TWFG

Twfg, Inc. Financials Insurance Agents, Brokers & Service Russell 3000

$26.96Close $17.04 – $31.1552-week range Nov 4, 2026Next report · after the close

Highlights

Strengths

Tight base near its pivot pullbacks 24% → 11%; 3.7% above its $26.00 pivot
Earnings growing EPS +421% year on year, faster than the quarter before (+388 pts)

Cautions

Trend not confirmed 6 of 8 conditions · 200-day not rising, RS under 70
Results soon Nov 4, 2026, in 3 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026

Off 12-month high 13%

1wk 4.7% price change

1mo 12.3% price change

12-month return 11% market up 11% · its own 0%

F-score — — Not assessed

Altman Z″ 5.64 Low risk

P/E — price / earnings

PEG — P/E / EPS growth

P/B — price / book

Earnings yield — EBIT / enterprise value

Cheaper than — of the market · not assessed

Revenue growth 22% year on year

EPS growth 421% latest quarter · +388 pts

Sales growth 45% latest quarter · +10 pts

ROE 52% return on equity

Free cash margin —

D/E 0.02 long-term debt / equity

Net debt / EBITDA —

Interest cover —EBIT / interest

Piotroski tests

Repair signals

Long-term debt down 49% ($0.0B → $0.0B)

Trade setup

ATR% 4.7% $1.26 a day · 2×ATR $24.44

RS 66 / 99 vs the universe

Trend 6 / 8 200-day not rising, RS under 70

Relative volume 1.3× vs 50-day average

Up/down volume 0.72 50 sessions

Implied move — no option chain · report Nov 4, 2026

Contractions 2 24% → 11%

Pivot $26.00 3.7% above

Volume dry-up 1.2× 10 vs 50 sessions

Trend template · 6 of 8

200-day average rising for a month: fails
RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged

No restatement or impairment
Equity positive
No material dilution
Margins and revenue not shrinking

Last reported Aug 5, 2026

Results reaction Aug 5, 2026+5% vs market2 sessions after results

Financials

4 fiscal years · from filings

Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $248.5M +22% on FY2024

Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $41.2M +1400% on FY2024

Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology

Net 17%

Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology

Cash
Long-term debt

	FY2022Dec 31, 2022	FY2023Dec 31, 2023	FY2024Dec 31, 2024	FY2025Dec 31, 2025
Revenue	$153.9M	$172.0M	$203.8M	$248.5M
Operating income	$23.7M	$25.4M	$27.9M	$37.0M
Net income	$0	$0	$2.7M	$41.2M
Net margin	0%	0%	1%	17%
Earnings per share	—	—	$0.18	$2.73
Cash	$22.3M	$39.3M	$195.8M	$155.9M
Long-term debt	—	$48.0M	$4.0M	$2.0M
Shareholders' equity	—	$31.1M	$73.9M	$83.4M

Filings

SEC EDGAR

Filed	Report	Period to	Lag
Aug 6, 2026	Quarterly ↗	Jun 30, 2026	37d
May 8, 2026	Quarterly ↗	Mar 31, 2026	38d
Mar 10, 2026	Annual ↗	Dec 31, 2025	69d
Nov 12, 2025	Quarterly ↗	Sep 30, 2025	43d
Aug 13, 2025	Quarterly ↗	Jun 30, 2025	44d
May 13, 2025	Quarterly ↗	Mar 31, 2025	43d
Mar 27, 2025	Annual ↗	Dec 31, 2024	86d
Nov 13, 2024	Quarterly ↗	Sep 30, 2024	44d
Aug 30, 2024	Quarterly ↗	Jun 30, 2024	61d

Current reports

Filed	Disclosed
Aug 13, 2026	Material agreement · New obligation · Regulation FD ↗
Aug 5, 2026	Results ↗
Jul 24, 2026	Director or officer change ↗
May 28, 2026	Shareholder vote ↗
May 7, 2026	Results ↗
Feb 25, 2026	Results · Other events ↗
Nov 12, 2025	Results · Director or officer change ↗
Aug 12, 2025	Results ↗
May 28, 2025	Shareholder vote ↗
May 13, 2025	Results ↗
May 2, 2025	Regulation FD ↗
Apr 8, 2025	Director or officer change ↗