TWFG, Inc.

TWFG

TWFG, Inc.

TWFG

Insider Sentiment (TTM):

Last Purchase:2026-06-05Last Sale:-Shares Purchased (TTM):89,113Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:8,691,046Shares Outstanding:14,794,482Institutional Ownership Pct.:58.75%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Common Class A	-	13	0	0	0	15	0	15	0
Common Class B	-	7	0	0	0	7	0	7	0
Common Class C	-	34	0	0	0	34	0	34	0
Assets
Assets Current
Cash And Cash Equivalents At Carrying Value	74	125	156	151	160	196	196	191	26
Restricted Cash Current	19	19	12	12	11	12	10	10	11
Accounts Receivable Net Current	14	8	7	8	9	8	8	9	10
Deferred Offering Costs	-	-	0	-	-	-	0	0	6
Other Assets Current	17	13	13	13	3	2	2	2	1
Assets Current	171	201	226	211	209	241	242	234	75
Assets Noncurrent
Finite Lived Intangible Assets Net	179	162	139	129	126	81	73	75	78
Property Plant And Equipment Net	4	3	3	3	3	3	3	1	1
Operating Lease Right Of Use Asset	5	4	4	5	4	4	4	3	3
Other Assets Noncurrent	1	1	1	1	1	1	1	1	1
Assets	358	371	372	349	343	331	323	313	157
Liabilities And Stockhold…
Liabilities Current
Accrued Sales Commission Current And Noncurrent	21	19	15	16	16	16	14	14	15
Operating Lease Liability Current	1	1	1	1	1	1	1	1	1
Long Term Debt Current	2	2	2	2	2	2	2	2	2
Other Liabilities Current	13	10	10	9	9	7	10	7	7
Liabilities Current	67	59	44	45	45	43	40	38	41
Liabilities Noncurrent
Operating Lease Liability Noncurrent	3	3	3	3	3	3	3	1	2
Long Term Debt Noncurrent	1	2	2	3	3	4	4	4	46
Other Liabilities Noncurrent	-	-	0	0	0	0	0	-	-
Liabilities	71	65	56	53	54	50	48	45	90
Redeemable Noncontrolling Interest Equity Carrying…	23	21	18	11	10	0	0	-	-
Stockholders Equity
Common Unit Issuance Value	-	-	-	-	-	-	-	0	-
Additional Paid In Capital	19	44	60	59	60	58	58	57	55
Retained Earnings Accumulated Deficit	27	25	23	20	19	17	15	14	11
Accumulated Other Comprehensive Income Loss Net Of…	0	0	0	0	0	0	0	0	0
Members Equity	-	-	-	-	-	-	-	-	68
Stockholders Equity	46	285	83	79	79	280	275	71	-
Minority Interest	218	216	215	205	201	205	201	197	-
Liabilities And Stockholders Equity	358	371	372	349	343	331	323	313	157

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Custom Table

10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.83%	23.80%	37.45%	-	-	-	-	-	-	-	-	-
2025	9.37%	8.96%	-9.52%	-8.85%	-0.95%	-14.07%	4.82%	5.46%	-5.88%	-10.09%	-6.66%	-6.71%
2024	-	-	-	-2.96%	4.74%	8.62%	4.56%	-6.04%	-9.27%	9.90%	10.86%	14.59%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Liquidity Ratios
Current Ratio	2.56	3.42	5.12	4.68	4.59	5.63	6.10	6.15	1.84
Quick Ratio	2.56	3.42	5.12	4.68	4.59	5.63	6.10	6.15	1.84
Working Capital	103.95M	142.52M	181.43M	166.19M	163.13M	198.54M	202.23M	196.03M	34.30M
Leverage & Debt
Debt to Equity	1.55	0.23	0.67	0.67	0.68	0.18	0.17	0.63	1.33
Interest Coverage TTM	136.28	107.40	86.62	9.81	8.23	6.91	-	-	-
Debt Ratio	0.20	0.17	0.15	0.15	0.16	0.15	0.15	0.14	0.57
Efficiency & Turnover
Asset Turnover TTM	0.84	0.76	0.71	0.83	1.06	0.78	-	-	-
Days Sales Outstanding TTM	14.61	10.99	11.24	11.20	13.06	11.41	-	-	-
Receivables Turnover TTM	24.98	33.22	32.47	32.58	27.94	31.99	-	-	-
Per Share Metrics
Diluted EPS TTM	2.67	2.79	2.73	2.76	0.69	2.45	-	-	-
Free Cash Flow Per Share TTM	4.04	4.05	3.56	2.21	2.00	3.55	-	-	-
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-
Margin Metrics
Gross Profit Margin TTM	85.88%	85.29%	84.86%	84.96%	84.92%	85.53%	-	-	-
Operating Profit Margin TTM	18.26%	16.30%	14.88%	13.24%	12.65%	13.07%	-	-	-
Net Profit Margin TTM	11.86%	15.54%	16.56%	15.09%	14.70%	14.31%	-	-	-
Growth Metrics
Net Revenue Growth (1Y)	11.27%	3.86%	-	-	-	-	-	-	-
Net Income Growth (1Y)	-10.21%	12.86%	-	-	-	-	-	-	-
EPS Growth (1Y)	2.19%	13.58%	-	-	-	-	-	-	-
Valuation Metrics
P/E TTM	9.01	6.54	10.42	9.88	13.40	12.49	-	-	-
P/B TTM	6.82	0.95	5.15	5.19	6.63	1.64	1.65	5.62	-
P/S TTM	1.07	1.02	1.73	1.49	1.97	1.79	-	-	-
Market Cap	314.97M	272.07M	429.09M	411.75M	521.64M	460.24M	454.98M	399.28M	-
Enterprise Value	244.25M	131.94M	265.19M	265.25M	366.79M	257.41M	255.58M	204.76M	-
Calculated Values
Free Cash Flow TTM	52.89M	59.94M	53.15M	33.13M	29.74M	52.91M	-	-	-
Net Debt	-70.72M	-140.13M	-163.89M	-146.50M	-154.86M	-202.83M	-199.40M	-194.52M	22.25M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-05Purchase

Owner: Doak, Michael

Title: -

Shares: 7,865

Price/Share: $19.45

Value: $152,974.25

Shares Owned: 765,587

Relationship: Director

Ownership: Indirect

2026-06-04Purchase

Owner: Doak, Michael

Title: -

Shares: 11,000

Price/Share: $19.09

Value: $209,990.00

Shares Owned: 757,722

Relationship: Director

Ownership: Indirect

2026-06-02Purchase

Owner: Doak, Michael

Title: -

Shares: 16,500

Price/Share: $19.25

Value: $317,625.00

Shares Owned: 723,728

Relationship: Director

Ownership: Indirect

2026-05-29Purchase

Owner: Doak, Michael

Title: -

Shares: 11,330

Price/Share: $18.87

Value: $213,797.10

Shares Owned: 690,728

Relationship: Director

Ownership: Indirect

2026-05-27Purchase

Owner: Doak, Michael

Title: -

Shares: 24,880

Price/Share: $18.62

Value: $463,265.60

Shares Owned: 668,398

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-05	Doak, Michael	Director	-	Indirect	Purchase	7,865	19.45	$152,974.25	765,587	4
2026-06-04	Doak, Michael	Director	-	Indirect	Purchase	11,000	19.09	$209,990.00	757,722	4
2026-06-02	Doak, Michael	Director	-	Indirect	Purchase	16,500	19.25	$317,625.00	723,728	4
2026-05-29	Doak, Michael	Director	-	Indirect	Purchase	11,330	18.87	$213,797.10	690,728	4
2026-05-27	Doak, Michael	Director	-	Indirect	Purchase	24,880	18.62	$463,265.60	668,398	4
2026-05-21	Doak, Michael	Director	-	Indirect	Purchase	17,538	18.52	$324,803.76	621,518	4
2024-11-26	Benes, Julie E.	Officer	General Counsel and Secretary	Direct	Purchase	950	33.53	$31,853.50	49,008	4
2024-07-19	Bunch, Charles Alexander	Officer	Chf Creative & Marketing Off	Direct	Purchase	1,000	17.00	$17,000.00	48,058	4
2024-07-19	Bunch, Charles Alexander	Officer	Chief Creative & Marketing Off	Indirect	Purchase	144	17.00	$2,448.00	72	4/A
2024-07-19	Nolan, Katherine C	Officer	Chief Operating Officer	Direct	Purchase	6,250	17.00	$106,250.00	94,485	4
2024-07-19	Doak, Michael	Director	-	Indirect	Purchase	588,235	17.00	$9,999,995.00	591,764	4
2024-07-19	Ferracone, Robin A	Director	-	Direct	Purchase	16,000	17.00	$272,000.00	19,529	4
2024-07-19	Bunch, Michelle Caroline	Director	-	Direct	Purchase	5,850	17.00	$99,450.00	498,799	4
2024-07-19	Wong, Janet S.	Director	-	Direct	Purchase	2,500	17.00	$42,500.00	6,029	4
2024-07-19	Zwinggi, Janice E.	Officer	Chief Financial Officer	Direct	Purchase	3,000	17.00	$51,000.00	61,823	4
2024-07-19	Benes, Julie E.	Officer	General Counsel and Secretary	Direct	Purchase	1,000	17.00	$17,000.00	48,058	4
2024-07-19	Bunch, Richard F. Iii, Bu…	TenPercentOwner	President and CEO	Direct	Purchase	185,426	17.00	$3,152,242.00	678,375	4
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Institutional Ownership

No data available for chart

2026-03-31

58.75%

Inst. Shares: 8,691,046

Shares Outstanding: 14,794,482

2025-12-31

59.27%

Inst. Shares: 8,839,432

Shares Outstanding: 14,914,346

2025-09-30

60.35%

Inst. Shares: 9,055,124

Shares Outstanding: 15,005,426

2025-06-30

57.08%

Inst. Shares: 8,506,900

Shares Outstanding: 14,904,083

2025-03-31

61.64%

Inst. Shares: 9,177,741

Shares Outstanding: 14,889,739

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	8,691,046	14,794,482	58.75%
2025-12-31	8,839,432	14,914,346	59.27%
2025-09-30	9,055,124	15,005,426	60.35%
2025-06-30	8,506,900	14,904,083	57.08%
2025-03-31	9,177,741	14,889,739	61.64%
2024-12-31	9,812,213	14,772,115	66.42%
2024-09-30	9,507,215	14,722,685	64.58%
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TWFG, Inc. (TWFG) — SEC Financial Statements & Analysis

TWFG, Inc. (TWFG) is a insurance agents, brokers & service company, incorporated in DE. TWFG, Inc. trades on Nasdaq as: TWFG. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), TWFG, Inc. reported a 11.27% year-over-year revenue growth, a Gross Profit Margin of 85.88% (TTM), a Debt-to-Equity ratio of 1.55x, a Price-to-Sales (P/S) ratio of 1.07x (TTM), a Price-to-Book (P/B) ratio of 6.82x (TTM), at a market cap of $314.97M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 11.27%
Gross Profit Margin TTM: 85.88%
Debt To Equity: 1.55x
P/S TTM: 1.07x
P/B TTM: 6.82x
Market Cap: $314.97M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is TWFG, Inc. in?

TWFG, Inc. (TWFG) operates in the Insurance Agents, Brokers & Service industry.

What is TWFG's market cap?

TWFG, Inc. (TWFG) has a market capitalization of $314.97M as of 2026-06-30.

What is TWFG's P/E ratio?

TWFG, Inc. (TWFG)'s trailing twelve month P/E ratio is 9.01x as of 2026-06-30.

What exchange does TWFG trade on?

TWFG, Inc. (TWFG) trades on the Nasdaq.

Where is TWFG, Inc. incorporated?

TWFG, Inc. is incorporated in DE.

TWFG, Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

Institutional Ownership

TWFG, Inc. (TWFG) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Insurance Agents, Brokers & Service

Wall Street's data.
Main Street's price.

TWFG, Inc. (TWFG) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Insurance Agents, Brokers & Service

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.