Based on the aggregated intelligence of 145,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, property and casualty insurer Tower Group (NASDAQ:TWGP) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Tower's business and see what CAPS investors are saying about the stock right now.

Tower facts

Headquarters (Founded)

New York City (1989)

Market Cap

$892 million

Industry

Insurance

Trailing-12-Month Revenue

$855 million

Management

Chairman/CEO Michael Lee
CFO Francis Colalucci

Return on Equity (Average, Past 3 Years)

17.1%

Cash/Debt

$167.81 million / $245.06 million

Dividend Yield

1.3%

Competitors

Hartford Financial (NYSE:HIG)
Travelers Companies (NYSE:TRV)
OneBeacon Insurance (NYSE:OB)

CAPS Members Bullish on TWGP Also Bullish on

Johnson & Johnson (NYSE:JNJ)
Chesapeake Energy (NYSE:CHK)

CAPS Members Bearish on TWGP Also Bearish on

W.R. Berkley (NYSE:WRB)

Sources: Capital IQ (a division of Standard & Poor's), Yahoo! Finance, and Motley Fool CAPS.

On CAPS, 95.6% of the 253 members who have rated Tower believe the stock will outperform the S&P 500 going forward. These bulls include srmedava and BetapegLLC.

Just this week, srmedava wrote that Tower "is a cheap stock that is relatively safe and producing consistently increasing earnings figures."

In a pitch from last month, BetapegLLC elaborates. Here's an excerpt:

Tower Group has been an outperformer in an industry beaten down by the 2007-2009 recession. Tower Group managed to increase shareholders' equity and book value through it all. The Company's strategy is to underwrite insurance in specific market segments often ignored by traditional insurance companies. They often go where no one else is willing to go. ... Tower Group pays a healthy dividend yield. ... The stock price has not reflected these excellent fundamentals however. The PE, PS, and PB ratios are below the industry average indicating the company is cheap relative to its industry.

What do you think about Tower, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Johnson & Johnson is a Motley Fool Income Investor pick. Chesapeake is a choice of Inside Value, and the Fool owns shares of it. The Fool's disclosure policy always gets a perfect score.