Zacks Investment Research·Jun 18, 2026
Best Momentum Stocks to Buy for June 18thTWFG, and XPO made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on June 18, 2026.
TWFG, Inc. Common Stock(TWFG)Earnings, Financials & Key Ratios
TWFG•NASDAQ•Insurance & Managed Care
$26.02
51.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryInsurance BrokersSub-IndustryBroker consolidators and retail brokers
AboutTWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.Show more
- Revenue$234M+20.8%
- Combined Ratio89.8%+4.9%
- Net Income$8M+190.1%
- Return on Equity2.7%+50.5%
- Medical Cost Ratio73.16%-3.7%
- Operating Margin10.2%-29.2%
- Net Margin3.4%+140.2%
- ROA2.29%+83.3%
- Equity / Assets85.01%-0.1%
TWFG Price & Volume
TWFG, Inc. Common Stock (TWFG) stock price & volume — 10-year historical chart
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Aggressive Revenue Scaling Masks Regional Concentration Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Improving
Primary Risk:Texas regional catastrophe exposure
Key Thesis Takeaways
- TWFG is currently executing an aggressive growth strategy, evidenced by a 40.6% year-over-year revenue expansion in 2026Q1, though this is tempered by a high-variable-cost model that limits net margins to 3.40%.
- While the firm has successfully scaled its equity base to $69.2M from $31.1M in 2023Q4, investors should monitor the potential for localized catastrophe risk given the company's heavy geographic concentration in the Texas market.
- The recent shift toward aggressive capital return, including $16.6M in share buybacks during 2026Q1, warrants further investigation into whether this pace is sustainable given the inherent volatility in underwriting results.
Verdict Logic
while the firm demonstrates strong top-line growth of 40.6%, the high P/E of 46.41 and potential for regional catastrophe exposure suggest that the current valuation may already price in significant operational success.
TWFG Growth Metrics
TWFG, Inc. Common Stock (TWFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years16.55%
TTM27.03%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM105.29%
EPS CAGR
10 Years-
5 Years-
3 Years150.1%
TTM-16.25%
Return on Capital
10 Years22.97%
5 Years22.97%
3 Years18.96%
Last Year7.33%
TWFG Recent Earnings
TWFG, Inc. Common Stock (TWFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (88%)●Beat Revenue 3/12 qtrs (38%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.29+45.0%
$0.20
Rev
$73M+7.6%
$68M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$0.30+66.7%
$0.18
Rev
$69M+9.4%
$63M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.23+21.1%
$0.19
Rev
$62M-0.8%
$62M
Q3 2025
Aug 12, 2025Metric
Actual
Est
EPS
$0.20+11.1%
$0.18
Rev
$58M-10.8%
$65M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.29vs $0.20+45.0% | $73Mvs $68M+7.6% |
| Q1 2026 | Feb 25, 2026 | $0.30vs $0.18+66.7% | $69Mvs $63M+9.4% |
| Q4 2025 | Nov 12, 2025 | $0.23vs $0.19+21.1% | $62Mvs $62M-0.8% |
| Q3 2025 | Aug 12, 2025 | $0.20vs $0.18+11.1% | $58Mvs $65M-10.8% |
Based on last 12 quarters of dataView full earnings history →
Latest TWFG News
Recent stock market news and headlines for TWFG, Inc. Common Stock (TWFG)
Zacks Investment Research·Jun 18, 2026
New Strong Buy Stocks for June 18thTWFG, XPO, MUSA, FLYW and KNSA have been added to the Zacks Rank #1 (Strong Buy) List on June 18, 2026.
Peers Comparison
Key metrics vs top competitors for TWFG, Inc. Common Stock (TWFG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.02 | $1.46B | 51.02 | 20.77% | 3.4% | 2.7% | — | |
| $55.60 | $1.32B | 53.46 | 16.15% | 7.94% | — | — | |
| $0.73 | $127.97M | 54.58 | 15.5% | 4.45% | 12.16% | — | |
| $41.58 | $5.39B | 88.47 | 21.28% | 4.17% | 10.77% | — | |
| $102.85 | $35.93B | 8.85 | 14.27% | 24.73% | 20.48% | — | |
| $359.82 | $77.09B | 21.14 | 9.45% | 22.54% | 44.16% | — |
Compare TWFG vs Peers
TWFG, Inc. Common Stock (TWFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TWFG SEC Filings & Documents
TWFG, Inc. Common Stock (TWFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
Feb 25, 2026·SEC
Material company update
Nov 12, 2025·SEC
10-K Annual Reports
210-Q Quarterly Reports
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TWFG Frequently Asked Questions
TWFG, Inc. Common Stock (TWFG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is TWFG, Inc. Common Stock growing?
TWFG, Inc. Common Stock (TWFG) grew revenue by 20.8% over the past year. This is strong growth.
Is TWFG profitable?
Yes, TWFG, Inc. Common Stock (TWFG) is profitable, generating $8.4M in net income for fiscal year 2025 (3.4% net margin).
Dividend & Returns
What is TWFG's return on equity?
TWFG, Inc. Common Stock (TWFG) has a return on equity (ROE) of 2.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is TWFG, Inc. Common Stock's combined ratio?
TWFG, Inc. Common Stock (TWFG) has a combined ratio of 89.8%. A ratio below 100% indicates underwriting profitability.