United Fire Group (NASDAQ:UFCS) and Maiden (NASDAQ:MHLD) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, dividends, earnings, risk and profitability.

Volatility and Risk

United Fire Group has a beta of -0.1, indicating that its share price is 110% less volatile than the S&P 500. Comparatively, Maiden has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500.

Insider & Institutional Ownership

62.1% of United Fire Group shares are owned by institutional investors. Comparatively, 46.9% of Maiden shares are owned by institutional investors. 6.7% of United Fire Group shares are owned by company insiders. Comparatively, 10.5% of Maiden shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares United Fire Group and Maiden’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Fire Group 1.91% 0.11% 0.03%
Maiden -30.35% -164.52% -8.25%

Dividends

United Fire Group pays an annual dividend of $1.32 per share and has a dividend yield of 2.9%. Maiden pays an annual dividend of $0.05 per share and has a dividend yield of 8.9%. United Fire Group has increased its dividend for 5 consecutive years.

Valuation & Earnings

This table compares United Fire Group and Maiden’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
United Fire Group $1.07 billion 1.09 $27.65 million N/A N/A
Maiden $2.16 billion 0.02 -$544.62 million N/A N/A

United Fire Group has higher earnings, but lower revenue than Maiden.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for United Fire Group and Maiden, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Fire Group 0 0 0 0 N/A
Maiden 0 2 0 0 2.00

Maiden has a consensus target price of $1.00, suggesting a potential upside of 78.57%. Given Maiden’s higher probable upside, analysts plainly believe Maiden is more favorable than United Fire Group.

Summary

United Fire Group beats Maiden on 7 of the 12 factors compared between the two stocks.

United Fire Group Company Profile

United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.

Maiden Company Profile

Maiden Holdings, Ltd., through its subsidiaries, provides reinsurance solutions to regional and specialty insurers primarily in Europe and internationally. The company writes treaties on a quota share basis and excess of loss basis. It also offers auto and credit life insurance products through its insurer partners to retail clients. Maiden Holdings, Ltd. was founded in 2007 and is headquartered in Pembroke, Bermuda.

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