United Fire Group (UFCS) came out with quarterly earnings of $1.5 per share, beating the Zacks Consensus Estimate of $0.69 per share. This compares to earnings of $0.81 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +117.39%. A quarter ago, it was expected that this property and casualty insurance company would post earnings of $0.57 per share when it actually produced earnings of $0.9, delivering a surprise of +57.89%.Over t ...

Exhibit 99.1 United Fire Group, Inc. reports third quarter 2025 results Third quarter net income of $1.49 per diluted share and adjusted operating income of $1.50 per diluted share Third quarter 2025 highlights compared to third quarter 2024, unless otherwise noted: (1) 2 Consolidated financial highlights: | Consolidated financial highlights | | | | (1) | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | (Unaudited) | | | Three months ended September 30, | | | | Nine months ended September 3 ...

Third quarter net income of $1.49 per diluted share and adjusted operating income of $1.50 per diluted share Third quarter 2025 highlights compared to third quarter 2024, unless otherwise noted:(1) Net income increased $19.4 million to $39.2 million.Net investment income increased 6.3% to $26.0 million.Combined ratio improved 6.3 points to 91.9%; composed of an underlying loss ratio of 56.0%, catastrophe loss ratio of 1.3%, no prior year reserve development, and underwriting expense ratio of 34.6%.Underlyin ...

Core Points - United Fire Group, Inc. (UFG) will release its third quarter 2025 earnings results after market close on November 4, 2025 [1] - An earnings call is scheduled for November 5, 2025, at 9 a.m. CT for analysts, shareholders, and interested parties to discuss the results [1] Teleconference Details - Dial-in information for the earnings call includes a toll-free number 1-844-492-3723 (international 1-412-542-4184) [2] - The event will be archived and available for digital replay until November 12, 2025, with replay access at toll-free 1-855-669-9658 (international 1-412-317-0088) [2] Webcast Information - A webcast of the teleconference can be accessed at the provided URLs, and the archived audio will be available for one year [3] - A transcript of the teleconference will be available on the company's website shortly after the event [3] Company Overview - United Fire Group, founded in 1946, operates in property and casualty insurance and is licensed in all 50 states and the District of Columbia [4] - The company is represented by approximately 1,000 independent agencies and has an "A-" (Excellent) rating from A.M. Best Company [4]

Core Insights - Commercial insurers are experiencing a prolonged period of strong pricing power, known as a "hard market," which has generally benefited the industry [1] - This pricing power is increasingly being challenged by rising claims costs driven by materials inflation and social factors [1] Industry Overview - The current hard market has provided commercial insurers with favorable conditions, allowing them to maintain higher premiums [1] - However, the sustainability of this pricing power is under pressure due to escalating costs associated with claims [1]

Core Viewpoint - Investors are increasingly seeking growth stocks that demonstrate above-average growth potential, particularly in the financial sector, but identifying such stocks can be challenging due to their inherent risks and volatility [1] Company Overview: United Fire Group (UFCS) - United Fire Group is highlighted as a recommended growth stock based on its favorable Growth Score and top Zacks Rank [2] - The company has a historical EPS growth rate of 19.5%, with projected EPS growth of 18.4% this year, significantly outperforming the industry average of 11.6% [4] Key Growth Metrics - **Earnings Growth**: The focus on earnings growth is critical, with double-digit growth being a strong indicator of future stock price gains [3] - **Asset Utilization Ratio**: United Fire's asset utilization ratio is 0.37, indicating it generates $0.37 in sales for every dollar in assets, surpassing the industry average of 0.34 [5] - **Sales Growth**: The company's sales are projected to grow by 9.4% this year, compared to the industry average of 4.8% [6] Earnings Estimate Revisions - There has been a positive trend in earnings estimate revisions for United Fire, with the current-year earnings estimates increasing by 10.6% over the past month, which correlates with potential stock price movements [7] Conclusion - United Fire has achieved a Zacks Rank 1 and a Growth Score of B, positioning it well for potential outperformance in the growth stock category [9]

Core Viewpoint - United Fire Group (UFCS) has shown strong stock performance, with a 3.2% increase over the past month and an 11.3% gain since the start of the year, outperforming the Zacks Finance sector and the Zacks Insurance - Property and Casualty industry [1] Financial Performance - United Fire has consistently beaten earnings estimates, reporting EPS of $0.9 against a consensus estimate of $0.57 in its last earnings report [2] - For the current fiscal year, United Fire is projected to achieve earnings of $3.03 per share on revenues of $1.37 billion, reflecting an 18.36% increase in EPS and a 9.45% increase in revenues [3] - The next fiscal year is expected to see earnings of $3.1 per share on revenues of $1.51 billion, indicating a year-over-year change of 2.31% in EPS and 10.12% in revenues [3] Valuation Metrics - United Fire's stock trades at 10.5X current fiscal year EPS estimates, below the peer industry average of 11.6X, and at 10.4X trailing cash flow compared to the peer group's average of 12.2X, positioning it favorably for value investors [7] - The company has a Value Score of A, with Growth and Momentum Scores of B and C respectively, resulting in a combined VGM Score of A [6] Zacks Rank - United Fire holds a Zacks Rank of 1 (Strong Buy), supported by a solid earnings estimate revision trend, making it a suitable choice for investors looking for strong performance [8] Industry Comparison - The Insurance - Property and Casualty industry is performing well, ranking in the top 13% of all industries, providing favorable conditions for both United Fire and its peer, Donegal Group, Inc. (DGICA) [11] - Donegal Group has also shown strong performance, beating consensus estimates by 19.44% and is expected to post earnings of $2.10 per share on revenues of $982.2 million for the current fiscal year [10]

Core Viewpoint - Growth stocks are appealing due to their potential for above-average financial growth, but identifying strong candidates can be challenging due to inherent risks and volatility [1] Group 1: Company Overview - United Fire Group (UFCS) is currently highlighted as a promising growth stock, supported by a favorable Growth Score and a top Zacks Rank [2] - The company has a historical EPS growth rate of 19.5%, with projected EPS growth of 18.4% this year, significantly outperforming the industry average of 11.6% [4] Group 2: Financial Metrics - United Fire's asset utilization ratio (sales-to-total-assets ratio) stands at 0.37, indicating greater efficiency compared to the industry average of 0.34 [5] - The company's sales are expected to grow by 9.4% this year, again surpassing the industry average of 4.8% [6] Group 3: Earnings Estimates - The Zacks Consensus Estimate for United Fire's current-year earnings has increased by 21.2% over the past month, reflecting a positive trend in earnings estimate revisions [8] - This upward revision trend contributes to United Fire's Zacks Rank of 1 (Strong Buy) and a Growth Score of B, suggesting it is a solid choice for growth investors [10]

Company Performance - United Fire Group (UFCS) shares have increased by 18.1% over the past month, reaching a new 52-week high of $32.13 [1] - Year-to-date, the stock has gained 11.6%, outperforming the Zacks Finance sector's 13% gain and the Zacks Insurance - Property and Casualty industry's 7.5% return [1] Earnings and Revenue Expectations - United Fire has consistently exceeded earnings estimates, reporting EPS of $0.9 against a consensus estimate of $0.57 in its last earnings report on August 5, 2025 [2] - For the current fiscal year, the company is expected to post earnings of $2.74 per share on revenues of $1.37 billion, reflecting a 7.03% change in EPS and a 9.45% change in revenues [3] - For the next fiscal year, earnings are projected to be $2.85 per share on revenues of $1.51 billion, indicating a year-over-year change of 4.01% in EPS and 10.12% in revenues [3] Valuation Metrics - United Fire has a Value Score of A, a Growth Score of A, and a Momentum Score of C, resulting in a combined VGM Score of A [6] - The stock trades at 11.6X current fiscal year EPS estimates, below the peer industry average of 12.9X, and at 10.4X trailing cash flow compared to the peer group's average of 12.2X, positioning it favorably for value investors [7] Zacks Rank - United Fire holds a Zacks Rank of 1 (Strong Buy) due to rising earnings estimates, making it a strong candidate for investors [8] Industry Comparison - The Insurance - Property and Casualty industry is performing well, ranking in the top 13% of all industries, providing favorable conditions for both United Fire and its peer, CNA Financial Corporation [11]

Core Viewpoint - United Fire Group, Inc. (UFG) has appointed Gilda L. Spencer as a new independent member of its board of directors, effective August 15, 2025, to enhance its governance and risk management capabilities [1][3]. Group 1: Appointment Details - Gilda L. Spencer has been appointed as a Class A director and will serve on the risk management and compensation and human capital committees [1]. - With Spencer's appointment, the UFG board of directors will consist of 12 members [4]. Group 2: Background of Gilda L. Spencer - Spencer has a distinguished career as an attorney and insurance executive, currently serving as an adjunct professor at Loyola University Chicago School of Law [2]. - Between 2012 and 2021, she was senior vice president and deputy general counsel of dispute resolution services for Allstate, managing a team of 60 associates [2]. - Prior to Allstate, Spencer served as vice president and chief litigation counsel for Nationwide Mutual Insurance Company and was an assistant United States attorney for the Southern District of Ohio [2]. Group 3: Company Overview - United Fire Group, founded in 1946, is engaged in writing property and casualty insurance and is licensed in 50 states and the District of Columbia [5]. - The company is represented by approximately 1,000 independent agencies and has an AM Best rating of "A-" (Excellent) [5].