UTGN
UTG, Inc.
Price Chart
Latest Quote
$55.00
+1.00 (+1.85%)
Current Price
| Previous Close | $54.00 |
| Open | $55.00 |
| Day High | $55.00 |
| Day Low | $55.00 |
| Volume | 592 |
Stock Information
| Shares Outstanding | 3.14M |
| Cash Equivalents | $54.16M |
| Revenue | $56.94M |
| Net Income | $27.56M |
| Sector | Financial Services |
| Industry | Insurance - Life |
| Market Cap | $172.67M |
| P/E Ratio | 10.15 |
| EPS (TTM) | $5.42 |
| Exchange | PNK |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $115.84M |
| Sales | $56.94M |
| Income | $27.56M |
| Book/sh | $81.54 |
| Cash/sh | $17.25 |
| Employees | 40 |
Financial Ratios
| Quick Ratio | 2.74 |
| Current Ratio | 3.83 |
| EPS Growth TTM | 83.50% |
Returns & Margins
| ROA | 4.30% |
| ROE | 11.51% |
| Gross Margin | 77.20% |
| Operating Margin | 81.48% |
| Profit Margin | 48.41% |
Ownership
| Insider Ownership | 74.84% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | 1.02 |
| P/S | 3.03 |
| P/B | 0.67 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $53.49 |
| SMA50 | $56.17 |
| SMA200 | $52.70 |
| RSI | 77.90 |
| ATR | 0.3207 |
| Shares Float | 780K |
| Rel Volume | 5.66 |
Performance History
| Week | +1.85% |
| Month | +4.76% |
| Quarter | +2.23% |
| 6 Months | +3.77% |
| YTD | -0.18% |
| Year | +48.61% |
| 3 Years | +83.33% |
| 5 Years | +107.55% |
| 10 Years | +243.75% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-04 | $55.00 | 592 |
| 2026-06-03 | $54.00 | 0 |
| 2026-06-02 | $54.00 | 200 |
| 2026-06-01 | $54.00 | 0 |
| 2026-05-29 | $54.00 | 0 |
| 2026-05-28 | $54.00 | 0 |
| 2026-05-27 | $54.00 | 300 |
| 2026-05-26 | $54.99 | 0 |
| 2026-05-22 | $54.99 | 800 |
| 2026-05-21 | $53.82 | 100 |
| 2026-05-20 | $53.00 | 0 |
| 2026-05-19 | $53.00 | 0 |
| 2026-05-18 | $53.00 | 0 |
| 2026-05-15 | $53.00 | 100 |
| 2026-05-14 | $52.50 | 0 |
| 2026-05-13 | $52.50 | 0 |
| 2026-05-12 | $52.50 | 0 |
| 2026-05-11 | $52.50 | 0 |
| 2026-05-08 | $52.50 | 0 |
| 2026-05-07 | $52.50 | 0 |
| 2026-05-06 | $52.50 | 0 |
| 2026-05-05 | $52.50 | 100 |
About UTG, Inc.
UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes the servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. In addition, the company offers reinsurance products; and investment in its real estate portfolio includes ownership in oil and gas royalties. UTG, Inc. was founded in 1966 and is headquartered in Stanford, Kentucky.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $85,023,567 | $26,409,327 | $69,825,406 | $35,734,664 |
| Operating Revenue | $85,023,567 | $26,409,327 | $69,825,406 | $35,734,664 |
| Expenses | ||||
| Interest Expense | $11,600 | $28,389 | $108,722 | $4,051 |
| Total Expenses | $22,803,403 | $23,597,513 | $25,888,921 | $23,909,831 |
| Other Income Expense | $236,846 | $280,303 | $350,519 | $412,982 |
| Net Non Operating Interest Income Expense | $-11,600 | $-28,389 | $-108,722 | $-4,051 |
| Interest Expense Non Operating | $11,600 | $28,389 | $108,722 | $4,051 |
| Other Operating Expenses | $9,429,857 | $8,368,135 | $10,497,302 | $7,115,530 |
| Loss Adjustment Expense | $11,416,898 | $13,207,162 | $13,253,993 | $14,756,800 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $49,301,515 | $2,656,610 | $34,258,005 | $9,663,063 |
| Net Interest Income | $-11,600 | $-28,389 | $-108,722 | $-4,051 |
| Normalized Income | $49,301,515 | $2,656,610 | $34,258,005 | $9,663,063 |
| Net Income From Continuing And Discontinued Operation | $49,301,515 | $2,656,610 | $34,258,005 | $9,663,063 |
| Net Income Common Stockholders | $49,301,515 | $2,656,610 | $34,258,005 | $9,663,063 |
| Net Income | $49,301,515 | $2,656,610 | $34,258,005 | $9,663,063 |
| Net Income Including Noncontrolling Interests | $49,401,181 | $2,770,007 | $34,364,346 | $9,755,160 |
| Net Income Continuous Operations | $49,401,181 | $2,770,007 | $34,364,346 | $9,755,160 |
| Pretax Income | $62,220,164 | $2,811,814 | $43,936,485 | $11,824,833 |
| Per Share | ||||
| Diluted EPS | $15.57 | $0.84 | $10.81 | $3.05 |
| Basic EPS | $15.57 | $0.84 | $10.81 | $3.05 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,905,768 | $728,887 | $2,032,627 | $2,757,522 |
| EBIT | $62,231,764 | $2,840,203 | $44,045,207 | $11,828,884 |
| Diluted Average Shares | $3,165,541 | $3,176,757 | $3,167,719 | $3,171,919 |
| Basic Average Shares | $3,165,541 | $3,176,757 | $3,167,719 | $3,171,919 |
| Diluted NI Availto Com Stockholders | $49,301,515 | $2,656,610 | $34,258,005 | $9,663,063 |
| Minority Interests | $-99,666 | $-113,397 | $-106,341 | $-92,097 |
| Tax Provision | $12,818,983 | $41,807 | $9,572,139 | $2,069,673 |
| Net Policyholder Benefits And Claims | $11,416,898 | $13,207,162 | $13,253,993 | $14,756,800 |
| Policyholder Benefits Gross | $13,740,517 | $16,089,474 | $15,703,526 | $17,137,166 |
| Policyholder Benefits Ceded | $2,323,619 | $2,882,312 | $2,449,533 | $2,380,366 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $210,134,909 | $161,226,464 | $157,574,904 | $140,768,252 |
| Total Assets | $476,946,805 | $441,708,933 | $447,534,365 | $438,459,757 |
| Receivables | $41,468,819 | $44,719,450 | $43,381,014 | $47,865,908 |
| Taxes Receivable | $790,608 | $2,128,027 | $0 | $975,373 |
| Notes Receivable | $12,672,175 | $14,009,225 | $14,424,127 | $17,722,976 |
| Accounts Receivable | $28,006,036 | $28,582,198 | $28,956,887 | $29,167,559 |
| Cash Cash Equivalents And Short Term Investments | $57,176,004 | $149,401,977 | $157,200,385 | $171,751,159 |
| Cash And Cash Equivalents | $45,263,967 | $41,185,196 | $45,290,385 | $30,787,278 |
| Debt | ||||
| Total Debt | - | $19,000,000 | $19,000,000 | $24,000,000 |
| Long Term Debt And Capital Lease Obligation | - | $19,000,000 | $19,000,000 | $24,000,000 |
| Long Term Debt | - | $19,000,000 | $19,000,000 | $24,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $266,352,441 | $280,019,140 | $289,505,989 | $297,214,950 |
| Non Current Deferred Liabilities | $23,072,061 | $12,426,840 | $11,582,138 | $13,680,396 |
| Non Current Deferred Taxes Liabilities | $23,072,061 | $12,426,840 | $11,582,138 | $13,680,396 |
| Payables And Accrued Expenses | $3,847,214 | $4,188,917 | $8,261,960 | $3,941,305 |
| Payables | $3,847,214 | $4,188,917 | $8,261,960 | $3,941,305 |
| Accounts Payable | $3,847,214 | $4,188,917 | $4,072,879 | $3,941,305 |
| Total Tax Payable | - | $0 | $4,189,081 | $0 |
| Income Tax Payable | - | $0 | $4,189,081 | $0 |
| Equity | ||||
| Common Stock Equity | $210,134,909 | $161,226,464 | $157,574,904 | $140,768,252 |
| Total Equity Gross Minority Interest | $210,594,364 | $161,689,793 | $158,028,376 | $141,244,807 |
| Stockholders Equity | $210,134,909 | $161,226,464 | $157,574,904 | $140,768,252 |
| Gains Losses Not Affecting Retained Earnings | $-2,942,313 | $-2,720,582 | $-7,111,586 | $10,253,151 |
| Other Equity Adjustments | $-2,942,313 | $-2,720,582 | $-7,111,586 | $10,253,151 |
| Retained Earnings | $180,631,577 | $131,330,062 | $131,989,352 | $97,731,347 |
| Other | ||||
| Ordinary Shares Number | $3,157,765 | $3,165,320 | $3,164,809 | $3,166,669 |
| Share Issued | $3,157,765 | $3,165,320 | $3,164,809 | $3,166,669 |
| Tangible Book Value | $210,134,909 | $161,226,464 | $157,574,904 | $140,768,252 |
| Invested Capital | $210,134,909 | $180,226,464 | $176,574,904 | $164,768,252 |
| Total Capitalization | $210,134,909 | $180,226,464 | $176,574,904 | $164,768,252 |
| Minority Interest | $459,455 | $463,329 | $453,472 | $476,555 |
| Additional Paid In Capital | $32,442,486 | $32,613,817 | $32,693,972 | $32,780,587 |
| Capital Stock | $3,159 | $3,167 | $3,166 | $3,167 |
| Common Stock | $3,159 | $3,167 | $3,166 | $3,167 |
| Investments And Advances | $336,644,393 | $307,570,252 | $286,355,582 | $277,736,345 |
| Other Short Term Investments | $11,912,037 | $108,216,781 | $111,910,000 | $140,963,881 |
| Net PPE | - | - | - | $0 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-1,568,091 | $-9,785,373 | $-5,334,319 | $-12,453,435 |
| Operating Activities | ||||
| Operating Cash Flow | $-1,568,091 | $-9,785,373 | $-5,334,319 | $-12,453,435 |
| Cash Flow From Continuing Operating Activities | $-1,568,091 | $-9,785,373 | $-5,334,319 | $-12,453,435 |
| Operating Gains Losses | $-6,456,126 | $-9,463,843 | $-9,156,714 | $-5,648,707 |
| Investing Activities | ||||
| Investing Cash Flow | $26,500,773 | $6,903,871 | $26,203,334 | $-18,054,381 |
| Cash Flow From Continuing Investing Activities | $26,500,773 | $6,903,871 | $26,203,334 | $-18,054,381 |
| Net Other Investing Changes | $1,392,052 | $164,902 | $3,298,848 | $-40,680 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-648,152 | $-881,966 | $-685,808 | $-537,379 |
| Financing Cash Flow | $-20,853,911 | $-1,223,687 | $-6,365,908 | $22,269,340 |
| Cash Flow From Continuing Financing Activities | $-20,853,911 | $-1,223,687 | $-6,365,908 | $22,269,340 |
| Net Other Financing Charges | $-1,205,759 | $-341,721 | $-680,100 | $-1,198,286 |
| Net Common Stock Issuance | $-648,152 | $-881,966 | $-685,808 | $-532,374 |
| Issuance Of Capital Stock | - | - | $0 | $5,005 |
| Common Stock Issuance | - | - | $0 | $5,005 |
| Other | ||||
| Repayment Of Debt | $-19,000,000 | $-21,500,000 | $-63,500,000 | $0 |
| Issuance Of Debt | $0 | $21,500,000 | $58,500,000 | $24,000,000 |
| End Cash Position | $45,263,967 | $41,185,196 | $45,290,385 | $30,787,278 |
| Beginning Cash Position | $41,185,196 | $45,290,385 | $30,787,278 | $39,025,754 |
| Changes In Cash | $4,078,771 | $-4,105,189 | $14,503,107 | $-8,238,476 |
| Common Stock Payments | $-648,152 | $-881,966 | $-685,808 | $-537,379 |
| Net Issuance Payments Of Debt | $-19,000,000 | $0 | $-5,000,000 | $24,000,000 |
| Net Long Term Debt Issuance | $-19,000,000 | - | $-5,000,000 | $24,000,000 |
| Long Term Debt Payments | $-19,000,000 | $-21,500,000 | $-63,500,000 | $0 |
| Long Term Debt Issuance | $0 | $21,500,000 | $58,500,000 | $24,000,000 |
| Net Investment Purchase And Sale | $34,073,075 | $-22,040,211 | $15,510,980 | $-9,584,116 |
| Sale Of Investment | $60,594,994 | $38,887,533 | $49,272,573 | $27,515,591 |
| Purchase Of Investment | $-26,521,919 | $-60,927,744 | $-33,761,593 | $-37,099,707 |
| Net Investment Properties Purchase And Sale | $-8,380,229 | $13,113,475 | $8,073,574 | $-2,590,062 |
| Sale Of Investment Properties | $3,223,290 | $16,531,219 | $12,659,854 | $8,370,848 |
| Purchase Of Investment Properties | $-11,603,519 | $-3,417,744 | $-4,586,280 | $-10,960,910 |
| Change In Working Capital | $849,537 | $-6,427,587 | $-652,524 | $-3,977,381 |
| Change In Other Working Capital | $2,541,733 | $-2,637,215 | $2,080,820 | $1,327,028 |
| Change In Receivables | $576,162 | $374,689 | $210,672 | $88,449 |
| Changes In Account Receivables | $576,162 | $374,689 | $210,672 | $88,449 |
| Other Non Cash Items | $-5,817,079 | $-5,917,880 | $-5,943,417 | $-6,325,818 |
| Stock Based Compensation | $476,813 | $801,812 | $599,192 | $287,934 |
| Unrealized Gain Loss On Investment Securities | $-56,839,751 | $2,856,543 | $-33,689,626 | $-14,123,942 |
| Amortization Of Securities | $635,815 | $661,257 | $826,935 | $925,635 |
| Deferred Tax | $10,711,564 | $558,916 | $2,517,685 | - |
| Deferred Income Tax | $10,711,564 | $558,916 | $2,517,685 | - |
| Depreciation And Amortization | $1,905,768 | $728,887 | $2,032,627 | $2,757,522 |
| Gain Loss On Investment Securities | $-6,456,126 | $-9,463,843 | $-9,156,714 | $-5,648,707 |
| Net Income From Continuing Operations | $49,401,181 | $2,770,007 | $34,364,346 | $9,755,160 |
| Net PPE Purchase And Sale | - | - | $0 | $1,324,647 |
| Sale Of PPE | - | - | $0 | $1,324,647 |
| Depreciation | - | - | $2,032,627 | $2,757,522 |
Fetched: 2026-02-02