What is the ruling on someone who says to a person or family, "You Jews"?

Accusing a Muslim of disbelief (kufr) is a serious matter. Whoever says to a Muslim or a group of Muslims, "O Jews," has accused them of disbelief. If the one to whom this was said is not truly a disbeliever, the word of disbelief returns to its utterer, based on the Prophet's (peace be upon him) saying: "If a man says to his brother, 'O disbeliever,' then one of them is guilty of it. If it is as he said, then [the accusation is true]; otherwise, it returns to him."