TWFG Inc. Common Stock
TWFG | NASDAQ
$26.96
-$0.19 (-0.70%)
At close: Oct 30, 2026, 4:00 PM ET
$27.15
+$0.19 (+0.71%)
Pre-market:
Nov 2, 2026, 4:01 AM ET
Market Data
Market Cap $347.25M
Enterprise Value $281.15M
Beta 0.15
Average Volume 157.22K
Shares Outstanding (Diluted) 13.1M
Shares Change YoY -13.14%
Institutional Ownership 69.59%
Exchange NASDAQ
ISIN US87318A1016
Price Performance
Price Change 1M 12.3%
Price Change 3M 0.6%
Price Change 6M 43.6%
Price Change YTD -6.3%
Price Change 1Y 10.7%
Price Change 3Y N/A
Price Change 5Y N/A
1M CAGR (ann.) 0.9%
1Y CAGR (ann.) 10.8%
5Y CAGR (ann.) N/A
All-Time CAGR 9.3%
Valuation
PE Ratio 72.86
Forward PE 5.34
PEG Ratio -2.13
Forward PEG 0.92
PS Ratio 1.22
Forward PS 0.90
PB Ratio 7.52
P/FCF Ratio 7.72
P/Adj. FCF Ratio 8.45
P/OCF Ratio 5.81
EV/Sales 0.99
EV/EBIT 4.68
EV/EBITDA 3.33
EV/FCF 6.25
Earnings Yield 1.4%
FCF Yield 13.0%
Adj. FCF Yield 11.8%
Financial Health
Net Cash $70.72M
Total Debt $7.64M
Cash & Short-Term Investments $73.75M
Total Assets $358.35M
Current Ratio 2.56
Quick Ratio 2.56
Debt / Equity Ratio 0.17
Debt / EBITDA 0.09
Debt / FCF 0.17
OCF / Debt 7.95
Interest Coverage 182.39
Altman Z-Score 4.72
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 27.4%
Operating Profit Margin 16.3%
EBITDA Margin 29.6%
Net Profit Margin 3.1%
FCF Margin 15.8%
Adj. FCF Margin 14.4%
SBC / Revenue 1.4%
SBC Impact (per share) -8.6%
Returns
Return on Assets 2.5%
Return on Equity 12.7%
Return on Invested Capital 14.7%
Return on Capital Employed 15.9%
Return on Tangible Assets 4.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 51.0%
Revenue CAGR 5Y N/A
Revenue CAGR 10Y N/A
EPS CAGR 3Y 160.2%
EPS CAGR 5Y N/A
EPS CAGR 10Y N/A
FCF CAGR 3Y 60.2%
FCF CAGR 5Y N/A
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Buy
Analyst Count 6
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 4, 2026
EPS Estimate (next Q) $0.26
EPS Growth Est (next Q) 13.8%
Revenue Est (next Q) $79.48M
Revenue Growth Est (next Q) 28.7%
Fair Value Estimates
Graham Number $13.51
Graham Upside -49.9%
Lynch Fair Value N/A
Lynch Upside N/A
Price Target $28.40
Price Target Upside 5.3%
Cash Flow
Operating Cash Flow $60.78M
Free Cash Flow $45M
Adj. Free Cash Flow $41.12M
FCF Per Share $3.44
OCF Per Share $4.64
OCF/S Ratio 21.4%
Income Statement
Revenue $284.63M
Gross Profit $77.83M
Operating Income $46.51M
EBITDA $84.39M
Net Income $8.8M
EPS (Diluted) $0.37
Revenue / Employee $711.56K
Profit / Employee $21.99K
Employees 400
Add to Watchlist
Select watchlists to add or remove TWFG