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TWFG Stock Chart & Stats
$26.28
$0.41(1.58%)
At close: 4:00 PM EDT
$26.28
$0.41(1.58%)
Day’s Range― - ―
52-Week Range$16.56 - $29.99
Previous Close$26.28
Volume129.77K
Average Volume (3M)87.68K
Market Cap
$1.46B
Enterprise Value$470.74
Total Cash (Recent Filing)$73.75M
Total Debt (Recent Filing)$7.64M
Price to Earnings (P/E)44.6
Beta0.40
Next Earnings
Nov 18, 2026EPS Estimate
0.25Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.24
Shares Outstanding12,880,333
10 Day Avg. Volume73,283
30 Day Avg. Volume87,679
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)5.20
Price to Sales (P/S)1.85
P/FCF Ratio8.13
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$29.33Price Target Upside11.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)1.11
Revenue Forecast (FY)$308.12M
Bulls Say, Bears Say
Bulls Say
Strong Revenue Growth & Margin ExpansionSustained double-digit top-line growth with a large sequential EBITDA margin expansion indicates durable operating leverage and improving unit economics. Over the next 2–6 months, higher margins support reinvestment, M&A funding, and capital returns while validating scalable distribution and pricing models.
MGA Channel ScalingRapid growth of the higher‑margin MGA channel meaningfully shifts revenue mix toward fee and commission income, improving overall profitability sustainability. A larger MGA footprint supports recurring commissions, diversification of revenue streams, and scalable underwriting expertise over the medium term.
Strong Liquidity And Low Net DebtRobust cash and available credit with minimal term debt provide financial flexibility to pursue M&A, fund tech investments, and execute buybacks without stressing operations. This conservative net leverage supports resilience to underwriting cycles and allows strategic optionality over coming quarters.
Bears Say
Free Cash Flow VolatilityA sharp TTM decline in free cash flow and weaker cash conversion versus prior years signals potential limits to durable cash generation. If cash conversion remains impaired, it can constrain buybacks, M&A funding, or require higher external financing during adverse cycles, increasing long‑term risk.
Rising Operating ExpensesMaterial increases in recurring operating costs from acquisitions, tech, and public‑company infrastructure can compress sustainable margins if revenue mix or productivity gains don’t keep pace. Persistent elevated SG&A would limit incremental profit from growth and raise break‑even sensitivity.
MGA Florida Takeout Renewal HeadwindOne‑time margin benefits from Florida takeouts will fade as policies renew at full-term pricing and commissions, reducing near‑term margin tailwinds. This normalization creates multi‑quarter earnings timing risk and shows retention metrics may be overstated while renewals complete.
TWFG, Inc. Class A News
TWFG FAQ
What was TWFG, Inc. Class A’s price range in the past 12 months?
TWFG, Inc. Class A lowest stock price was $16.56 and its highest was $29.99 in the past 12 months.
What is TWFG, Inc. Class A’s market cap?
TWFG, Inc. Class A’s market cap is $1.46B.
When is TWFG, Inc. Class A’s upcoming earnings report date?
TWFG, Inc. Class A’s upcoming earnings report date is Nov 18, 2026 which is in 95 days.
How were TWFG, Inc. Class A’s earnings last quarter?
TWFG, Inc. Class A released its earnings results on Aug 05, 2026. The company reported $0.38 earnings per share for the quarter, beating the consensus estimate of $0.257 by $0.123.
Is TWFG, Inc. Class A overvalued?
According to Wall Street analysts TWFG, Inc. Class A’s price is currently Undervalued.
Does TWFG, Inc. Class A pay dividends?
TWFG, Inc. Class A does not currently pay dividends.
What is TWFG, Inc. Class A’s EPS estimate?
TWFG, Inc. Class A’s EPS estimate is 0.25.
How many shares outstanding does TWFG, Inc. Class A have?
TWFG, Inc. Class A has 12,880,333 shares outstanding.
What happened to TWFG, Inc. Class A’s price movement after its last earnings report?
TWFG, Inc. Class A reported an EPS of $0.38 in its last earnings report, beating expectations of $0.257. Following the earnings report the stock price went up 2.66%.
Which hedge fund is a major shareholder of TWFG, Inc. Class A?
Currently, no hedge funds are holding shares in TWFG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
TWFG, Inc. Class A Stock Smart Score
Outperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$29.33 (11.62% Upside)
$29.33 (11.62% Upside)
Blogger Sentiment
Bullish
TWFG Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 71.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $3.4M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-0.54%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
4.52%
Trailing 12-Months
Company Description
TWFG, Inc. Class A
Established in 2001 and based in The Woodlands, Texas, TWFG, Inc. serves as an independent intermediary for a broad spectrum of personal and commercial insurance offerings throughout the United States. A subsidiary of Bunch Family Holdings, LLC, the company provides an extensive portfolio of coverage. For individual clients, this includes policies for automobiles, homes, renters, life, health, motorcycles, boats, recreational vehicles, umbrella, flood, wind, events, and luxury items. Commercial customers can access solutions such as general liability, property, business auto, workers' compensation, business owner policies, professional liability insurance, commercial bonds, and group benefits.
TWFG Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call showcased substantial top-line growth, strong margin expansion, and notable progress scaling the higher-margin MGA business, supported by raised guidance and solid liquidity. Management acknowledged expense increases tied to acquisitions and technology investments and highlighted timing-related headwinds from MGA Florida takeout runoff and softening personal auto pricing. Contingent income and renewal timing introduce some uncertainty, but upside from an active M&A pipeline and contingency updates exists. Overall, positives (revenue, margins, cash/liquidity, strategic progress) materially outweigh the operational and timing cautions discussed.View all TWFG earnings summariesTWFG Stock 12 Month Forecast
Average Price Target
$29.33
▲(11.62% Upside)
Technical Analysis
Ownership Overview
18.13% Insiders
35.51% Mutual Funds
29.09% Other Institutional Investors
12.62% Public Companies and
Individual Investors