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: $19.11 to $19.36
• 50-Day Range: $17.04 to $20.81
• 52-Week Range: $16.56 to $36.85
• Volume: 31,183 shs
• Average Volume: 227,533 shs
• Market Capitalization: $1.08 billion
• P/E Ratio: 37.75
• Dividend Yield: N/A
• Price Target: $26.50
• Consensus Rating: Moderate Buy

TWFG Stock Analysis - MarketRank™

TWFG scored higher than 75% of companies evaluated by MarketBeat, and ranked 408th out of 879 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: 4.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

TWFG has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 strong buy rating, 3 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

TWFG has a consensus price target of $26.50, representing about 37.7% upside from its current price of $19.25.

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: 1.9 / 5
• Proj. Earnings Growth: 14.77%

Earnings Growth

Earnings for TWFG are expected to grow by 14.77% in the coming year, from $0.88 to $1.01 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TWFG is 37.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.31.

Price to Earnings Ratio vs. Sector

The P/E ratio of TWFG is 37.75, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 23.35.

Price to Book Value per Share Ratio

TWFG has a P/B Ratio of 3.62. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for TWFG.

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: 2.8 / 5
• News Sentiment: 0.55

News Sentiment

TWFG has a news sentiment score of 0.55. 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 lower news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for TWFG this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added TWFG to their MarketBeat watchlist in the last 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.

TWFG Stock Analysis - Frequently Asked Questions

How have TWFG shares performed this year?

TWFG's stock was trading at $28.77 at the beginning of the year. Since then, TWFG shares have decreased by 33.1% and is now trading at $19.2450.

How were TWFG's earnings last quarter?

TWFG, Inc. (NASDAQ:TWFG) released its earnings results on Wednesday, February, 25th. The company reported $0.30 EPS for the quarter, beating the consensus estimate of $0.16 by $0.14. The business had revenue of $70.26 million for the quarter, compared to analysts' expectations of $60.81 million. TWFG had a trailing twelve-month return on equity of 13.51% and a net margin of 3.11%.
Read the conference call transcript.

When did TWFG IPO?

TWFG (TWFG) raised $165 million in an initial public offering on Thursday, July 18th 2024. The company issued 11,000,000 shares at $14.00-$16.00 per share.

Who are TWFG's major shareholders?

Top institutional investors of TWFG include Riverbridge Partners LLC (0.98%) and Bank of New York Mellon Corp (0.03%). Insiders that own company stock include Richard F Bunch III, Katherine C Nolan, Janice E Zwinggi, Charles Alexander Bunch and Janet S Wong.
View institutional ownership trends.

How do I buy shares of TWFG?

Shares of TWFG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of TWFG own?

Based on aggregate information from My MarketBeat watchlists, some other companies that TWFG investors own include Alpha Metallurgical Resources (AMR), Global X Copper Miners ETF (COPX), Hims & Hers Health (HIMS), Karuna Therapeutics (KRTX), Navios Maritime Partners (NMM).

Company Calendar

• Last Earnings: 2/25/2026
• Today: 5/06/2026
• Next Earnings (Estimated): 5/07/2026
• 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: $26.50
• High Price Target: $33.00
• Low Price Target: $22.00
• Potential Upside/Downside: +37.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.51
• Trailing P/E Ratio: 37.75
• Forward P/E Ratio: 21.87
• P/E Growth: N/A
• Net Income: $7.96 million
• Net Margins: 3.11%
• Pretax Margin: 17.88%
• Return on Equity: 13.51%
• Return on Assets: 11.06%

Debt

• Debt-to-Equity Ratio: 0.01
• Current Ratio: 107.86
• Quick Ratio: 107.86

Sales & Book Value

• Annual Sales: $247.08 million
• Price / Sales: 4.38
• Cash Flow: $1.19 per share
• Price / Cash Flow: 16.23
• Book Value: $5.32 per share
• Price / Book: 3.62

Miscellaneous

• Outstanding Shares: 56,200,000
• Free Float: 17,737,000
• Market Cap: $1.08 billion
• Optionable: N/A
• Beta: 0.46