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TWFG, Inc. (TWFG)

Financial Services | Insurance Brokers | The Woodlands, United States | NasdaqGS
24.87 USD +0.76 (3.152%) ⇧ (Oct. 15, 2026, 11:42 a.m. EDT)

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:☆☆☆☆☆
Hot Take ↕ | Oct. 10, 2026, 10:51 a.m. EDT

The immediate outlook is neutral due to conflicting signals: while the stock recently rallied off its lows, the statistical forecast model predicts a slight downside drift over the next 45 days, though this prediction carries very low confidence. Fundamentally, the company shows strong top-line momentum with revenue growing 45% and earnings up 38%, supported by healthy operating margins of 20%. However, the balance sheet is strained by significant free cash flow burn (-$32M), which limits the ability to fund aggressive expansion without external capital. Valuation remains stretched at nearly 42x trailing earnings, suggesting the market has priced in much of this growth. Crucially, there is no dividend income to offset the capital risks, making this a pure equity play dependent on continued execution.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.051004
AutoETS0.053098
AutoARIMA0.053288
MSTL0.054213

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 40%
H-stat 7.24
Ljung-Box p 0.000
Jarque-Bera p 0.697
Excess Kurtosis -0.48
Attribute Value
Sector Financial Services
Debt to Equity Ratio 2.949
Revenue per Share 20.373
Market Cap 320,333,888
Trailing P/E 42.15
Forward P/E 21.02
Beta 0.28
Profit Margins 2.98%
Website https://www.twfg.com

Info Dump

Attribute Value
52 Week Change -0.06296152
Address1 10,055 Grogans Mill Rd.
Address2 Suite 500
All Time High 36.85
All Time Low 16.56
Ask 24.98
Ask Size 1
Average Analyst Rating 1.9 - Buy
Average Daily Volume10 Day 103,930
Average Daily Volume3 Month 156,460
Average Volume 156,460
Average Volume10Days 103,930
Beta 0.278
Bid 24.87
Bid Size 2
Book Value 3.606
City The Woodlands
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 24.87
Current Ratio 2.562
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 25.055
Day Low 24.49
Debt To Equity 2.949
Display Name TWFG
Dividend Yield 0.0
Earnings Call Timestamp End 1,786,032,000
Earnings Call Timestamp Start 1,786,032,000
Earnings Growth 0.381
Earnings Quarterly Growth 0.212
Earnings Timestamp 1,785,960,000
Earnings Timestamp End 1,794,427,200
Earnings Timestamp Start 1,794,427,200
Ebitda 77,438,000
Ebitda Margins 0.26274002
Enterprise To Ebitda 6.278
Enterprise To Revenue 1.649
Enterprise Value 486,142,816
Eps Current Year 1.16017
Eps Forward 1.18314
Eps Trailing Twelve Months 0.59
Esg Populated 0
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 281 298 8626
Fifty Day Average 26.8867
Fifty Day Average Change -2.0166988
Fifty Day Average Change Percent -0.075007305
Fifty Two Week Change Percent -6.296152
Fifty Two Week High 31.3
Fifty Two Week High Change -6.4299984
Fifty Two Week High Change Percent -0.20543127
Fifty Two Week Low 16.56
Fifty Two Week Low Change 8.310001
Fifty Two Week Low Change Percent 0.5018117
Fifty Two Week Range 16.56 - 31.3
Financial Currency USD
First Trade Date Milliseconds 1,721,309,400,000
Float Shares 11,195,070
Forward Eps 1.18314
Forward P E 21.020336
Free Cashflow -32,682,624
Full Exchange Name NasdaqGS
Full Time Employees 400
Fullday Change 0.7600002
Fullday Change Percent 3.1522198
Fullday Price 24.87
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.85876
Gross Profits 253,104,000
Has Pre Post Market Data 1
Held Percent Insiders 0.15896
Held Percent Institutions 0.71496004
Implied Shares Outstanding 12,880,333
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 320,333,888
Market State REGULAR
Max Age 86,400
Message Board Id finmb_573267548
Most Recent Quarter 1,782,777,600
Net Income To Common 8,796,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 319,561,061
Number Of Analyst Opinions 7
Open 24.51
Operating Cashflow 60,778,000
Operating Margins 0.20097
Payout Ratio 0.0
Phone 281 367 3424
Previous Close 24.11
Price Eps Current Year 21.436516
Price Hint 2
Price To Book 6.896839
Price To Sales Trailing12 Months 1.0868614
Profit Margins 0.02984
Quick Ratio 2.025
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.875
Region US
Regular Market Change 0.7600002
Regular Market Change Percent 3.1522198
Regular Market Day High 25.055
Regular Market Day Low 24.49
Regular Market Day Range 24.49 - 25.055
Regular Market Open 24.51
Regular Market Previous Close 24.11
Regular Market Price 24.87
Regular Market Time 1,792,078,962
Regular Market Volume 108,723
Return On Assets 0.09596
Return On Equity 0.19319999
Revenue Growth 0.451
Revenue Per Share 20.373
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 12,880,333
Shares Percent Shares Out 0.0648
Shares Short 834,677
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 607,289
Short Name TWFG, Inc.
Short Percent Of Float 0.1043
Short Ratio 4.71
Source Interval 15
State TX
Symbol TWFG
Target High Price 34.0
Target Low Price 26.0
Target Mean Price 30.57143
Target Median Price 31.0
Total Cash 73,745,000
Total Cash Per Share 5.725
Total Debt 8,465,000
Total Revenue 294,732,992
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.59
Trailing P E 42.152546
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 23.167225
Two Hundred Day Average Change 1.702776
Two Hundred Day Average Change Percent 0.07349935
Type Disp Equity
Volume 108,723
Website https://www.twfg.com
Zip 77,380