TWFG Financials: Revenue & Earnings
TWFG$27.22-0.03 -0.13%
$350.54M
Market Cap
—
P/E
—
Forward P/E
—
Score
TWFG Financials: Revenue & Earnings
TWFG price $27.22 -0.03 -0.13%
- Ticker
- TWFG
- Price
- $27.22
- Change
- -0.03 -0.13%
- Market cap ?
- $350.54M
- Beta ?
- 0.15
- Sector
- Financial Services
- Industry
- Insurance - Brokers
Fair value
TWFG fair value $65.22. Price $27.22. Price is 58% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 90% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 45.00M. Growth 0.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 12.88M. Net debt -144.80M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-11-04 | — | 0.26 | — | 79.48M |
| 2026-08-05 | 0.38 | 0.26 | 87.51M | 77.34M |
| 2026-05-07 | 0.29 | 0.20 | 72.84M | 67.67M |
| 2026-02-25 | 0.30 | 0.18 | 68.83M | 62.92M |
| 2025-11-12 | 0.23 | 0.19 | 61.74M | 62.21M |
| 2025-08-12 | 0.20 | 0.18 | 57.89M | 64.89M |
| 2025-05-13 | 0.16 | 0.15 | 53.82M | 63.24M |
| 2025-03-19 | 0.19 | 0.10 | 46.46M | 53.16M |
| 2024-11-12 | 0.15 | 0.17 | 51.13M | 47.78M |
| 2024-08-27 | 14.89 | 0.14 | 53.27M | 52.74M |
| 2023-12-31 | 0.08 | — | 166.99M | — |
| 2023-09-30 | 0.58 | — | 46.10M | — |
| 2023-06-30 | 0.01 | — | 43.98M | — |
| 2023-03-31 | 0.01 | — | 38.72M | — |
Dividends
Yield 0.00%. Payout ratio 2.41%. Frequency —.
Safety score 37/100 · Watch. Payout ratio is 2% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-07-17 | Bunch Richard F. III | Sell | 17.73K | $26.35 | 467.26K |
| 2026-07-17 | Benes Julie E. | Sell | 6.17K | $26.35 | 162.61K |
| 2026-07-17 | Bunch Charles Alexander | Sell | 6.16K | $26.35 | 162.40K |
| 2026-07-17 | Nolan Katherine C | Sell | 11.56K | $26.35 | 304.58K |
| 2026-07-17 | Zwinggi Janice E. | Sell | 7.71K | $26.35 | 203.16K |
| 2026-07-17 | Bunch Michelle Caroline | Sell | 17.73K | $26.35 | 467.26K |
| 2026-06-05 | Bunch Michelle Caroline | Sell | 529.57K | — | — |
| 2026-06-05 | Bunch Michelle Caroline | Sell | 529.57K | — | — |
| 2026-06-05 | Bunch Michelle Caroline | Buy | 264.78K | — | — |
| 2026-06-05 | Bunch Michelle Caroline | Buy | 264.78K | — | — |
| 2026-06-05 | Bunch Michelle Caroline | Sell | 264.78K | — | — |
| 2026-06-05 | Bunch Michelle Caroline | Sell | 264.78K | — | — |
| 2026-06-05 | Bunch Richard F. III | Sell | 529.57K | — | — |
| 2026-06-05 | Bunch Richard F. III | Sell | 529.57K | — | — |
| 2026-06-05 | Bunch Richard F. III | Buy | 264.78K | — | — |
| 2026-06-05 | Bunch Richard F. III | Buy | 264.78K | — | — |
| 2026-06-05 | Bunch Richard F. III | Sell | 264.78K | — | — |
| 2026-06-05 | Bunch Richard F. III | Sell | 264.78K | — | — |
| 2026-06-05 | DOAK MICHAEL | Buy | 7.87K | $19.45 | 152.97K |
| 2026-06-04 | DOAK MICHAEL | Buy | 11.00K | $19.09 | 209.99K |
| 2026-06-03 | DOAK MICHAEL | Buy | 22.99K | $18.62 | 428.15K |
| 2026-06-02 | DOAK MICHAEL | Buy | 16.50K | $19.25 | 317.62K |
| 2026-06-01 | DOAK MICHAEL | Buy | 16.50K | $19.33 | 318.94K |
| 2026-05-29 | DOAK MICHAEL | Buy | 11.33K | $18.87 | 213.80K |
| 2026-05-28 | DOAK MICHAEL | Buy | 11.00K | $18.87 | 207.57K |
| 2026-05-27 | DOAK MICHAEL | Buy | 24.88K | $18.62 | 463.27K |
| 2026-05-26 | DOAK MICHAEL | Buy | 11.00K | $19.23 | 211.53K |
| 2026-05-22 | DOAK MICHAEL | Buy | 11.00K | $18.89 | 207.79K |
| 2026-05-21 | DOAK MICHAEL | Buy | 17.54K | $18.52 | 324.80K |
| 2026-05-20 | DOAK MICHAEL | Buy | 15.74K | $18.79 | 295.85K |
| 2026-03-31 | Bunch Richard F. III | Buy | 27.50K | — | — |
| 2026-03-31 | Bunch Richard F. III | Sell | 2.13K | $18.39 | 39.23K |
| 2026-03-31 | Bunch Richard F. III | Buy | 4.00K | — | — |
| 2026-03-31 | Bunch Michelle Caroline | Buy | 27.50K | — | — |
| 2026-03-31 | Bunch Michelle Caroline | Sell | 2.13K | $18.39 | 39.23K |
| 2026-03-31 | Bunch Michelle Caroline | Buy | 4.00K | — | — |
| 2026-03-31 | Bunch Charles Alexander | Buy | 5.00K | — | — |
| 2026-03-31 | Bunch Charles Alexander | Sell | 326 | $18.39 | 6.00K |
| 2026-03-31 | Benes Julie E. | Buy | 5.00K | — | — |
| 2026-03-31 | Benes Julie E. | Sell | 337 | $18.39 | 6.20K |
| 2026-03-31 | Padgett Gene | Buy | 3.25K | — | — |
| 2026-03-31 | Padgett Gene | Sell | 224 | $18.39 | 4.12K |
| 2026-03-31 | Zwinggi Janice E. | Buy | 12.50K | — | — |
| 2026-03-31 | Zwinggi Janice E. | Sell | 839 | $18.39 | 15.43K |
| 2026-03-31 | McGuire Andrew Vincent | Buy | 4.00K | — | — |
| 2026-03-31 | Vijaya Gopal Mohan Babu | Buy | 3.25K | — | — |
| 2026-03-31 | Nolan Katherine C | Buy | 12.50K | — | — |
| 2026-03-31 | Nolan Katherine C | Sell | 828 | $18.39 | 15.23K |
| 2026-03-31 | Anderson Jonathan James | Buy | 4.00K | — | — |
| 2026-03-31 | DOAK MICHAEL | Buy | 4.00K | — | — |
| 2026-03-31 | Wong Janet S. | Buy | 4.00K | — | — |
| 2026-03-31 | Ferracone Robin A | Buy | 4.00K | — | — |
| 2026-03-06 | McGuire Andrew Vincent | Other | 0 | — | — |
| 2025-12-01 | Vijaya Gopal Mohan Babu | Buy | 427 | — | — |
| 2025-11-07 | Vijaya Gopal Mohan Babu | Other | 0 | — | — |
| 2025-07-17 | Bunch Charles Alexander | Sell | 6.19K | $33.16 | 205.16K |
| 2025-07-17 | Benes Julie E. | Sell | 6.19K | $33.16 | 205.16K |
| 2025-07-17 | Zwinggi Janice E. | Sell | 7.34K | $33.16 | 243.33K |
| 2025-07-17 | Nolan Katherine C | Sell | 11.59K | $33.16 | 384.26K |
| 2025-07-17 | Bunch Michelle Caroline | Sell | 17.75K | $33.16 | 588.56K |
| 2025-07-17 | Bunch Richard F. III | Sell | 17.75K | $33.16 | 588.56K |
| 2025-03-31 | Bunch Michelle Caroline | Buy | 16.18K | — | — |
| 2025-03-31 | Bunch Michelle Caroline | Buy | 2.59K | — | — |
| 2025-03-31 | Bunch Richard F. III | Buy | 16.18K | — | — |
| 2025-03-31 | Bunch Richard F. III | Buy | 2.59K | — | — |
| 2025-03-31 | Anderson Jonathan James | Buy | 2.59K | — | — |
| 2025-03-31 | Ferracone Robin A | Buy | 2.59K | — | — |
| 2025-03-31 | Benes Julie E. | Buy | 2.59K | — | — |
| 2025-03-31 | Zwinggi Janice E. | Buy | 6.47K | — | — |
| 2025-03-31 | Nolan Katherine C | Buy | 6.47K | — | — |
| 2025-03-31 | Bunch Charles Alexander | Buy | 2.59K | — | — |
| 2025-03-31 | Padgett Gene | Buy | 1.78K | — | — |
| 2025-03-31 | DOAK MICHAEL | Buy | 2.59K | — | — |
| 2025-03-31 | Wong Janet S. | Buy | 2.59K | — | — |
| 2025-01-20 | Padgett Gene | Other | 0 | — | — |
| 2025-01-17 | Bunch Michelle Caroline | Sell | 13.10K | $30.70 | 402.02K |
| 2025-01-17 | Bunch Richard F. III | Sell | 13.10K | $30.70 | 402.02K |
| 2025-01-17 | Bunch Charles Alexander | Sell | 6.45K | $30.70 | 197.92K |
| 2025-01-17 | Zwinggi Janice E. | Sell | 7.59K | $30.70 | 233.07K |
| 2025-01-17 | Nolan Katherine C | Sell | 7.43K | $30.70 | 228.13K |
| 2025-01-17 | Benes Julie E. | Sell | 6.45K | $30.70 | 197.92K |
| 2024-11-26 | Benes Julie E. | Buy | 950 | $33.53 | 31.85K |
| 2024-07-19 | Bunch Charles Alexander | Buy | 72 | $17.00 | 1.22K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 83, holders -3 vs prior quarter. Ownership 69.59%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BAMCO INC /NY/ | 1.14M | -8 | -0.00% | 27.30M |
| FRANKLIN TEMPLETON INC | 781.91K | 771.91K | +7719.12% | 18.80M |
| T. ROWE PRICE INVESTMENT MANAGEMENT, INC. | 753.68K | -1.35M | -64.10% | 18.13M |
| GIVERNY CAPITAL INC. | 652.45K | 100.34K | +18.17% | 15.69M |
| CENTRAL SECURITIES CORP | 500.00K | 0 | 0.00% | 12.03M |
| VANGUARD CAPITAL MANAGEMENT LLC | 489.24K | -81.29K | -14.25% | 11.77M |
| MARSHALL WACE, LLP | 408.73K | 141.90K | +53.18% | 9.83M |
| TWO SIGMA INVESTMENTS, LP | 372.37K | 167.15K | +81.45% | 8.96M |
| JANE STREET GROUP, LLC | 353.22K | 184.21K | +109.00% | 8.49M |
| RIVERBRIDGE PARTNERS LLC | 332.66K | -216.96K | -39.47% | 8.00M |
| BLACKROCK, INC. | 222.38K | 35.04K | +18.70% | 5.35M |
| GILDER GAGNON HOWE & CO LLC | 221.18K | -2.46K | -1.10% | 5.32M |
| ALYESKA INVESTMENT GROUP, L.P. | 215.78K | 0 | 0.00% | 5.19M |
| CITADEL ADVISORS LLC | 214.59K | 105.09K | +95.97% | 5.16M |
| ASCENT GROUP, LLC | 212.31K | 37.87K | +21.71% | 5.11M |
| GEODE CAPITAL MANAGEMENT, LLC | 174.21K | -7.88K | -4.33% | 4.19M |
| RENAISSANCE TECHNOLOGIES LLC | 149.90K | 31.57K | +26.68% | 3.61M |
| GILLSON CAPITAL LP | 148.66K | 20.00K | +15.54% | 3.58M |
| POINT72 ASSET MANAGEMENT, L.P. | 135.14K | 70.47K | +108.97% | 3.25M |
| MORGAN STANLEY | 127.88K | 16.35K | +14.66% | 3.08M |
| GOLDMAN SACHS GROUP INC | 114.68K | -8.15K | -6.64% | 2.76M |
| TUDOR INVESTMENT CORP ET AL | 102.59K | 73.43K | +251.76% | 2.47M |
| DIMENSIONAL FUND ADVISORS LP | 93.73K | 26.12K | +38.64% | 2.25M |
| TREXQUANT INVESTMENT LP | 87.37K | 49.99K | +133.74% | 2.10M |
| BANK OF AMERICA CORP /DE/ | 84.57K | 30.46K | +56.29% | 2.03M |
Earnings and financials
TWFG, Inc. Common Stock (TWFG) trades at $27.22, with a market cap of $350.54M and a trailing P/E of n/a. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
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