{"schema_version":"secwatch.filing_event.v1","accession":"0000101199-23-000015","form_type":"8-K","ticker":"UFCS","cik":"0000101199","company_name":"UNITED FIRE GROUP INC","filed_at":"2023-02-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.471951+00:00","generated_at":"2026-06-19T10:14:52.957739+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Fire Group Q4 net income $0.79 per share; written premiums up 6.3%","bullets":["Net income of $20.1M ($0.79 diluted EPS) in Q4; adjusted operating EPS of $0.18.","Net premiums written increased 6.3% YoY to $234.7M; full-year up 4.6% to $984.2M.","GAAP combined ratio of 103.6% in Q4, driven by catastrophe losses of 4.9% and unfavorable reserve development of 4.9%.","Full-year underlying loss ratio improved to 59.2%, lowest in 10 years; expense ratio 34.4%.","Book value per share $29.36, up 5.5% from Q3; quarterly dividend $0.16 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000101199-23-000015","json":"https://secwatch.observer/filing/0000101199-23-000015.json","markdown":"https://secwatch.observer/filing/0000101199-23-000015.md","text":"https://secwatch.observer/filing/0000101199-23-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000015/0000101199-23-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000015/ufcs-20230215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T10:14:52.957739+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"3795e30ef44e2facd9e3703ab57df487fb9c6318","claim":"UNITED FIRE GROUP INC reported financial results for the quarter and year ended December 31, 2022.","evidence_excerpt":"On February 15, 2023, United Fire Group, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000015/0000101199-23-000015-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}