TWFG (TWFG) Stock Price, News & Analysis

Company Overview

TWFG Insurance Services, Inc. operates as a property and casualty insurance distribution company that provides personal and commercial insurance solutions through a hybrid model of company-owned branches and franchised offices. The firm offers a broad spectrum of insurance products, including auto, homeowners, renters, umbrella, flood and specialty lines coverage, tailored to meet the needs of individuals, families and businesses. By partnering with multiple insurance carriers, TWFG delivers competitive pricing and customized policy options designed to help clients manage risk and protect their assets.

Founded in 1980 and headquartered in Odessa, Texas, TWFG has expanded its network to serve customers across numerous U.S. states. The company’s franchise system allows experienced insurance entrepreneurs to leverage TWFG’s operational platform, carrier relationships and marketing support while maintaining local autonomy. Company-owned offices complement the franchised locations, enhancing geographic reach and ensuring consistent service standards throughout its footprint.

TWFG’s business model generates revenue primarily through commissions from carrier partners and service fees for supporting agency operations. The company invests in technology platforms to streamline policy issuance, claims management and customer service, aiming to improve efficiency and responsiveness. TWFG is led by a seasoned executive team and board of directors with deep expertise in insurance distribution, franchise development and financial management, positioning the organization for continued growth in a competitive marketplace.

Key Stats

• Today's Range: $19.76 to $20.90
• 50-Day Range: $17.53 to $20.12
• 52-Week Range: $16.56 to $36.79
• Volume: 300,933 shs
• Average Volume: 244,818 shs
• Market Capitalization: $1.12 billion
• P/E Ratio: 38.20
• Dividend Yield: N/A
• Price Target: $24.86
• Consensus Rating: Hold

TWFG Stock Analysis - MarketRank™

TWFG scored higher than 85% of companies evaluated by MarketBeat, and ranked 183rd out of 883 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: 3.7 / 5
• Analyst Rating: Hold

Consensus Rating

TWFG has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 3 buy ratings, 4 hold ratings, and 1 sell rating.

Upside Potential

TWFG has a consensus price target of $24.86, representing about 20.0% upside from its current price of $20.71.

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: 1.3 / 5
• Proj. Earnings Growth: 6.19%

Earnings Growth

Earnings for TWFG are expected to grow by 6.19% in the coming year, from $0.97 to $1.03 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TWFG is 38.35, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of TWFG is 38.35, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Book Value per Share Ratio

TWFG has a P/B Ratio of 3.89. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.32% 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 1.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in TWFG has recently increased by 4.87%, indicating that investor sentiment is decreasing.

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: 3.9 / 5
• News Sentiment: 1.16

News Sentiment

TWFG has a news sentiment score of 1.16. 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 is a higher news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 17 news articles for TWFG this week, compared to 2 articles on an average week.

Search Interest

4 people have searched for TWFG on MarketBeat in the last 30 days.

Company Ownership

• Score: 3.6 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $3,034,663.00 in company stock, which represents 0.2706% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, TWFG insiders have bought more of their company's stock than they have sold. Specifically, they have bought $3,034,663.00 in company stock and sold $0.00 in 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: 5/07/2026
• Today: 6/09/2026
• Next Earnings (Estimated): 8/11/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

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

Price Target and Rating

• Average Price Target for TWFG: $24.86
• High Price Target: $33.00
• Low Price Target: $21.00
• Potential Upside/Downside: +20.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.54
• Trailing P/E Ratio: 38.19
• Forward P/E Ratio: 21.26
• P/E Growth: N/A
• Net Income: $7.96 million
• Net Margins: 3.04%
• Pretax Margin: 19.22%
• Return on Equity: 15.96%
• Return on Assets: 12.76%

Debt

• Debt-to-Equity Ratio: 0.01
• Current Ratio: 94.71
• Quick Ratio: 94.71

Sales & Book Value

• Annual Sales: $247.08 million
• Price / Sales: 4.52
• Cash Flow: $1.19 per share
• Price / Cash Flow: 17.30
• Book Value: $5.32 per share
• Price / Book: 3.88

Miscellaneous

• Outstanding Shares: 54,170,000
• Free Float: 17,096,000
• Market Cap: $1.12 billion
• Optionable: N/A
• Beta: 0.46