UTG INC
UTGNOTCFinancials · Life Insurance · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $42.3M | $84.9M | $25.4M | $69.7M | $35.6M | $27.3M |
| Operating income | — | — | — | — | — | — |
| Net income | $17.1M | $50.0M | $2.0M | $34.3M | $9.7M | $2.1M |
| Total assets | $491.4M | $476.9M | $441.7M | $447.5M | $438.5M | $419.1M |
| Total liabilities | $258.7M | $260.1M | $280.0M | $289.5M | $297.2M | $281.9M |
| Equity | $232.2M | $216.4M | $161.2M | $157.6M | $140.8M | $136.7M |
| EPS (diluted) | $5.42 | $15.80 | $0.62 | $10.81 | $3.05 | $0.65 |
| Shares out. | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M | 3.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 40.3%
- Return on equity
- 7.4%
- Return on assets
- 3.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 52.6%
- Debt / equity
- 1.11×
- Book value / share
- $73.56
- Revenue growth (YoY)
- −50.1%
- Net income growth (YoY)
- −65.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 4.8%clean
- Piotroski F-Score
- 3/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 2 warning● 1 good- Revenue declined year-over-year
- Negative operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- First Southern Funding LlcActivist (13D)May 8, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Ochs Peter LDirector | Dec 22, 2025 | Grant | 334 | $59.80 |
| Molnar Gabriel JohnDirector | Dec 22, 2025 | Grant | 397 | $59.80 |
| Harmon Thomas EugeneDirector | Dec 22, 2025 | Grant | 334 | $59.80 |
| Dayton Howard Lape JrDirector | Dec 22, 2025 | Grant | 271 | $59.80 |
| Darden Thomas F IiDirector | Dec 22, 2025 | Grant | 397 | $59.80 |
| Cortines JohnDirector | Dec 22, 2025 | Grant | 397 | $59.80 |
| Correll Preston HowardDirector | Dec 22, 2025 | Grant | 334 | $59.80 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 11 | 1.0 | +100.0% |
| Apr 15, 2026 | 44 | 1.0 | 0.0% |
| Mar 31, 2026 | 44 | 1.0 | 0.0% |
| Mar 13, 2026 | 44 | 1.0 | 0.0% |
| Feb 27, 2026 | 44 | 1.0 | 0.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer changeFeb 6, 2026
- Director / officer changeSep 4, 2025
- Director / officer changeSep 2, 2025
- Shareholder voteJun 27, 2025
- Director / officer changeFeb 4, 2025
- Other material eventDec 27, 2024
- Director / officer changeJul 1, 2024
- Shareholder voteJun 28, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4PRIMARY DOCUMENTMay 20, 2026
- 4PRIMARY DOCUMENTMay 20, 2026
- DEF 14A2026 UTG PROXY STATEMENT AND PROXY CARDMay 15, 2026
- 10-QQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D)May 13, 2026
- 10-KMar 25, 2026
- 4PRIMARY DOCUMENTMar 9, 2026
- 5PRIMARY DOCUMENTMar 6, 2026
- 4PRIMARY DOCUMENTFeb 6, 2026
- 8-KCOMPENSATORY ARRANGEMENTS OF CERTAIN OFFICERSFeb 6, 2026
- 5PRIMARY DOCUMENTJan 15, 2026
- 4PRIMARY DOCUMENTDec 29, 2025
- 4PRIMARY DOCUMENTDec 22, 2025
- 4PRIMARY DOCUMENTDec 22, 2025
- 4PRIMARY DOCUMENTDec 22, 2025
- 4PRIMARY DOCUMENTDec 22, 2025
Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.