---
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"
generated_at: "2026-06-19T10:14:52.957739+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Fire Group Q4 net income $0.79 per share; written premiums up 6.3%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000101199-23-000015
- JSON: https://secwatch.observer/filing/0000101199-23-000015.json
- Plain text: https://secwatch.observer/filing/0000101199-23-000015.txt

## Key facts
- Earnings Releases
  UNITED FIRE GROUP INC reported financial results for the quarter and year ended December 31, 2022.
  - Period: the quarter and year ended December 31, 2022
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/101199/000010119923000015/0000101199-23-000015-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.