Universal Insurance vs First Mid

Universal Insurance Holdings Inc. and First Mid Bancshares Inc. this page compares their business models, financial performance, and market context in a neutral, accessible way. It examines strategic approaches, customer focus, and competitive positioning within their sectors. Educational content, not financial advice.

Universal Insurance Holdings Inc. and First Mid Bancshares Inc. this page compares their business models, financial performance, and market context in a neutral, accessible way. It examines strategic ...

About The Companies

Universal Insurance (UVE)

Universal Insurance Holdings, Inc. (ticker: UVE) is a US property and casualty insurance holding company that primarily writes personal lines such as homeowners and dwelling fire coverage, largely concentrated in Florida and other southeastern states. The business distributes products through independent agents and manages underwriting, claims handling and reinsurance arrangements. At a market capitalisation around $801 million, UVE is a small-cap insurer whose results can be sensitive to underwriting cycles, catastrophe losses (notably hurricanes), investment returns and regional regulatory changes. Key metrics for investors include combined ratios, reserve development, capital adequacy, and reinsurance costs. While disciplined underwriting and reinsurance can help mitigate volatility, earnings and share price may fluctuate materially after large weather events. This summary is educational and not personal financial advice; values can rise or fall and past performance is not a reliable guide. Consult a regulated financial adviser to assess suitability for your circumstances.

First Mid (FMBH)

First Mid Bancshares, Inc. (FMBH) is a regional bank holding company with a focus on community and commercial banking, wealth management and trust services. With a market capitalisation of about $880.5m, the group typically earns revenue from lending, deposit-taking and fee‑based services, and may appeal to investors seeking exposure to the US regional banking franchise model. Key considerations include sensitivity to interest rate cycles, loan portfolio credit quality and local economic conditions. Regulatory oversight and capital requirements are also important for banking stocks. As with any equity, share prices can rise or fall; past performance does not predict future results. This summary is for general educational purposes and not personal financial advice — investors should consider their objectives and risk tolerance and may wish to consult a qualified adviser before acting.

Comparison Snapshot

Key Financial Metrics

UVE

Metric

FMBH

$926.17M

Market Cap

$1.01B

6.00%

Potential Profit

5.52%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

Climate-Risk Underwriters

These innovative companies are turning climate uncertainty into a measurable market opportunity. Our analysts have carefully selected insurtech pioneers who use advanced data and AI to manage environmental risks that traditional insurers avoid.

Published: June 17, 2025

Explore Basket

Which Baskets Do They Appear In?

Climate-Risk Underwriters

These innovative companies are turning climate uncertainty into a measurable market opportunity. Our analysts have carefully selected insurtech pioneers who use advanced data and AI to manage environmental risks that traditional insurers avoid.

Published: June 17, 2025

Explore Basket

Investment Analysis