TWFG
TWFG, Inc.
Price Chart
Latest Quote
$20.97
-0.73 (-3.36%)
Current Price
| Previous Close | $21.70 |
| Open | $21.61 |
| Day High | $21.80 |
| Day Low | $20.74 |
| Volume | 195,412 |
Stock Information
| Shares Outstanding | 13.00M |
| Total Debt | $8.53M |
| Cash Equivalents | $124.84M |
| Revenue | $267.53M |
| Net Income | $8.38M |
| Sector | Financial Services |
| Industry | Insurance Brokers |
| Market Cap | $272.55M |
| P/E Ratio | 37.45 |
| EPS (TTM) | $0.56 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $402.97M |
| Sales | $267.53M |
| Income | $8.38M |
| Book/sh | $4.88 |
| Cash/sh | $9.61 |
| Employees | 400 |
Financial Ratios
| Quick Ratio | 2.88 |
| Current Ratio | 3.42 |
| Debt/Eq | 2.78 |
| EPS Growth TTM | 31.30% |
Returns & Margins
| ROA | 7.77% |
| ROE | 16.16% |
| Gross Margin | 85.30% |
| Operating Margin | 16.96% |
| Profit Margin | 3.13% |
Ownership
| Insider Ownership | 14.83% |
| Institutional Ownership | 85.83% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 18.96 |
| P/S | 1.02 |
| P/B | 4.30 |
Analyst Data
| Recommendation | buy |
| Target Price | $23.57 |
Technical Indicators
| SMA20 | $19.79 |
| SMA50 | $19.31 |
| SMA200 | $23.35 |
| RSI | 65.72 |
| ATR | 1.0089 |
| Shares Float | 11.33M |
| Short Float | 6.07% |
| Short Ratio | 1.90 |
| Rel Volume | 0.74 |
Performance History
| Week | -4.03% |
| Month | +12.50% |
| Quarter | +7.76% |
| 6 Months | -26.42% |
| YTD | -25.11% |
| Year | -40.59% |
| 10 Years | -4.73% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $20.97 | 195,900 |
| 2026-06-16 | $21.70 | 156,400 |
| 2026-06-15 | $21.14 | 222,000 |
| 2026-06-12 | $21.56 | 142,000 |
| 2026-06-11 | $21.19 | 219,300 |
| 2026-06-10 | $21.85 | 147,300 |
| 2026-06-09 | $20.65 | 392,800 |
| 2026-06-08 | $19.89 | 505,900 |
| 2026-06-05 | $19.87 | 514,900 |
| 2026-06-04 | $18.95 | 217,000 |
| 2026-06-03 | $18.60 | 264,300 |
| 2026-06-02 | $19.10 | 455,200 |
| 2026-06-01 | $19.20 | 443,400 |
| 2026-05-29 | $18.77 | 321,600 |
| 2026-05-28 | $18.76 | 148,800 |
| 2026-05-27 | $18.57 | 202,600 |
| 2026-05-26 | $18.92 | 214,500 |
| 2026-05-22 | $18.86 | 162,400 |
| 2026-05-21 | $18.91 | 207,300 |
| 2026-05-20 | $18.34 | 125,900 |
| 2026-05-19 | $18.84 | 156,200 |
| 2026-05-18 | $18.64 | 137,000 |
About TWFG, Inc.
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. TWFG, Inc. was founded in 2001 and is based in The Woodlands, Texas.
đ° Latest News
How The TWFG (TWFG) Investment Story Is Shifting With AI And Slower Growth Concerns
Simply Wall St. âĸ 2026-06-09T08:06:42Z
Wall Street Analysts Predict a 30.97% Upside in TWFG, Inc. (TWFG): Here's What You Should Know
Zacks âĸ 2026-05-29T13:55:02Z
Results: TWFG, Inc. Beat Earnings Expectations And Analysts Now Have New Forecasts
Simply Wall St. âĸ 2026-05-11T15:41:16Z
TWFG Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-09T06:07:53Z
Twfg (TWFG) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-05-08T17:31:28Z
TWFG, Inc. (TWFG) Q1 Earnings and Revenues Beat Estimates
Zacks âĸ 2026-05-07T23:05:16Z
TWFG, Inc. (TWFG) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks âĸ 2026-05-07T23:00:04Z
A Look At TWFG (TWFG) Valuation As Shares Show Mixed Recent Performance
Simply Wall St. âĸ 2026-05-03T18:06:07Z
TWFG, Inc. (TWFG) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
Zacks âĸ 2026-04-30T14:00:13Z
Upbound Group (UPBD) Q1 Earnings Top Estimates
Zacks âĸ 2026-04-30T12:30:14Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $171,154,000 | $147,150,000 | $130,817,000 | $117,151,000 |
| Cost Of Revenue | $171,154,000 | $147,150,000 | $130,817,000 | $117,151,000 |
| Total Revenue | $233,960,000 | $193,720,000 | $166,990,000 | $147,784,000 |
| Operating Revenue | $233,960,000 | $193,720,000 | $166,990,000 | $147,784,000 |
| Expenses | ||||
| Interest Expense | $287,000 | $2,223,000 | $1,003,000 | $398,000 |
| Total Expenses | $210,086,000 | $174,517,000 | $145,684,000 | $128,687,000 |
| Other Income Expense | $14,251,000 | $8,731,000 | $4,068,000 | $4,602,000 |
| Other Non Operating Income Expenses | $14,251,000 | $8,731,000 | $4,068,000 | $4,602,000 |
| Net Non Operating Interest Income Expense | $6,320,000 | $2,153,000 | $-112,000 | $-352,000 |
| Interest Expense Non Operating | $287,000 | $2,223,000 | $1,003,000 | $398,000 |
| Operating Expense | $38,932,000 | $27,367,000 | $14,867,000 | $11,536,000 |
| Other Operating Expenses | $-1,441,000 | $-1,318,000 | $-968,000 | $-1,471,000 |
| General And Administrative Expense | $22,020,000 | $16,665,000 | $10,973,000 | $9,705,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $7,963,000 | $2,745,000 | $-834,000 | $2,733,000 |
| Net Interest Income | $6,320,000 | $2,153,000 | $-112,000 | $-352,000 |
| Interest Income | $6,607,000 | $4,376,000 | $891,000 | $46,000 |
| Normalized Income | $7,963,000 | $2,745,000 | $-834,000 | $2,733,000 |
| Net Income From Continuing And Discontinued Operation | $7,963,000 | $2,745,000 | $0 | $0 |
| Total Operating Income As Reported | $36,985,000 | $27,925,000 | $25,391,000 | $23,717,000 |
| Net Income Common Stockholders | $7,963,000 | $2,745,000 | $0 | $0 |
| Net Income | $7,963,000 | $2,745,000 | $0 | $0 |
| Net Income Including Noncontrolling Interests | $41,166,000 | $28,592,000 | $26,096,000 | $20,614,000 |
| Net Income Discontinuous Operations | $0 | $0 | $834,000 | $-2,733,000 |
| Net Income Continuous Operations | $41,166,000 | $28,592,000 | $25,262,000 | $23,347,000 |
| Pretax Income | $44,445,000 | $30,087,000 | $25,262,000 | $23,347,000 |
| Interest Income Non Operating | $6,607,000 | $4,376,000 | $891,000 | $46,000 |
| Operating Income | $23,874,000 | $19,203,000 | $21,306,000 | $19,097,000 |
| Depreciation Amortization Depletion Income Statement | $18,353,000 | $12,020,000 | $4,862,000 | $3,302,000 |
| Depreciation And Amortization In Income Statement | $18,353,000 | $12,020,000 | $4,862,000 | $3,302,000 |
| Gross Profit | $62,806,000 | $46,570,000 | $36,173,000 | $30,633,000 |
| Per Share | ||||
| Diluted EPS | $0.51 | $0.19 | $0.00 | $0.00 |
| Basic EPS | $0.51 | $0.19 | $0.00 | $0.00 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $63,085,000 | $44,330,000 | $31,127,000 | $27,047,000 |
| Reconciled Depreciation | $18,353,000 | $12,020,000 | $4,862,000 | $3,302,000 |
| EBITDA (Bullshit earnings) | $63,085,000 | $44,330,000 | $31,127,000 | $27,047,000 |
| EBIT | $44,732,000 | $32,310,000 | $26,265,000 | $23,745,000 |
| Diluted Average Shares | $15,100,190 | $14,982,409 | $13,161,873 | $13,161,874 |
| Basic Average Shares | $14,914,346 | $14,772,115 | $13,161,873 | $13,161,874 |
| Diluted NI Availto Com Stockholders | $7,963,000 | $2,745,000 | $0 | $0 |
| Minority Interests | $-33,203,000 | $-25,847,000 | $-26,096,000 | $-20,614,000 |
| Tax Provision | $3,279,000 | $1,495,000 | $0 | $0 |
| Selling General And Administration | $22,020,000 | $16,665,000 | $10,973,000 | $9,705,000 |
| Other Gand A | $22,020,000 | $16,665,000 | $10,973,000 | $9,705,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $-55,250,000 | $906,000 | $-5,385,000 | $36,430,000 |
| Total Assets | $372,335,000 | $323,428,000 | $115,437,000 | $114,153,000 |
| Total Non Current Assets | $146,817,000 | $81,580,000 | $40,329,000 | $25,438,000 |
| Other Non Current Assets | $689,000 | $610,000 | $837,000 | $1,161,000 |
| Goodwill And Other Intangible Assets | $138,632,000 | $72,978,000 | $36,436,000 | $21,356,000 |
| Other Intangible Assets | $138,632,000 | $72,978,000 | $36,436,000 | $21,356,000 |
| Current Assets | $225,518,000 | $241,848,000 | $75,108,000 | $88,715,000 |
| Other Current Assets | $12,827,000 | $1,619,000 | $1,551,000 | $1,079,000 |
| Restricted Cash | $11,974,000 | $9,551,000 | $7,171,000 | $7,932,000 |
| Receivables | $44,791,000 | $34,906,000 | $25,064,000 | $20,641,000 |
| Accounts Receivable | $44,791,000 | $34,906,000 | $25,064,000 | $20,641,000 |
| Cash Cash Equivalents And Short Term Investments | $155,926,000 | $195,772,000 | $39,297,000 | $22,330,000 |
| Cash And Cash Equivalents | $155,926,000 | $195,772,000 | $39,297,000 | $22,330,000 |
| Current Deferred Assets | - | $0 | $2,025,000 | $0 |
| Assets Held For Sale Current | - | - | $0 | $36,733,000 |
| Debt | ||||
| Total Debt | $8,224,000 | $10,304,000 | $51,756,000 | $13,308,000 |
| Long Term Debt And Capital Lease Obligation | $4,932,000 | $7,379,000 | $48,437,000 | $10,036,000 |
| Long Term Debt | $2,035,000 | $4,007,000 | $46,919,000 | $8,356,000 |
| Current Debt And Capital Lease Obligation | $3,292,000 | $2,925,000 | $3,319,000 | $3,272,000 |
| Current Debt | $1,972,000 | $1,912,000 | $2,437,000 | $2,643,000 |
| Other Current Borrowings | $1,972,000 | $1,912,000 | $2,437,000 | $2,643,000 |
| Net Debt | - | - | $10,059,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $55,685,000 | $48,142,000 | $84,386,000 | $56,367,000 |
| Total Non Current Liabilities Net Minority Interest | $11,601,000 | $8,525,000 | $49,474,000 | $10,036,000 |
| Tradeand Other Payables Non Current | $6,669,000 | $1,122,000 | $1,037,000 | $0 |
| Current Liabilities | $44,084,000 | $39,617,000 | $34,912,000 | $46,331,000 |
| Other Current Liabilities | $18,126,000 | $14,685,000 | $11,044,000 | $33,345,000 |
| Payables And Accrued Expenses | $22,666,000 | $22,007,000 | $20,549,000 | $9,714,000 |
| Payables | $19,295,000 | $19,177,000 | $19,422,000 | $9,714,000 |
| Other Payable | $1,505,000 | $601,000 | $5,369,000 | - |
| Total Tax Payable | $1,051,000 | $1,495,000 | $0 | - |
| Income Tax Payable | $1,051,000 | $1,495,000 | $0 | - |
| Accounts Payable | $16,739,000 | $17,081,000 | $14,053,000 | $9,714,000 |
| Other Non Current Liabilities | - | $24,000 | - | - |
| Equity | ||||
| Common Stock Equity | $83,382,000 | $73,884,000 | $31,051,000 | $57,786,000 |
| Total Equity Gross Minority Interest | $316,650,000 | $275,286,000 | $31,051,000 | $57,786,000 |
| Stockholders Equity | $83,382,000 | $73,884,000 | $31,051,000 | $57,786,000 |
| Gains Losses Not Affecting Retained Earnings | $30,000 | $83,000 | $500,000 | $-140,000 |
| Other Equity Adjustments | $30,000 | $83,000 | $500,000 | $-140,000 |
| Retained Earnings | $23,251,000 | $15,288,000 | $4,805,000 | $32,180,000 |
| Other | ||||
| Ordinary Shares Number | $15,028,681 | $14,811,874 | $13,161,873 | $13,161,873 |
| Share Issued | $15,028,681 | $14,811,874 | $13,161,873 | $13,161,873 |
| Tangible Book Value | $-55,250,000 | $906,000 | $-5,385,000 | $36,430,000 |
| Invested Capital | $87,389,000 | $79,803,000 | $80,407,000 | $68,785,000 |
| Working Capital | $181,434,000 | $202,231,000 | $40,196,000 | $42,384,000 |
| Capital Lease Obligations | $4,217,000 | $4,385,000 | $2,400,000 | $2,309,000 |
| Total Capitalization | $85,417,000 | $77,891,000 | $77,970,000 | $66,142,000 |
| Minority Interest | $233,268,000 | $201,402,000 | $0 | - |
| Additional Paid In Capital | $59,951,000 | $58,365,000 | $25,114,000 | $25,114,000 |
| Capital Stock | $150,000 | $148,000 | $632,000 | $632,000 |
| Common Stock | $150,000 | $148,000 | $632,000 | $632,000 |
| Long Term Capital Lease Obligation | $2,897,000 | $3,372,000 | $1,518,000 | $1,680,000 |
| Current Capital Lease Obligation | $1,320,000 | $1,013,000 | $882,000 | $629,000 |
| Current Accrued Expenses | $3,371,000 | $2,830,000 | $1,127,000 | - |
| Net PPE | $7,496,000 | $7,992,000 | $3,056,000 | $2,921,000 |
| Gross PPE | $7,496,000 | $7,992,000 | $3,056,000 | $2,921,000 |
| Other Properties | $7,496,000 | $7,992,000 | $3,056,000 | $2,921,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-8,767,000 | $15,424,000 | $14,507,000 | $13,476,000 |
| Operating Activities | ||||
| Operating Cash Flow | $53,501,000 | $40,479,000 | $30,154,000 | $25,755,000 |
| Cash From Discontinued Operating Activities | $0 | $0 | $839,000 | $3,661,000 |
| Cash Flow From Continuing Operating Activities | $53,501,000 | $40,479,000 | $29,315,000 | $22,094,000 |
| Operating Gains Losses | $-1,119,000 | - | $-84,000 | $-890,000 |
| Investing Activities | ||||
| Capital Expenditure | $-62,268,000 | $-25,055,000 | $-15,647,000 | $-12,279,000 |
| Investing Cash Flow | $-70,378,000 | $-25,055,000 | $-14,655,000 | $-14,504,000 |
| Cash From Discontinued Investing Activities | $0 | $0 | $64,000 | $422,000 |
| Cash Flow From Continuing Investing Activities | $-70,378,000 | $-25,055,000 | $-14,719,000 | $-14,926,000 |
| Net Other Investing Changes | - | - | - | $-5,088,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $0 | $193,552,000 | $0 | $0 |
| Financing Cash Flow | $-20,546,000 | $143,431,000 | $-9,695,000 | $-15,264,000 |
| Cash From Discontinued Financing Activities | $0 | $0 | $-11,305,000 | $5,000,000 |
| Cash Flow From Continuing Financing Activities | $-20,546,000 | $143,431,000 | $1,610,000 | $-20,264,000 |
| Net Other Financing Charges | $-2,772,000 | $2,623,000 | $-3,341,000 | $2,850,000 |
| Cash Dividends Paid | $-15,862,000 | $-9,307,000 | $-33,406,000 | $-20,558,000 |
| Net Common Stock Issuance | $0 | $193,552,000 | $0 | $0 |
| Common Stock Issuance | $0 | $193,552,000 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-1,912,000 | $-43,437,000 | $-2,643,000 | $-2,556,000 |
| Issuance Of Debt | $0 | $0 | $41,000,000 | $0 |
| Interest Paid Supplemental Data | $194,000 | $2,298,000 | $832,000 | $404,000 |
| Income Tax Paid Supplemental Data | $3,268,000 | $0 | $0 | - |
| End Cash Position | $167,900,000 | $205,323,000 | $46,468,000 | $40,664,000 |
| Beginning Cash Position | $205,323,000 | $46,468,000 | $40,664,000 | $44,677,000 |
| Changes In Cash | $-37,423,000 | $158,855,000 | $5,804,000 | $-4,013,000 |
| Net Issuance Payments Of Debt | $-1,912,000 | $-43,437,000 | $38,357,000 | $-2,556,000 |
| Net Long Term Debt Issuance | $-1,912,000 | $-43,437,000 | $38,357,000 | $-2,556,000 |
| Long Term Debt Payments | $-1,912,000 | $-43,437,000 | $-2,643,000 | $-2,556,000 |
| Long Term Debt Issuance | $0 | $0 | $41,000,000 | $0 |
| Net Investment Purchase And Sale | $-10,000,000 | $0 | $0 | - |
| Net Business Purchase And Sale | $1,841,000 | $0 | $928,000 | - |
| Sale Of Business | $1,841,000 | $0 | $928,000 | - |
| Net Intangibles Purchase And Sale | $-61,912,000 | $-21,854,000 | $-15,387,000 | $-9,763,000 |
| Purchase Of Intangibles | $-61,912,000 | $-21,854,000 | $-15,387,000 | $-12,164,000 |
| Net PPE Purchase And Sale | $-307,000 | $-3,201,000 | $-260,000 | $-75,000 |
| Sale Of PPE | $49,000 | $0 | $0 | $40,000 |
| Purchase Of PPE | $-356,000 | $-3,201,000 | $-260,000 | $-115,000 |
| Change In Working Capital | $-10,821,000 | $-3,402,000 | $-1,441,000 | $-4,236,000 |
| Change In Other Current Liabilities | $-776,000 | $5,004,000 | $408,000 | $-826,000 |
| Change In Other Current Assets | $-1,480,000 | $12,000 | $-362,000 | $40,000 |
| Change In Payables And Accrued Expense | $1,320,000 | $1,360,000 | $2,984,000 | $4,939,000 |
| Change In Payable | $1,320,000 | $1,360,000 | $2,984,000 | $4,939,000 |
| Change In Account Payable | $1,320,000 | $1,360,000 | $2,984,000 | $4,939,000 |
| Change In Receivables | $-9,885,000 | $-9,778,000 | $-4,471,000 | $-8,389,000 |
| Changes In Account Receivables | $-9,885,000 | $-9,778,000 | $-4,471,000 | $-8,389,000 |
| Other Non Cash Items | $1,344,000 | $1,050,000 | $716,000 | $571,000 |
| Stock Based Compensation | $4,578,000 | $2,219,000 | $0 | $0 |
| Depreciation Amortization Depletion | $18,353,000 | $12,020,000 | $4,862,000 | $3,302,000 |
| Depreciation And Amortization | $18,353,000 | $12,020,000 | $4,862,000 | $3,302,000 |
| Gain Loss On Sale Of PPE | $-1,119,000 | $0 | $-84,000 | $-890,000 |
| Net Income From Continuing Operations | $41,166,000 | $28,592,000 | $25,262,000 | $23,347,000 |
| Sale Of Intangibles | - | $0 | $928,000 | $2,401,000 |
Fetched: 2026-06-17