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TWFG, Inc. (TWFG)

Financial Services | Insurance Brokers | The Woodlands, United States | NasdaqGS
20.00 USD +0.25 (1.266%) ⇧ (April 21, 2026, 4 p.m. EDT)

Short-term:★★★☆☆Long-term:★★★★☆Dividends:★★☆☆☆
Hot Take | April 18, 2026, 10:35 p.m. EDT

TWFG presents a compelling long-term asymmetric opportunity with strong revenue growth (35.8%) and an attractive forward P/E (~17.7x), but faces significant near-term headwinds; the stock is trading down 27% from its 52-week high and below its 50-day moving average, while negative free cash flow and high excess kurtosis in forecasting models suggest elevated volatility and low short-term directional confidence.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.250024
AutoTheta0.250300
AutoARIMA0.251103
AutoETS0.251116

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 43%
H-stat 1.88
Ljung-Box p 0.000
Jarque-Bera p 0.006
Excess Kurtosis 0.27
Attribute Value
Sector Financial Services
Debt to Equity Ratio 4.891
Revenue per Share 16.663
Market Cap 300,573,632
Trailing P/E 37.74
Forward P/E 18.89
Profit Margins 3.20%
Website https://www.twfg.com

Info Dump

Attribute Value
52 Week Change -0.40065926
Address1 10,055 Grogans Mill Rd.
Address2 Suite 500
All Time High 36.85
All Time Low 16.56
Ask 25.31
Ask Size 1
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 287,320
Average Daily Volume3 Month 266,544
Average Volume 266,544
Average Volume10Days 287,320
Bid 14.25
Bid Size 2
Book Value 5.548
City The Woodlands
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 20.0
Current Ratio 5.116
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 20.2
Day Low 19.695
Debt To Equity 4.891
Display Name TWFG
Earnings Call Timestamp End 1,778,187,600
Earnings Call Timestamp Start 1,778,187,600
Earnings Growth -0.5
Earnings Quarterly Growth 0.852
Earnings Timestamp 1,778,184,000
Earnings Timestamp End 1,778,184,000
Earnings Timestamp Start 1,778,184,000
Ebitda 54,634,000
Ebitda Margins 0.21983999
Enterprise To Ebitda 7.201
Enterprise To Revenue 1.583
Enterprise Value 393,401,632
Eps Current Year 0.92721
Eps Forward 1.05857
Eps Trailing Twelve Months 0.53
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 19.0719
Fifty Day Average Change 0.9281006
Fifty Day Average Change Percent 0.048663247
Fifty Two Week Change Percent -40.065926
Fifty Two Week High 36.85
Fifty Two Week High Change -16.849998
Fifty Two Week High Change Percent -0.45725915
Fifty Two Week Low 16.56
Fifty Two Week Low Change 3.4400005
Fifty Two Week Low Change Percent 0.2077295
Fifty Two Week Range 16.56 - 36.85
Financial Currency USD
First Trade Date Milliseconds 1,721,309,400,000
Float Shares 13,451,271
Forward Eps 1.05857
Forward P E 18.893412
Free Cashflow -35,808,752
Full Exchange Name NasdaqGS
Full Time Employees 400
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.84855
Gross Profits 210,876,000
Has Pre Post Market Data 1
Held Percent Insiders 0.13668
Held Percent Institutions 0.86197
Implied Shares Outstanding 15,028,681
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 300,573,632
Market State PRE
Max Age 86,400
Message Board Id finmb_573267548
Most Recent Quarter 1,767,139,200
Net Income To Common 7,963,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 285,688,371
Number Of Analyst Opinions 7
Open 19.78
Operating Cashflow 53,501,000
Operating Margins 0.21148
Payout Ratio 0.0
Phone 281 367 3424
Previous Close 19.75
Price Eps Current Year 21.570087
Price Hint 2
Price To Book 3.6049027
Price To Sales Trailing12 Months 1.2094934
Profit Margins 0.03204
Quick Ratio 4.553
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.25
Regular Market Change Percent 1.26582
Regular Market Day High 20.2
Regular Market Day Low 19.695
Regular Market Day Range 19.695 - 20.2
Regular Market Open 19.78
Regular Market Previous Close 19.75
Regular Market Price 20.0
Regular Market Time 1,776,801,600
Regular Market Volume 164,067
Return On Assets 0.06645
Return On Equity 0.13909
Revenue Growth 0.358
Revenue Per Share 16.663
Sand P52 Week Change 0.3140242
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 14,206,284
Shares Percent Shares Out 0.043
Shares Short 610,181
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 478,394
Short Name TWFG, Inc.
Short Percent Of Float 0.0654
Short Ratio 2.06
Source Interval 15
State TX
Symbol TWFG
Target High Price 31.0
Target Low Price 24.0
Target Mean Price 25.71429
Target Median Price 25.0
Total Cash 155,926,000
Total Cash Per Share 10.375
Total Debt 15,486,000
Total Revenue 248,512,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.53
Trailing P E 37.73585
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 25.480675
Two Hundred Day Average Change -5.4806747
Two Hundred Day Average Change Percent -0.21509142
Type Disp Equity
Volume 164,067
Website https://www.twfg.com
Zip 77,380