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TWFG

TWFG

TWFG, Inc. Common Stock

$21.83
1.18
 (5.73%)
Exchange:  NASDAQ
Market Cap:  283.769M
Shares Outstanding:  631.75M
Delayed data
Calculate TWFG Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Brokers
   
CEO:  Richard Finley Bunch
Full Time Employees:  293
Address: 
1201 Lake Woodlands Drive
The Woodlands
TX
77380
US
Website:  https://www.twfg.com
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.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/11/13 — Q3 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue166,990193,720233,960
Gross Profit36,17346,57062,806
EBITDA31,12744,33063,085
Operating Income25,39127,92523,874
Net Income02,7457,963

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets115,437323,428370,906
Total Liabilities84,38648,14255,586
Total Stockholders Equity31,05173,88483,091
Total Debt51,7566,29711,123
Cash and Cash Equivalents39,297195,772155,926

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow30,15440,47953,501
Capital Expenditure-15,647-3,201-356
Free Cash Flow14,50737,27853,145
Net Income25,26228,59241,166
Net Change in Cash5,8040-37,423

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)405,915.754Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)434,847.541Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)420,381.648Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)88,072.863Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)94,350.287Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)91,211.575Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)63,106.046Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)78,882.839Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)70,994.443Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)31,613.283Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)33,866.531Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)32,739.907Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.260Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.400Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.120Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
203.439M  ?P/S
 (TTM)
: 
1.01
?Net Income
 (TTM)
: 
2.745M  ?P/E
 (TTM)
: 
35.07
?Enterprise Value
 (TTM)
: 
140.965M  ?EV/FCF
 (TTM)
: 
3.11
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
1.65
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.09
?Net Debt
 (TTM)
: 
-195019000  ?Debt/Equity
 (TTM)
: 
0.11
?P/B
 (TTM)
: 
4.25  ?Current Ratio
 (TTM)
: 
62.74

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
21.41Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about TWFG valuation

Is TWFG, Inc. Common Stock (TWFG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for TWFG, Inc. Common Stock (TWFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is TWFG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TWFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is TWFG’s P/E ratio?

You can see TWFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for TWFG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is TWFG a good long-term investment?

Whether TWFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

TWFG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

5.73
MARKETSnap

Trading Metrics:

Open: 20.83   Previous Close: 20.65
Day Low: 20.83   Day High: 21.89
Year Low: 16.56   Year High: 36.79
Price Avg 50: 18.89   Price Avg 200: 23.58
Volume: 43574   Average Volume: 280047

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Relevant news

TWFG, Inc. Advances National Growth and Distribution with Fortress Insurance Services Deal
12-05-2026 17:01
TWFG, Inc. Advances National Growth and Distribution with Fortress Insurance Services Deal
TWFG, Inc. (TWFG) Q1 2026 Earnings Call Transcript
07-05-2026 21:31
TWFG, Inc. (TWFG) Q1 2026 Earnings Call Transcript
TWFG Insurance Acquires APIA Inc., Expanding Specialty MGA Capabilities and Supporting Long-Term Growth
04-05-2026 20:03
TWFG Insurance Acquires APIA Inc., Expanding Specialty MGA Capabilities and Supporting Long-Term Growth
Why TWFG, Inc. (TWFG) is Poised to Beat Earnings Estimates Again
29-04-2026 13:10
Why TWFG, Inc. (TWFG) is Poised to Beat Earnings Estimates Again
TWFG, Inc. To Announce First Quarter 2026 Financial Results on Thursday, May 7, 2026
20-04-2026 16:05
TWFG, Inc. To Announce First Quarter 2026 Financial Results on Thursday, May 7, 2026
TWFG, Inc. (TWFG) Upgraded to Buy: Here's Why
09-04-2026 13:01
TWFG, Inc. (TWFG) Upgraded to Buy: Here's Why

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