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Utg(OTC) UTGN

Current Price$57.99
Market Cap$182.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+231%
5 Year+87%
1 Year+56%
1 Month+2%
Utg last closing stock price
MetricPriceDate
Last closeUSD 57.992026-07-23
Utg stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 57.992026-07-14
1 month+1.74%USD 57.002026-06-23
3 month+7.27%USD 54.062026-04-23
Year to date+5.25%USD 55.102025-12-31
1 year+55.68%USD 37.252025-07-23
3 year+95.91%USD 29.602023-07-24
5 year+87.07%USD 31.002021-07-23
Since inception+231.37%USD 17.501992-06-16

Utg Financials at a Glance

Market Cap

$182.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$56.96M

Net Income (TTM)

$27.74M

EPS (TTM)

$8.78

P/E Ratio

6.60

Dividend

$0.00

Beta (Volatility)

-0.01 (Low)

Price

$57.99

Volume

59

Open

$57.99

Previous Close

$57.99

Daily Range

$57.99 - $57.99

52-Week Range

$42.25 - $65.73

Estimated Earnings Date

May 11, 2026

UTGN News

No articles available.

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About Utg

UTG offers life insurance and annuity products for individuals and families. Its services help people manage financial risks and plan for the future. The company also invests in real estate and oil and gas assets to support its insurance business.

Products and Services

  • Individual Life Insurance: Fixed premium policies for individuals and families; premiums and policy fees represented approximately 17% of total revenue in 2025.
  • Annuity Products: Five-year, single premium annuities with guaranteed minimum interest.
  • Reinsurance: Shares insurance risk with other companies to manage exposure; revenue not separately disclosed.
  • Third-Party Administration: Processes life insurance business for other companies; revenue is insignificant.
  • Investment Activities: Invests in equities, real estate, oil and gas royalties; investment income is 73% of revenue before gains in 2025.

Growth and Expansion

  • Focus on acquiring insurance companies or policy blocks as a core business strategy.
  • Expanded investment portfolio into oil and gas assets, reaching 35% of invested assets by 2025.
  • Ongoing stock repurchase program since inception, with $21.6 million spent by 2025.
  • Shared services arrangement with First Southern National Bank for operational efficiency.

What Makes UTG Stand Out

UTG concentrates on servicing existing policies rather than selling new ones. Its investment portfolio is heavily weighted toward oil and gas assets, which is unusual for a life insurer. The company maintains high persistency rates and uses shared services to control costs.

Five Things You Need to Know

  • Total revenue was $42.3 million in 2025, down 50.1% from 2024.
  • Net income was $17.08 million in 2025, down 65.8% from 2024.
  • Investment income made up 73% of revenue before gains in 2025.
  • Oil and gas investments were 35% of invested assets in 2025.
  • Persistency rate was 96.5% in 2025, showing stable policyholder retention.

Bottom Line

UTG has evolved by focusing on existing insurance business and strategic investments. Its approach emphasizes stability, cost control, and diversification through alternative assets.

AI Generated • Apr 16, 2026

Industry

Insurance

Sector

Financials

Employees

40

CEO

Jesse Thomas Correll

Website

www.utgins.com

Headquarters

Stanford, KY 40484, US

UTGN Financials

Key Financial Metrics (TTM)

Gross Margin

80.23%

Operating Margin

61.54%

Net Income Margin

48.70%

Return on Equity

11.77%

Return on Capital

9.42%

Return on Assets

5.32%

Earnings Yield

15.15%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$182.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

3.14M

Volume

59

Avg. Volume

177.839

Financials (TTM)

Gross Profit

$45.70M

Operating Income

$35.05M

EBITDA

$36.45M

Operating Cash Flow

-$5.86M

Capital Expenditure

$0.00

Free Cash Flow

-$5.86M

Cash & ST Invst.

$54.16M

Total Debt

$0.00

Utg Performance Analysis

Utg annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 69,708,83595.7%
20232023-12-31USD 26,306,356-62.3%
20242024-12-31USD 84,913,621222.8%
20252025-12-31USD 42,345,719-50.1%
Utg sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-84.4%
Q32025-09-30407.6%
Q42025-12-31-101.7%
Q12026-03-3112231.3%
Utg annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 10.81255.0%
20232023-12-31USD 0.84-92.3%
20242024-12-31USD 15.801788.9%
20252025-12-31USD 5.42-65.7%
Utg sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-113.8%
Q32025-09-30680.4%
Q42025-12-31-140.9%
Q12026-03-31657.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$36.49M

+66.4%

Gross Profit

$32.56M

+73.7%

Gross Margin

89.23%

N/A

Market Cap

$182.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$4.55M

N/A

Employees

40

N/A

Net Income

$23.44M

+83.5%

EBITDA

$30.23M

+78.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$54.16M

+13.1%

Total Debt

$0.00

N/A

Accounts Receivable

$39.25M

-7.3%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

5.32%

N/A

Return on Invested Capital

6.74%

N/A

Free Cash Flow

-$2.60M

+20.2%

Operating Cash Flow

-$2.60M

+20.2%

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Questions About UTGN

What is the current price of Utg?

Utg is trading at $57.99 per share.

What is the 52-week range for Utg?

Over the past 52 weeks, Utg has traded between $42.25 and $65.73.

How much debt does Utg have?

As of the most recent reporting period, Utg reported total debt of $0.00.

How much cash does Utg have on hand?

Utg reported $46.77M in cash and cash equivalents in its most recent financial results.

What is Utg’s dividend yield?

Utg does not currently have a dividend yield.

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