TWFG, Inc. (TWFG) Stock Price & Analysis

TWFG, Inc. (TWFG) closed at USD 27.28 on Wednesday, October 28, 2026, up 0.11% on the day. The US market is currently closed; this is not a live price.

The prior close was USD 27.25; the Oct 28, 2026 session ranged USD 26.02–27.69 on volume of 156,962 shares. Market capitalization is $351.38M, with a 52-week range of USD 16.56–31.3 (NMS). Source: Nexqual, retrieved October 29, 2026 at 06:13 UTC.

Also available as compact Markdown for AI agents: nexqual.com/TWFG.md

Key facts (TWFG)

• Last four reported quarters (through Jun 30, 2026): revenue $295M, net income $42.0M (14.2% margin), free cash flow $59.7M (SEC filings).
• Valuation: P/E 8.4x (avg 89.3x at the last 2 fiscal year-ends), EV/EBITDA 3.6x, net cash $70.7M.
• 1 of 80 tracked superinvestors hold TWFG (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
• Insider open-market purchases, last ~7 months: 6 Form 4 filings, $3.4M; 0 by opportunistic insiders, 0 by routine insiders.
• Analysts: Buy (mean 1.88 on a 1–5 scale) (8 analysts), mean target USD 30.57 (range 26–34).
• Total return with dividends: 1Y +12.2% vs S&P 500 +13.6%; 5Y +20.6% vs S&P 500 +79.8%.
• Next earnings: 2026-11-04, EPS estimate USD 0.26, revenue estimate $78.7M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TWFG)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (TWFG)

P/E 8.4x · P/S 1.2x · EV/EBITDA 3.6x · EV/Sales 0.9x · P/FCF 5.9x · P/B 7.6x · FCF yield 16.99% · Earnings yield 11.95% · Net cash $70.7M · EV $281M

P/E at fiscal year-ends: Dec 2025 10.6x, Dec 2024 168.1x.

Superinvestors (SEC 13F-HR, Q2 2026) (TWFG)

1 of 80 tracked investors hold TWFG. Each row is the investor's latest 13F; change is vs their prior-quarter share count.

Insider purchases (SEC Form 4, open-market, last ~7 months) (TWFG)

6 purchases, $3.4M. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (TWFG)

Consensus Buy (mean 1.88 on a 1–5 scale), 8 analysts; mean target USD 30.57 (low 26, high 34).

Rating changes, last 120 days:

Total return (dividends reinvested) (TWFG)

TWFG earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

TWFG recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

TWFG revenue by product line (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

TWFG suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Mar 10, 2026.

Companies that name TWFG in their SEC reports

TWFG customer concentration

In the period ended Jun 30, 2026, a single direct customer accounted for 19% of revenue, per the company's 10-Q filed Aug 6, 2026. The company does not name it.

TWFG analyst estimates and revisions

Key Statistics (as of October 29, 2026 at 06:13 UTC)

Technical Analysis (TWFG)

Nexqual's technical model rates TWFG "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 06:13 UTC.

Analyst Ratings (TWFG)

Wall Street analysts rate TWFG "Buy" based on 8 analysts, with a mean price target of USD 30.57 (range USD 26–34), per Nexqual as of October 29, 2026 at 06:13 UTC.

Earnings (TWFG)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 06:13 UTC.

Financials & Fundamentals (TWFG)

Source: Nexqual, October 29, 2026 at 06:13 UTC.

Financial Health Score (TWFG)

Nexqual rates TWFG, Inc.'s overall financial health "Strong" across five dimensions, as of October 29, 2026 at 06:13 UTC.

Ownership (TWFG)

Source: Nexqual, October 29, 2026 at 06:13 UTC.

Leadership (TWFG)

TWFG, Inc. is led by Richard Finley Bunch, Chairman & CEO, per Nexqual as of October 29, 2026 at 06:13 UTC.

Major Backers & Investors (TWFG)

Notable institutional backers of TWFG, Inc. include BAMCO Inc., BARON INVESTMENT Fd.S TRT -BARON DISCOVERY Fd., Franklin Resources, Inc., according to Nexqual as of October 29, 2026 at 06:13 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 06:13 UTC.

From TWFG, Inc.'s Latest SEC 10-K Filing (filed 2026-03-10)

Key Strengths & Strategy (as disclosed to the SEC)

• For the years ended December 31, 2025 and 2024, we generated revenue of $248.5 million and $203.8 million, respectively, representing year-over-year growth of 22.0%, including Organic Revenue Growth of 11.6% year-over-year.
• Our independent distribution platform offers our Branches and MGA Agencies a choice of contracts to execute with us, including Branch contracts, MGA contracts and producer contracts, and our programs include Admitted and non-admitted insurance products, personal, commercial, life, and health lines of business, as well as proprietary programs only available through TWFG.
• We rely on a combination of copyright, trademark, trade dress and trade secret laws in the U.S. and other jurisdictions, as well as confidentiality procedures and contractual restrictions, to establish and protect our intellectual property and proprietary rights, including our Books of Business.
• Our offerings are fulsome and flexible in that we offer all lines of insurance, multiple distribution contract options, M&A services, proprietary virtual assistants, proprietary technology, proprietary premium financing, unlimited continuing education, recognition programs, co-op funding, marketing support and overall lower costs to operate.

Legal & Regulatory Risks (Item 1A, quoted)

• The occurrence of natural or man-made disasters could result in declines in business and increases in claims that could adversely affect our financial condition, results of operations and cash flows.
• Our inability to successfully recover should we experience a disaster or other business continuity problem could cause material financial loss, loss of human capital, regulatory actions, reputational harm or legal liability.
• Our business, financial condition and results of operations may be negatively affected by E&O claims.
• Regulations affecting insurance carriers with which we place business may adversely affect how we conduct our operations.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 06:13 UTC. This page is informational and not investment advice.

For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt