TWFG TWFG, Inc. - Common Stock
NASDAQ · Insurance · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$24.61
· of 52w range
· above low
· to high
$16.6852w low
$31.3052w high
P/E
54.3
EPS
$0.53
Revenue
$249M
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52W Range
$17–$31
Analyst Rating
BUY
Price Target
$31
P/E
54.3
ROE
·
Net Profit Margin
·
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TWFG Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$24.61
P/E
54.3
EPS
$0.53
Revenue
$249M
Debt/Equity (MRQ)
0.1
52W Range
$17–$31
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$249M2022-12-31 → 2025-12-31
EPS$0.532024-12-31 → 2025-12-31
Free Cash Flow$53M2024-12-31 → 2025-12-31
Net margin·2024-12-31 → 2024-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | TWFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 54.3 | · | 30.1 | Overvalued | |
| Price / Tangible Book | 0.0 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | TWFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Operating Margin (TTM) | 18.3% | · | 19.7% | In line | |
| EBITDA Margin (TTM) | 26.5% | · | 15.0% | Top tier | |
| Pretax Margin (TTM) | 20.3% | · | 4.7% | Top tier | |
| ROIC | 39.2% | · | 13.1% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | TWFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.1 | · | 0.8 | Low debt | |
| Current Ratio (MRQ) | 2.6 | · | 1.7 | Strong liquidity | |
| Quick Ratio | 3.7 | · | 0.5 | Strong liquidity | |
| Long-Term Debt / Equity (MRQ) | 0.0 | · | 0.9 | Low debt |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | TWFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 22.0%5Y avg ≈17.4% | ≈17.4% | · | · | |
| Revenue CAGR 3Y | 17.3% | · | · | · | |
| EPS YoY | 179.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | TWFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.7 | · | 0.6 | Top tier | |
| Receivables Turnover | 32.5 | · | 21.9 | Top tier | |
| Revenue / Employee | ≈$621.3K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
30.5%
Next Report
Nov 10, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 10, 2026 | $0.38 | $0.26 | 44.0% |
| March 31, 2026 | May 9, 2026 | $0.29 | $0.20 | 42.2% |
| Dec. 31, 2025 | $0.30 | $0.19 | 58.4% | |
| Sept. 30, 2025 | $0.23 | $0.19 | 20.5% | |
| June 30, 2025 | $0.20 | $0.18 | 14.2% | |
| March 31, 2025 | $0.16 | $0.15 | 3.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $249M | $204M | $172M | |
| Operating Expenses | $212M | $176M | $147M | |
| Operating Income | $37M | $28M | $25M | |
| Other Non-op | $1M | $9.0K | $-17.0K | |
| Pretax Income | $44M | $30M | $25M | |
| Income Tax | $3M | $1M | $0 | |
| Net Income | · | $3M | $0 | |
| EPS (Basic) | $0.53 | $0.19 | · | |
| EPS (Diluted) | $0.53 | $0.19 | · | |
| Shares (Basic) | 14,914,346 | 14,772,115 | · | |
| Shares (Diluted) | 15,100,190 | 14,982,409 | · | |
| EBITDA | $55M | $40M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Cash & Equivalents | $156M | $196M | $39M | |
| Receivables | $7M | $8M | $6M | |
| Other Current Assets | $13M | $2M | $2M | |
| Current Assets | $226M | $242M | $75M | |
| PP&E (Net) | $3M | $3M | $597.0K | |
| Intangibles | $139M | $73M | $36M | |
| Other Non-current Assets | $689.0K | $610.0K | $837.0K | |
| Total Assets | $372M | $323M | $115M | |
| Accounts Payable | $2M | $3M | $2M | |
| Short-term Debt | · | $2M | $2M | |
| Current Liabilities | $44M | $40M | $35M | |
| Capital Leases | $3M | $3M | $2M | |
| Other Non-current Liabilities | $0 | $24.0K | $0 | |
| Total Liabilities | $56M | $48M | $84M | |
| Long-term Debt | $4M | $8M | $51M | |
| Total Debt | $4M | $10M | · | |
| Paid-in Capital | $60M | $58M | $25M | |
| Retained Earnings | $23M | $15M | $5M | |
| AOCI | $30.0K | $83.0K | $500.0K | |
| Stockholders' Equity | $83M | $74M | $31M | |
| Liabilities + Equity | $372M | $323M | $115M | |
| Shares Outstanding | · | 0 | 631,750 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| D&A | $18M | $12M | $5M | |
| Stock-based Comp | $5M | $2M | $0 | |
| Deferred Tax | $0 | $0 | · | |
| Amort. of Intangibles | $18M | $12M | $5M | |
| Other Non-cash | · | $23M | · | |
| Operating Cash Flow | $54M | $40M | $30M | |
| CapEx | $356.0K | $3M | $260.0K | |
| Investing Cash Flow | $-70M | $-25M | $-15M | |
| Financing Cash Flow | $-21M | $143M | $-10M | |
| Net Change in Cash | $-37M | $159M | $6M | |
| Taxes Paid | $3M | $0 | $0 | |
| Free Cash Flow | $53M | $37M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Operating Margin | 14.9% | 13.7% | · | |
| Net Margin | · | 1.4% | · | |
| Pretax Margin | 17.9% | 14.8% | · | |
| EBITDA Margin | 22.3% | 19.6% | · | |
| ROA | · | 1.2% | · | |
| ROE | · | 5.2% | · | |
| ROIC | 39.2% | 31.8% | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Current Ratio | 5.1 | 6.1 | · | |
| Quick Ratio | 3.7 | 5.1 | · | |
| Debt / Equity | 0.0 | 0.1 | · | |
| LT Debt / Equity | 0.0 | 0.1 | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Asset Turnover | 0.7 | 0.9 | · | |
| Receivables Turnover | 32.5 | 29.5 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue / Share | $16.46 | $13.60 | · | |
| Cash Flow / Share | $3.54 | $2.70 | · | |
| EPS (TTM) | $0.53 | $0.19 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue YoY | 22.0% | 18.4% | 11.8% | |
| Revenue CAGR 3Y | 17.3% | · | · | |
| EPS YoY | 179.0% | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue TTM | $249M | $204M | · | |
| Net Income TTM | $13M | $3M | · | |
| Market Cap | · | $0 | · | |
| Enterprise Value | · | $-186M | · | |
| P/E | 54.3 | 162.1 | · | |
| P/S | · | 0.0 | · | |
| P / Tangible Book | · | 0.0 | · | |
| P / Cash Flow | · | 0.0 | · | |
| P / FCF | · | 0.0 | · | |
| EV / EBITDA | · | -4.7 | · | |
| EV / FCF | · | -5.0 | · | |
| EV / Revenue | · | -0.9 | · | |
| Earnings Yield | 1.8% | 0.62% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $88M | $73M | $70M | $64M | $60M | $54M | $52M | $53M | $53M | $46M | $39M | $48M | $45M | |
| Operating Expenses | $70M | $60M | $55M | $55M | $53M | $48M | $45M | $47M | $45M | $39M | $34M | $40M | $38M | |
| Operating Income | $18M | $12M | $15M | $9M | $7M | $6M | $7M | $6M | $8M | $7M | $5M | $8M | $7M | |
| Other Non-op | $-7.0K | $709.0K | $508.0K | $59.0K | $574.0K | $-1.0K | $1.0K | $-4.0K | $14.0K | $-2.0K | $-7.0K | $1.0K | $0 | |
| Pretax Income | $18M | $14M | $17M | $11M | $10M | $8M | $9M | $7M | $7M | $7M | $5M | $8M | · | |
| Income Tax | $1M | $1M | $1M | $977.0K | $620.0K | $656.0K | $1M | $437.0K | $0 | $0 | $0 | $0 | · | |
| Net Income | $2M | $2M | · | $2M | $2M | $1M | $2M | $1M | $0 | $0 | $-21M | $8M | $7M | |
| EPS (Basic) | $0.18 | $0.12 | $0.20 | $0.11 | $0.13 | $0.09 | $0.11 | $0.08 | $10.49 | · | · | · | $11.19 | |
| EPS (Diluted) | $0.18 | $0.12 | $0.20 | $0.11 | $0.13 | $0.09 | $0.11 | $0.08 | $10.49 | · | · | · | $11.19 | |
| Shares (Basic) | 13,096,390 | 14,794,482 | · | 15,005,426 | 14,904,083 | 14,889,739 | · | 14,722,685 | 659,439 | · | · | · | 631,750 | |
| Shares (Diluted) | 13,096,390 | 14,897,288 | · | 15,100,655 | 56,278,869 | 15,055,553 | · | 14,890,382 | 659,439 | · | · | · | 631,750 | |
| EBITDA | $18M | $19M | · | $9M | $7M | $9M | · | $8M | $8M | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $74M | $125M | $156M | $151M | $160M | $196M | $196M | $191M | $26M | · | $39M | · | · | |
| Receivables | $14M | $8M | $7M | $8M | $9M | $8M | $8M | $9M | $10M | · | · | · | · | |
| Other Current Assets | $17M | $13M | $13M | $13M | $3M | $2M | $2M | $2M | $911.0K | · | · | · | · | |
| Current Assets | $171M | $201M | $226M | $211M | $209M | $241M | $242M | $234M | $75M | · | · | · | · | |
| PP&E (Net) | $4M | $3M | $3M | $3M | $3M | $3M | $3M | $682.0K | $514.0K | · | · | · | · | |
| Intangibles | $179M | $162M | $139M | $129M | $126M | $81M | $73M | $75M | $78M | · | · | · | · | |
| Other Non-current Assets | $635.0K | $664.0K | $689.0K | $734.0K | $779.0K | $535.0K | $610.0K | $635.0K | $801.0K | · | · | · | · | |
| Total Assets | $358M | $371M | $372M | $349M | $343M | $331M | $323M | $313M | $157M | · | · | · | · | |
| Accounts Payable | $5M | $2M | $2M | $2M | $2M | $653.0K | $3M | $768.0K | · | · | · | · | · | |
| Short-term Debt | · | · | · | $2M | $2M | $2M | · | $2M | $2M | · | · | · | · | |
| Current Liabilities | $67M | $59M | $44M | $45M | $45M | $43M | $40M | $38M | $41M | · | · | · | · | |
| Capital Leases | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $1M | $2M | · | · | · | · | |
| Other Non-current Liabilities | · | · | $0 | $0 | $0 | $0 | $24.0K | · | · | · | · | · | · | |
| Total Liabilities | $71M | $65M | $56M | $53M | $54M | $50M | $48M | $45M | $90M | · | · | · | · | |
| Long-term Debt | $3M | $4M | $4M | $6M | $6M | $7M | $6M | $8M | $50M | · | · | · | · | |
| Total Debt | $3M | $4M | · | $8M | $8M | $9M | · | $10M | $52M | · | · | · | · | |
| Paid-in Capital | $19M | $44M | $60M | $59M | $60M | $58M | $58M | $57M | $55M | · | · | · | · | |
| Retained Earnings | $27M | $25M | $23M | $20M | $19M | $17M | $15M | $14M | $11M | · | · | · | · | |
| AOCI | $21.0K | $26.0K | $30.0K | $40.0K | $52.0K | $65.0K | $83.0K | $82.0K | $467.0K | · | · | · | · | |
| Stockholders' Equity | $46M | $69M | $83M | $79M | $79M | $75M | $74M | $71M | · | · | · | · | · | |
| Liabilities + Equity | $358M | $371M | $372M | $349M | $343M | $331M | $323M | $313M | $157M | · | · | · | · | |
| Shares Outstanding | · | · | · | · | · | · | 0 | 0 | 0 | · | 631,750 | · | · |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $7M | $6M | $6M | $5M | $4M | $3M | $3M | $3M | $3M | $3M | $2M | $1M | $1M | |
| Stock-based Comp | $1M | $856.0K | $872.0K | $987.0K | $2M | $1M | $1M | $1M | $0 | $0 | $0 | · | · | |
| Amort. of Intangibles | $7M | $6M | $6M | $5M | $4M | $3M | $3M | $3M | $3M | $3M | · | $1M | $1M | |
| Other Non-cash | · | $14M | · | · | · | $10M | · | · | · | · | · | · | · | |
| Operating Cash Flow | $10M | $23M | $13M | $15M | $10M | $16M | $12M | $12M | $7M | $10M | $6M | $7M | · | |
| CapEx | $505.0K | $292.0K | $228.0K | $69.0K | $44.0K | $15.0K | $3M | $233.0K | $39.0K | $8.0K | $43.0K | $163.0K | · | |
| Investing Cash Flow | $-25M | $-28M | $-7M | $-17M | $-36M | $-11M | $-3M | $-366.0K | $-242.0K | $-21M | $-9M | $-766.0K | · | |
| Stock Repurchased | $26M | $17M | · | · | $0 | $0 | · | · | · | · | · | · | · | |
| Net Stock Activity | · | $-17M | · | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-36M | $-19M | $-1M | $-6M | $-11M | $-2M | $-4M | $153M | $-2M | $-4M | $8M | $-3M | · | |
| Net Change in Cash | $-51M | $-24M | $5M | $-8M | $-37M | $3M | $4M | $164M | $5M | $-15M | $5M | $4M | · | |
| Taxes Paid | $3M | $152.0K | $684.0K | $3M | $0 | $0 | $0 | · | · | · | · | · | · | |
| Free Cash Flow | · | $22M | · | · | · | $16M | · | · | · | · | · | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 20.1% | 17.0% | · | 14.1% | 12.2% | 10.7% | · | 14.2% | 14.6% | · | · | · | · | |
| Net Margin | 2.7% | 2.4% | · | 2.7% | 3.2% | 2.5% | · | 2.1% | 13.0% | · | · | · | · | |
| Pretax Margin | 20.9% | 19.5% | · | 16.5% | 16.0% | 14.0% | · | 13.4% | · | · | · | · | · | |
| EBITDA Margin | 20.1% | 25.4% | · | 14.1% | 12.2% | 16.9% | · | 14.2% | 14.6% | · | · | · | · | |
| ROA | 0.68% | 0.50% | · | 0.52% | 0.78% | 0.81% | · | 0.74% | 8.8% | · | · | · | · | |
| ROE | 3.8% | 2.4% | · | 2.3% | 5.0% | 3.6% | · | 3.2% | · | · | · | · | · | |
| ROIC | 33.7% | 15.6% | · | 9.4% | 7.9% | 6.2% | · | 9.0% | · | · | · | · | · |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.6 | 3.4 | · | 4.7 | 4.6 | 5.6 | · | 6.1 | 1.8 | · | · | · | · | |
| Quick Ratio | 1.3 | 2.3 | · | 3.5 | 3.7 | 4.8 | · | 5.2 | 0.9 | · | · | · | · | |
| Debt / Equity | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | · | · | · | · | · | |
| LT Debt / Equity | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.1 | · | 0.1 | · | · | · | · | · |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.2 | · | 0.2 | 0.2 | 0.3 | · | 0.3 | 0.7 | · | · | · | · | |
| Receivables Turnover | 7.4 | 9.0 | · | 7.6 | 6.4 | 13.4 | · | 12.4 | 11.1 | · | · | · | · |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $6.68 | $4.89 | · | $4.25 | $1.07 | $3.58 | · | $3.67 | $80.77 | · | · | · | · | |
| Cash Flow / Share | · | $1.52 | · | · | · | $1.04 | · | · | · | · | · | · | · | |
| EPS (TTM) | $0.61 | $0.56 | · | $0.44 | $0.41 | $10.77 | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $295M | $268M | · | $230M | $219M | $211M | · | $191M | $186M | $178M | · | · | · | |
| Net Income TTM | · | · | · | $7M | $6M | $4M | · | $-20M | $-13M | $-6M | · | · | · | |
| Market Cap | · | · | · | · | · | · | · | $0 | · | · | · | · | · | |
| Enterprise Value | · | · | · | · | · | · | · | $-181M | · | · | · | · | · | |
| P/E | 39.4 | 32.8 | · | 62.4 | 85.4 | 2.9 | · | · | · | · | · | · | · | |
| P/S | · | · | · | · | · | · | · | 0.0 | · | · | · | · | · | |
| EV / Revenue | · | · | · | · | · | · | · | -0.9 | · | · | · | · | · | |
| Earnings Yield | 2.5% | 3.0% | · | 1.6% | 1.2% | 34.8% | · | · | · | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | $249M | $204M | $172M | $154M |
| Operating Margin % | 14.9% | 13.7% | · | · |
| Net Income | · | $3M | $0 | $0 |
| Diluted EPS | $0.53 | $0.19 | · | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.1 | · | · |
| Current Ratio | 5.1 | 6.1 | · | · |
| Quick Ratio | 3.7 | 5.1 | · | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $53M | $37M | · | · |
Institutional owners (13F) 84 filers · $215.0M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
84
Value held
$215.0M
New positions
11
Exited positions
14
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 11 (-19 vs prior Q) | 14 (+5 vs prior Q) | 34 (+9 vs prior Q) | 24 (+6 vs prior Q) | -1.9M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BAMCO INC /NY/ | $27,298,939 | 1,135,091 | 12.70% | Shares |
| VANGUARD GROUP INC | $18,833,734 | 654,631 | 8.76% | Shares |
| FRANKLIN RESOURCES INC | $18,804,984 | 781,912 | 8.75% | Shares |
| Giverny Capital Inc. | $15,691,471 | 652,452 | 7.30% | Shares |
| Central Securities Corp | $12,025,000 | 500,000 | 5.59% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $11,766,318 | 489,244 | 5.47% | Shares |
| MARSHALL WACE, LLP | $9,830,004 | 408,732 | 4.57% | Shares |
| TWO SIGMA INVESTMENTS, LP | $8,955,378 | 372,365 | 4.17% | Shares |
| JANE STREET GROUP, LLC | $8,494,844 | 353,216 | 3.95% | Shares |
| RIVERBRIDGE PARTNERS LLC | $8,000,427 | 332,658 | 3.72% | Shares |
| BlackRock, Inc. | $5,348,143 | 222,376 | 2.49% | Shares |
| GILDER GAGNON HOWE & CO LLC | $5,319,379 | 221,180 | 2.47% | Shares |
| Alyeska Investment Group, L.P. | $5,189,461 | 215,778 | 2.41% | Shares |
| CITADEL ADVISORS LLC | $5,160,866 | 214,589 | 2.40% | Shares |
| Ascent Group, LLC | $5,106,056 | 212,310 | 2.38% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,192,417 | 174,213 | 1.95% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,605,095 | 149,900 | 1.68% | Shares |
| Point72 Asset Management, L.P. | $3,250,093 | 135,139 | 1.51% | Shares |
| MORGAN STANLEY | $3,075,491 | 127,879 | 1.43% | Shares |
| GOLDMAN SACHS GROUP INC | $2,758,006 | 114,678 | 1.28% | Shares |
| TUDOR INVESTMENT CORP ET AL | $2,467,314 | 102,591 | 1.15% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $2,254,303 | 93,734 | 1.05% | Shares |
| Trexquant Investment LP | $2,101,249 | 87,370 | 0.98% | Shares |
| BANK OF AMERICA CORP /DE/ | $2,033,909 | 84,570 | 0.95% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,988,334 | 82,675 | 0.92% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,985,424 | 82,554 | 0.92% | Shares |
| Qube Research & Technologies Ltd | $1,646,223 | 68,450 | 0.77% | Shares |
| XTX Topco Ltd | $1,621,908 | 67,439 | 0.75% | Shares |
| STATE STREET CORP | $1,600,912 | 66,566 | 0.74% | Shares |
| Schonfeld Strategic Advisors LLC | $1,484,556 | 61,728 | 0.69% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,444,154 | 60,048 | 0.67% | Shares |
| UBS Group AG | $1,050,937 | 43,698 | 0.49% | Shares |
| Symphony Financial, Ltd. Co. | $942,436 | 39,089 | 0.44% | Shares |
| RAYMOND JAMES FINANCIAL INC | $753,968 | 31,350 | 0.35% | Shares |
| NORTHERN TRUST CORP | $748,340 | 31,116 | 0.35% | Shares |
| Quantbot Technologies LP | $686,243 | 28,534 | 0.32% | Shares |
| Dynamic Technology Lab Private Ltd | $683,000 | 28,404 | 0.32% | Shares |
| D. E. Shaw & Co., Inc. | $677,681 | 28,178 | 0.32% | Shares |
| BLALOCK WILLIAMS, LLC | $551,010 | 22,911 | 0.26% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $505,242 | 21,008 | 0.24% | Shares |
| BRASADA CAPITAL MANAGEMENT, LP | $467,027 | 19,419 | 0.22% | Shares |
| Centiva Capital, LP | $446,344 | 18,559 | 0.21% | Shares |
| ENVESTNET ASSET MANAGEMENT INC | $388,287 | 16,145 | 0.18% | Shares |
| MANGROVE PARTNERS IM, LLC | $362,939 | 15,091 | 0.17% | Shares |
| Dockside LLC | $333,141 | 13,852 | 0.15% | Shares |
| Bank of New York Mellon Corp | $326,527 | 13,577 | 0.15% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $276,407 | 11,493 | 0.13% | Shares |
| Jump Financial, LLC | $273,545 | 11,374 | 0.13% | Shares |
| Walleye Capital LLC | $261,784 | 10,885 | 0.12% | Shares |
| BARCLAYS PLC | $254,040 | 10,563 | 0.12% | Shares |
Company insiders 12 insiders · 7 officers · 5 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Janice E. Zwinggi | Chief Financial Officer | July 17, 2026 F | 57,314 | 0 | 0 | $0 |
| Katherine C Nolan | Chief Operating Officer | July 17, 2026 F | 82,049 | 0 | 0 | $0 |
| Charles Alexander Bunch | Chief Creative & Marketing Off | July 17, 2026 F | 36,523 | 0 | 0 | $0 |
| Julie E. Benes | General Counsel and Secretary | July 17, 2026 F | 37,454 | 0 | 0 | $0 |
| Andrew Vincent Mcguire | Chief Underwriting Officer | March 31, 2026 A | 4,000 | 0 | 0 | $0 |
| Gopal Mohan Babu Vijaya | Chief Technology Officer | March 31, 2026 A | 3,677 | 0 | 0 | $0 |
| Gene Padgett | Chief Accounting Officer | March 31, 2026 F | 4,805 | 0 | 0 | $0 |
| Michelle Caroline Bunch | Director | July 17, 2026 F | 313,596 | 0 | 0 | $0 |
| Michael Doak | Director | June 5, 2026 P | 765,587 | 12 | 0 | $3,352,288 |
| Jonathan James Anderson | Director | March 31, 2026 A | 10,117 | 0 | 0 | $0 |
| Janet S. Wong | Director | March 31, 2026 A | 12,617 | 0 | 0 | $0 |
| Robin A Ferracone | Director | March 31, 2026 A | 26,117 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 6 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| DFAS · Dimensional ETF Trust | 0.01% | 30,821 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,116 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 918 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,354 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 157,002 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 320,652 SH | Aug. 19, 2026 | Daily |
TWFG Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 15 analysts
BUY
Median target
$31.00
+26.0%
3 20.0%
Strong Buy
8 53.3%
Buy
4 26.7%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
7 analysts · 2026-09-30Mean target $31.00 +26.0%
← Below all targets
Current price $24.61
Low$26.00
Mean$31.00
High$34.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| TWFG | · | 54.3 | 22.0% | · | · | · |
| RYAN | · | · | 21.3% | 2.1% | 9.9% | · |
| HGTY | · | · | 17.3% | 10.2% | 80.3% | · |
| BWIN | · | -48.1 | 8.3% | -2.2% | -5.7% | · |
| LIFE | · | · | 52.0% | 18.4% | -108.4% | · |
| GSHD | · | 70.8 | 16.2% | 7.6% | -107.8% | · |
| ABX | $833M | 23.8 | 110.2% | 15.5% | 8.8% | 87.7% |
| SLQT | $148M | -14.0 | 6.0% | 3.8% | 17.5% | · |
| HIT | · | 79.5 | 71.0% | 3.8% | 7.6% | 62.8% |
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Source: SEC 10-Q filed Aug 6, 2026