "Terri" Brown appointed Class C director effective August 21, 2026, serving on the Risk Management and Audit Committees
Brown was executive vice president and chief financial officer at Grange Insurance from 2016 until her retirement in 2024
Board will consist of 12 members after the appointment
United Fire Group reported second quarter 2026 results on August 3, 2026, with net income up 45% from a year earlier to $33.4 million ($1.29 per diluted share) and adjusted operating income up 42% to $33.7 million ($1.30 per diluted share). The combined ratio improved 1.1 points to 95.3%, mainly due to lower catastrophe losses, and net written premium rose 9% to $406.4 million, so shareholders saw higher quarterly profit on stronger premium growth and investment income. The filing does not include new guidance.
Net income was $33.4 million ($1.29 per diluted share) versus $22.9 million ($0.87) in the second quarter of 2025.
Combined ratio improved to 95.3% from 96.4%; catastrophe loss ratio fell to 2.7% from 5.5%.
Net written premium rose 9% to $406.4 million; net investment income rose 33% to $28.9 million.
Book value per share was $38.02 at June 30, 2026, up $1.14 from December 31, 2025; a $0.20 per share dividend was paid in the quarter.
At its May 20, 2026 annual meeting, United Fire Group shareholders approved amendments to the Non-Employee Director Stock Plan. The changes increase the shares available for future awards and extend the plan's expiration date, which affects how equity may be granted to non-employee directors.
Shares available for future awards under the plan increased from 450,000 to 865,114.
Plan expiration date extended from December 31, 2029 to December 31, 2034.
Shareholders approved the amendments at the annual meeting held May 20, 2026, after board approval subject to shareholder vote.
United Fire Group reported first quarter 2026 net income of $30.1 million, or $1.15 per diluted share, up from $17.7 million, or $0.67, a year earlier. Net written premium rose 12.4% to $376.9 million and the combined ratio improved 3.8 points to 95.6%, so underwriting and profit both improved for shareholders.
Net income was $30.1 million ($1.15 per diluted share) versus $17.7 million ($0.67) in Q1 2025; adjusted operating income was $30.3 million ($1.16 per diluted share).
Combined ratio improved to 95.6% from 99.4%, with catastrophe losses at 3.7% of premium versus 5.0% a year earlier.
Net written premium grew 12.4% to $376.9 million; book value per share rose $0.18 to $37.06 from December 31, 2025.
The company paid a $0.20 per share cash dividend during the quarter; an earnings call is set for 9:00 a.m. CT on May 6, 2026.
United Fire Group reported fourth quarter 2025 net income of $38.4 million, up from $31.4 million a year earlier, and full year 2025 net income of $118.2 million, up from $62.0 million in 2024. The board also raised the quarterly cash dividend 25% to $0.20 per share from $0.16, payable March 10, 2026 to holders of record on February 24, 2026.
Q4 2025 net income $38.4 million, or $1.45 per diluted share, versus $31.4 million, or $1.21, in Q4 2024
Q4 2025 combined ratio improved to 92.3% from 94.4%; net written premium rose 11% to $309.7 million
Full year 2025 net income $118.2 million, or $4.48 per diluted share, versus $2.39 in 2024
Quarterly dividend raised to $0.20 per share; payable March 10, 2026 to holders of record as of February 24, 2026
United Fire Group reported third quarter 2025 results for the period ended September 30, 2025, with net income of $39.2 million, or $1.49 per diluted share, up $19.4 million from the prior year. The combined ratio improved 6.3 points to 91.9%, and net written premium grew 7% to $328.2 million, which points to better underwriting profitability for shareholders.
Net income was $39.2 million, or $1.49 per diluted share, versus $19.7 million, or $0.76, in the third quarter of 2024.
Adjusted operating income was $39.5 million, or $1.50 per diluted share, versus $0.81 a year earlier.
Combined ratio improved to 91.9% from 98.2%, with a catastrophe loss ratio of 1.3% versus 4.4%.
Book value per share was $35.22 as of September 30, 2025; the company declared and paid a $0.16 per share dividend and will hold an earnings call on November 5, 2025 at 9:00 a.m. CT.
United Fire Group's board approved a standard Change in Control Severance Agreement with SVP and Chief Human Resources Officer Steven D. Hernandez, one of its named executive officers, effective August 28, 2025. The agreement sets severance and benefit terms that apply if a change in control is followed by termination without cause, which matters to shareholders as a compensation arrangement tied to a possible future ownership change.
Board approved the agreement at a meeting held August 15, 2025; effective August 28, 2025
Severance equal to 1.5 times highest annual base salary plus target annual incentive compensation, triggered by change in control and termination without cause
Insurance benefits continue for 18 months; long-term incentive awards fully vest with performance measures deemed met at target; 18-month non-compete
United Fire Group's board appointed Gilda L. Spencer as an independent Class A director, effective August 15, 2025, and she will serve on the risk management and compensation and human capital committees. The filing says her legal and insurance industry background is intended to support board oversight of regulatory, governance, and risk management matters, and the board will have 12 members.
Gilda L. Spencer appointed Class A director effective August 15, 2025
Spencer joins the risk management and compensation and human capital committees
Spencer previously was senior vice president and deputy general counsel of dispute resolution services at Allstate from 2012 to 2021
Spencer will stand for shareholder election at the annual meeting on May 20, 2026
United Fire Group reported second quarter 2025 net income of $22.9 million, or $0.87 per diluted share, compared with a net loss of $2.7 million, or $0.11 per share, in the second quarter of 2024. The combined ratio improved to 96.4% from 105.6%, and net written premium rose 14% to $372.9 million, which points to better underwriting results for shareholders.
Net income was $22.9 million ($0.87 per diluted share) versus a net loss of $2.7 million ($0.11 per share) a year earlier.
Adjusted operating income was $23.7 million ($0.90 per diluted share), a non-GAAP measure, versus a loss of $1.8 million a year earlier.
Combined ratio improved 9.2 points to 96.4%, with catastrophe losses at 5.5% of earned premium versus 11.2% a year earlier.
Net written premium grew 14% to $372.9 million; book value per share rose to $33.18 as of June 30, 2025, from $30.80 at December 31, 2024.
United Fire Group sold $30 million of senior unsecured Series B notes due May 31, 2039, to Aspida Life Insurance Company, an Ares affiliate, under its 2024 Master Note Purchase Agreement. The filing says the terms match the $70 million Series A Notes issued in 2024, and the company will contribute the proceeds to its insurance subsidiaries to fund anticipated growth and for general corporate purposes. The filing does not discuss effects on earnings or per-share results.
Series B notes total $30 million, carry a 9.0% rate and mature May 31, 2039, per the press release
Sole investor is Aspida Life Insurance Company, an affiliate of Ares Management, LLC
Terms are identical to the $70 million Series A Notes issued under the May 31, 2024 agreement
Proceeds will go to the insurance subsidiaries for growth and general corporate purposes
United Fire Group reported first quarter 2025 results, with net income up 31% to $17.7 million ($0.67 per diluted share) and net written premium up 4% to a record $335.4 million. The combined ratio rose 0.5 points to 99.4%, mainly due to a higher underwriting expense ratio, while the underlying loss ratio improved.
Net income rose 31% to $17.7 million ($0.67 per diluted share) from $13.5 million in the first quarter of 2024.
Adjusted operating income rose 27% to $18.3 million ($0.70 per diluted share).
The combined ratio rose 0.5 points to 99.4%; the underwriting expense ratio rose 3.0 points to 37.9%, mainly from non-recurring costs tied to a new policy administration system.
Book value per share was $32.13 as of March 31, 2025, up from $30.80 at December 31, 2024.
United Fire Group reported fourth quarter 2024 net income of $31.4 million, or $1.21 per diluted share, up from $19.6 million a year earlier, and full year net income of $62.0 million, compared with a net loss of $29.7 million in 2023. The combined ratio improved to 94.4% in the quarter from 99.2%, and the company said it expects its fixed maturity portfolio to generate over $80 million of annualized fixed maturity income. The filing furnishes the earnings release and gives no formal earnings guidance.
Q4 2024 net income was $31.4 million ($1.21 per diluted share) versus $19.6 million ($0.77 per diluted share) in Q4 2023; adjusted operating income was $1.25 per diluted share versus $0.65.
Full year 2024 net income was $62.0 million ($2.39 per diluted share), compared with a net loss of $29.7 million in 2023.
Q4 2024 net written premiums rose 13% to $278.5 million; the combined ratio improved to 94.4% from 99.2%, and the company estimated wildfire losses of $7 million to $10 million.
United Fire Group reported third quarter 2024 net income of $19.7 million, or $0.76 per diluted share, up from $6.4 million, or $0.25 per diluted share, a year earlier. Net premiums written rose 23% to $305.6 million and the GAAP combined ratio improved 3.8 points to 98.2%, which points to stronger underwriting and investment income for shareholders.
Net income was $19.7 million ($0.76 per diluted share) versus $6.4 million ($0.25) in Q3 2023
Adjusted operating income was $0.81 per diluted share versus $0.31 a year earlier
Net premiums written grew 23% to $305.6 million, led by commercial and assumed reinsurance lines
Net investment income rose 49% to $24.5 million; GAAP combined ratio improved to 98.2% from 102.0%
United Fire Group reported a second-quarter 2024 net loss of $2.7 million, or $0.11 per diluted share, compared with a net loss of $56.4 million, or $2.23 per share, a year earlier. Net premiums written rose 9.0% to $326.1 million, and the company recorded a $3.2 million pre-tax charge for rating errors in its core commercial business, with possible further fines or refunds not yet estimable.
Q2 2024 net loss of $2.7 million ($0.11 per diluted share) vs. $56.4 million ($2.23 per share) in Q2 2023
Net premiums written increased 9.0% to $326.1 million; total revenues were $301.2 million vs. $267.1 million
GAAP combined ratio improved to 105.6% from 133.0%; underlying combined ratio improved to 94.4% from 99.2%
$3.2 million pre-tax charge tied to umbrella and general liability rating errors; book value per share was $28.68 at June 30, 2024
United Fire Group completed a $70 million private placement of senior unsecured notes on May 31, 2024, with Ares Management, LLC as lead investor. The notes carry a 9% annual interest rate, pay interest quarterly starting August 31, 2024, and mature on May 31, 2039, adding a long-term fixed debt obligation for shareholders to consider. The company said the proceeds will go to its insurance subsidiaries to fund anticipated growth and for general corporate purposes.
$70 million aggregate principal of senior unsecured notes at 9% annual interest, due May 31, 2039
Interest payable quarterly in arrears, beginning August 31, 2024
Company may not redeem the notes before May 31, 2034, except upon a change in control or acceleration after an event of default
Proceeds to be contributed to insurance subsidiaries for anticipated growth and general corporate purposes
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