Profitability
Weight: 25%
A-
82
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.3%
- Operating Margin Trend +0.79 pp/yr
UFCS
United Fire Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C-
45
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 6.3%
- 5yr Share-Count CAGR 1.3%
Growth Quality
Weight: 10%
B+
79
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 7.7%
- 5yr EPS CAGR 9.1%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 2.02x
Balance Sheet
Weight: 30%
A+
97
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 24.5%
- Interest Coverage (EBIT/Int) 14.13x
Stability
Weight: 10%
C-
44
- EPS Volatility (σ/μ) 0.61
- Piotroski F-Score 6
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 trimmed; 1 full exit.
- Holders
- 2
- Avg Δ position
- -4.5%
- New buys
- 1
- Full exits
- 1