Till Capital (OTCMKTS:TILCF – Get Free Report) and United Fire Group (NASDAQ:UFCS – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, profitability, dividends, earnings and risk.
Earnings and Valuation
This table compares Till Capital and United Fire Group”s top-line revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Till Capital | $6.76 million | 0.54 | -$2.18 million | N/A | N/A |
United Fire Group | $1.10 billion | 0.46 | -$29.70 million | ($0.69) | -29.13 |
Till Capital has higher earnings, but lower revenue than United Fire Group.
Dividends
Volatility & Risk
Till Capital has a beta of -0.72, indicating that its stock price is 172% less volatile than the S&P 500. Comparatively, United Fire Group has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Till Capital and United Fire Group, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Till Capital | 0 | 0 | 0 | 0 | N/A |
United Fire Group | 1 | 0 | 0 | 0 | 1.00 |
United Fire Group has a consensus target price of $19.00, indicating a potential downside of 5.47%. Given United Fire Group’s higher probable upside, analysts clearly believe United Fire Group is more favorable than Till Capital.
Insider and Institutional Ownership
62.7% of United Fire Group shares are held by institutional investors. 27.5% of Till Capital shares are held by company insiders. Comparatively, 6.0% of United Fire Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares Till Capital and United Fire Group’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Till Capital | N/A | N/A | N/A |
United Fire Group | 3.17% | 5.23% | 1.16% |
Summary
United Fire Group beats Till Capital on 8 of the 12 factors compared between the two stocks.
About Till Capital
Till Capital Corporation, together with its subsidiaries, engages in the mineral exploration activities. The company explores for silver, gold, copper, and other deposits. It owns various mineral royalties and exploration property option agreements. The company also holds an interest in the Copper King property. The company was incorporated in 2012 and is based in Vancouver, Canada.
About United Fire Group
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; and reinsurance coverage for property and casualty insurance. Its commercial lines include fire and allied lines, other liability, automobile, workers’ compensation, fidelity and surety coverage, and other insurance products; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners, as well as provides assumed reinsurance products. The company sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.
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