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TWFG, Inc. (TWFG)

Financial Services | Insurance Brokers | The Woodlands, United States | NasdaqGS
26.12 USD +0.17 (0.655%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★☆☆☆
Hot Take | July 11, 2026, 2:55 a.m. EDT

The stock is currently exhibiting strong short-term momentum, having surged nearly 49% over the last year and trading significantly above its 200-day average. This rally is fueled by robust fundamentals, including 35% revenue growth, 32% earnings expansion, and a massive 5.8% institutional stake by T. Rowe Price, which suggests smart money is accumulating ahead of the upcoming earnings report. However, the valuation remains stretched with a trailing P/E of 46x, implying the market is pricing in perfection rather than just growth. While the business quality appears solid with healthy margins and a fortress-like balance sheet relative to debt, the lack of a dividend and the high entry point suggest this is a speculative growth play rather than a core holding. The statistical forecast model offers no directional bias, highlighting the uncertainty in the immediate term despite the bullish trend.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.073614
AutoETS0.075151
AutoARIMA0.075151
AutoTheta0.076010

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 36%
H-stat 9.08
Ljung-Box p 0.000
Jarque-Bera p 0.020
Excess Kurtosis 0.12
Attribute Value
Sector Financial Services
Debt to Equity Ratio 2.784
Revenue per Share 17.966
Market Cap 339,484,576
Trailing P/E 46.64
Forward P/E 23.35
Profit Margins 3.13%
Website https://www.twfg.com

Info Dump

Attribute Value
52 Week Change -0.21244311
Address1 10,055 Grogans Mill Rd.
Address2 Suite 500
All Time High 36.85
All Time Low 16.56
Ask 33.56
Ask Size 2
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 118,150
Average Daily Volume3 Month 236,263
Average Volume 236,263
Average Volume10Days 118,150
Bid 18.89
Bid Size 2
Book Value 4.88
City The Woodlands
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 26.12
Current Ratio 3.421
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 26.74
Day Low 25.55
Debt To Equity 2.784
Display Name TWFG
Earnings Call Timestamp End 1,778,187,600
Earnings Call Timestamp Start 1,778,187,600
Earnings Growth 0.323
Earnings Quarterly Growth 0.313
Earnings Timestamp 1,778,184,000
Earnings Timestamp End 1,778,184,000
Earnings Timestamp Start 1,778,184,000
Ebitda 64,061,000
Ebitda Margins 0.23945
Enterprise To Ebitda 7.187
Enterprise To Revenue 1.721
Enterprise Value 460,420,576
Eps Current Year 1.01648
Eps Forward 1.11851
Eps Trailing Twelve Months 0.56
Esg Populated 0
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 281 298 8626
Fifty Day Average 20.7513
Fifty Day Average Change 5.3687
Fifty Day Average Change Percent 0.25871632
Fifty Two Week Change Percent -21.244312
Fifty Two Week High 34.09
Fifty Two Week High Change -7.9699993
Fifty Two Week High Change Percent -0.23379289
Fifty Two Week Low 16.56
Fifty Two Week Low Change 9.560001
Fifty Two Week Low Change Percent 0.57729477
Fifty Two Week Range 16.56 - 34.09
Financial Currency USD
First Trade Date Milliseconds 1,721,309,400,000
Float Shares 11,331,142
Forward Eps 1.11851
Forward P E 23.352497
Free Cashflow -42,008,500
Full Exchange Name NasdaqGS
Full Time Employees 400
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.85295
Gross Profits 228,188,992
Has Pre Post Market Data 1
Held Percent Insiders 0.14829999
Held Percent Institutions 0.75359
Implied Shares Outstanding 12,997,112
Industry Insurance Brokers
Industry Disp Insurance Brokers
Industry Key insurance-brokers
Ipo Expected Date 2,024-07-18
Is Earnings Date Estimate 0
Language en-US
Last Fiscal Year End 1,767,139,200
Long Business Summary 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.
Long Name TWFG, Inc.
Market us_market
Market Cap 339,484,576
Market State PRE
Max Age 86,400
Message Board Id finmb_573267548
Most Recent Quarter 1,774,915,200
Net Income To Common 8,382,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 340,134,421
Number Of Analyst Opinions 7
Open 25.63
Operating Cashflow 60,575,000
Operating Margins 0.16956
Payout Ratio 0.0
Phone 281 367 3424
Previous Close 25.95
Price Eps Current Year 25.696524
Price Hint 2
Price To Book 5.352459
Price To Sales Trailing12 Months 1.2689589
Profit Margins 0.03133
Quick Ratio 2.877
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.17
Regular Market Change Percent 0.655106
Regular Market Day High 26.74
Regular Market Day Low 25.55
Regular Market Day Range 25.55 - 26.74
Regular Market Open 25.63
Regular Market Previous Close 25.95
Regular Market Price 26.12
Regular Market Time 1,783,972,801
Regular Market Volume 93,064
Return On Assets 0.07768
Return On Equity 0.16160999
Revenue Growth 0.353
Revenue Per Share 17.966
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 12,997,112
Shares Percent Shares Out 0.0356
Shares Short 462,062
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 492,789
Short Name TWFG, Inc.
Short Percent Of Float 0.056900002
Short Ratio 1.82
Source Interval 15
State TX
Symbol TWFG
Target High Price 30.0
Target Low Price 22.0
Target Mean Price 26.57143
Target Median Price 27.0
Total Cash 124,845,000
Total Cash Per Share 9.606
Total Debt 8,530,000
Total Revenue 267,530,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.56
Trailing P E 46.642857
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 23.249624
Two Hundred Day Average Change 2.8703766
Two Hundred Day Average Change Percent 0.123459056
Type Disp Equity
Volume 93,064
Website https://www.twfg.com
Zip 77,380