United Fire GroupUFCS -0.40%60 PB Ratio is 1.42 as of Jun. 30, 2026, which is 45% above its 10-year median of 0.98. GuruFocus rates UFCS with a GF Score™ of 60/100 and a GF Value™ of $31.58 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 502 Insurance companies, United Fire Group ranks worse than 51.59% on this metric.
United Fire Group Inc stock PB Ratio (=1.42) is close to 10-year high of 1.57.
The historical rank and industry rank for United Fire Group's PB Ratio or its related term are showing as below:
UFCS'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 0.98 Max: 1.57
Current: 1.42
During the past 13 years, United Fire Group's highest PB Ratio was 1.57. The lowest was 0.57. And the median was 0.98.
UFCS's PB Ratio is ranked worse than 51.59% of 502
companies
in the Insurance industry
Industry Median: 1.38
vs UFCS: 1.42
During the past 12 months, United Fire Group's average Book Value Per Share Growth Rate was 10.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -1.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Fire Group was 20.00% per year. The lowest was -6.90% per year. And the median was 6.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
United Fire Group PB Ratio Related Terms
United Fire Group PB Ratio Historical Data
* Premium members only.
The historical data trend for United Fire Group's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, United Fire Group's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Fire Group PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Fire Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Fire Group (UFCS) has a PB Ratio of 1.42 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Fire Group and its competitors. This is 45% above median its historical median of 0.98. Over the past decade, United Fire Group's PB Ratio has ranged from 0.57 to 1.57. According to the industry distribution chart, United Fire Group ranks #259 out of 502 companies in the Insurance industry, placing it in the top 51.6%.
Is United Fire Group's PB Ratio too high?
United Fire Group's current PB Ratio of 1.42 is 45% above median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.57. The Insurance industry median PB Ratio is 1.38. United Fire Group's value of 1.42 is 2.9% above this industry median. Based on the distribution chart, United Fire Group ranks #259 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, United Fire Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Fire Group's PB Ratio compare to PRA and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #259 out of 502 companies for PB Ratio. This places United Fire Group in the lower half of its industry. The industry median PB Ratio is 1.38. United Fire Group's value of 1.42 is 2.9% above this benchmark. Historically, United Fire Group's own PB Ratio has ranged from 0.57 to 1.57 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 1.38, United Fire Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current PB Ratio of 1.42 is 2.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Fire Group and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current PB Ratio is 1.42, which is 45% above median its own 10-year median of 0.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Fire Group stock overvalued right now?
Based on GuruFocus' analysis, United Fire Group (UFCS) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.58, compared to a current price of $52.44 — trading 66.1% above its estimated fair value. The current PB Ratio is 1.42, which is 45% above median its 10-year median of 0.98 and 2.9% above the Insurance industry median of 1.38. United Fire Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Fire Group (UFCS), the current PB Ratio is 1.42 as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Fire Group (UFCS) Overvalued in 2026?
Based on GuruFocus' analysis, United Fire Group stock appears to be overvalued.
The current stock price of $52.44 is trading 66.1% above its estimated GF Value™ of $31.58.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
PB Ratio: 1.42 (45% above median its 10-year median of 0.98)
GF Value™: $31.58 vs. price of $52.44 (66.1% above fair value)
Industry Position: 2.9% above the Insurance median (#259 of 502)
No single metric tells the full story. See the UFCS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Fire Group Inc is engaged in the business of writing property and casualty insurance and selling annuities through a network of independent agencies. The company's only operating segment is property and casualty insurance, which includes commercial lines insurance, personal lines insurance, and assumed reinsurance. The primary source of revenue is premium and investment income.
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