TWFG (TWFG) Stock Price, News & Analysis

Company Overview

TWFG, Inc. is an independent insurance distribution company that connects individuals and businesses with insurance products from a range of carriers. Its offerings include personal and commercial property and casualty insurance, as well as life and health coverage.

Founded in 2001 as The Woodlands Financial Group, the company operates through a network of retail insurance agencies and independent agents. TWFG serves customers across the United States.

TWFG was founded by Richard “Ricky” McKenzie, who leads the company as chairman and chief executive officer. The company is headquartered in The Woodlands, Texas.

Key Stats

• Today's Range: $26.67 to $27.43
• 50-Day Range: $23.92 to $30.07
• 52-Week Range: $16.56 to $31.42
• Volume: 29,008 shs
• Average Volume: 204,934 shs
• Market Capitalization: $1.45 billion
• P/E Ratio: 46.96
• Dividend Yield: N/A
• Price Target: $30.57
• Consensus Rating: Moderate Buy

TWFG Stock Analysis - MarketRank™

TWFG scored higher than 42% of companies evaluated by MarketBeat, and ranked 641st out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

TWFG has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on 1 strong buy rating, 4 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

TWFG has a consensus price target of $30.57, representing about 14.2% upside from its current price of $26.77.

Amount of Analyst Coverage

TWFG has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: 0.91%

Earnings Growth

Earnings for TWFG are expected to grow by 0.91% in the coming year, from $1.10 to $1.11 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TWFG is 47.04, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 26.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of TWFG is 47.04, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.95.

Price to Book Value per Share Ratio

TWFG has a P/B Ratio of 5.41. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.00% of the float of TWFG has been sold short.

Short Interest Ratio / Days to Cover

TWFG has a short interest ratio ("days to cover") of 5.2.

Change versus previous month

Short interest in TWFG has recently increased by 10.92%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

TWFG does not currently pay a dividend.

Dividend Growth

TWFG does not have a long track record of dividend growth.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.57

News Sentiment

TWFG has a news sentiment score of 0.57. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 12 news articles for TWFG this week, compared to 3 articles on an average week.

MarketBeat Follows

2 people have added TWFG to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, TWFG insiders have not sold or bought any company stock.

Percentage Held by Insiders

68.44% of the stock of TWFG is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

TWFG has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 11/04/2026
• Today: 11/12/2026
• Investor Day 2026: 11/12/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Insurance Brokers
• Current Symbol: NASDAQ:TWFG
• Previous Symbol: NASDAQ:TWFG
• CIK: 2007596
• Web: twfg.com
• Phone: (281) 367-3424
• Fax: N/A
• Employees: 400
• Year Founded: 2001

Price Target and Rating

• Average Price Target for TWFG: $30.57
• High Price Target: $36.00
• Low Price Target: $23.00
• Potential Upside/Downside: +14.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.57
• Trailing P/E Ratio: 47.04
• Forward P/E Ratio: 24.12
• P/E Growth: N/A
• Net Income: $7.96 million
• Net Margins: 2.57%
• Pretax Margin: 19.03%
• Return on Equity: 23.41%
• Return on Assets: 17.86%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 79.32
• Quick Ratio: 79.31

Sales & Book Value

• Annual Sales: $247.08 million
• Price / Sales: 5.86
• Cash Flow: $1.13 per share
• Price / Cash Flow: 23.59
• Book Value: $4.95 per share
• Price / Book: 5.41

Miscellaneous

• Outstanding Shares: 54,050,000
• Free Float: 17,059,000
• Market Cap: $1.45 billion
• Optionable: N/A
• Beta: 0.20