TWFG Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
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

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Revenue$249M
2022-12-31 → 2025-12-31
EPS$0.53
2024-12-31 → 2025-12-31
Free Cash Flow$53M
2024-12-31 → 2025-12-31
Net margin·
2024-12-31 → 2024-12-31
Valuation & Ratios 07–12

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.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Avg Surprise 30.5%
Next Report Nov 10, 2026
PeriodReportEPS ActualEPS EstSurprise
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

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Income Statement 12
Metric Trend 202520242023
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) 14,914,34614,772,115·
Shares (Diluted) 15,100,19014,982,409·
EBITDA $55M$40M·
Balance Sheet 22
Metric Trend 202520242023
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 ·0631,750
Cash Flow 12
Metric Trend 202520242023
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 7
Metric Trend 202520242023
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 4
Metric Trend 202520242023
Current Ratio 5.16.1·
Quick Ratio 3.75.1·
Debt / Equity 0.00.1·
LT Debt / Equity 0.00.1·
Efficiency 2
Metric Trend 202520242023
Asset Turnover 0.70.9·
Receivables Turnover 32.529.5·
Per Share 3
Metric Trend 202520242023
Revenue / Share $16.46$13.60·
Cash Flow / Share $3.54$2.70·
EPS (TTM) $0.53$0.19·
Growth Rates 3
Metric Trend 202520242023
Revenue YoY 22.0%18.4%11.8%
Revenue CAGR 3Y 17.3%··
EPS YoY 179.0%··
Valuation (TTM) 13
Metric Trend 202520242023
Revenue TTM $249M$204M·
Net Income TTM $13M$3M·
Market Cap ·$0·
Enterprise Value ·$-186M·
P/E 54.3162.1·
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%·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-31
Revenue $249M $204M $172M $154M
Operating Margin % 14.9% 13.7% · ·
Net Income · $3M $0 $0
Diluted EPS $0.53 $0.19 · ·

Institutional owners (13F) 84 filers · $215.0M total · As of June 30, 2026

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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

Show all 84 institutional owners →

Company insiders 12 insiders · 7 officers · 5 directors

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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

20

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

21
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 · 2026-09-30

Mean 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

22

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