{"schema_version":"secwatch.filing_event.v1","accession":"0000101199-23-000087","form_type":"8-K","ticker":"UFCS","cik":"0000101199","company_name":"UNITED FIRE GROUP INC","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.843478+00:00","generated_at":"2026-06-09T01:45:23.755693+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Fire Group reports Q3 net income $0.25 per share vs loss of $0.91 YoY","bullets":["Net income $6.4M ($0.25 diluted EPS) vs loss of $23.0M ($0.91) in Q3 2022; adjusted operating income $0.31 per share.","GAAP combined ratio improved to 102.1% from 111.7%; underlying combined ratio 96.0%.","Net premiums earned $259.5M (+8.9% YoY); net investment income $16.5M (+41.8%).","Book value per share fell 13.0% to $25.53 from Dec 2022, driven by higher loss reserves and lower invested assets.","Core commercial renewal premium change accelerated to 11.0%; property rates up 17.3%."],"urls":{"canonical":"https://secwatch.observer/filing/0000101199-23-000087","json":"https://secwatch.observer/filing/0000101199-23-000087.json","markdown":"https://secwatch.observer/filing/0000101199-23-000087.md","text":"https://secwatch.observer/filing/0000101199-23-000087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000087/0000101199-23-000087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000087/ufcs-20231101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T01:45:23.755693+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":"c4c041257781fdac25414860325638e5fb184002","claim":"UNITED FIRE GROUP INC reported the quarter ended September 30, 2023 results: net income $6.4 million ($0.25 per diluted share), EPS $0.25 per diluted share.","evidence_excerpt":"On November 1, 2023, United Fire Group, Inc. issued a press release announcing its financial results for the quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000087/0000101199-23-000087-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$6.4 million ($0.25 per diluted share)"},{"label":"EPS","value":"$0.25 per diluted share"},{"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"}