Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TWFG
Strong BuyPremium GrowerFLAGTWFG, Inc. · Financial Services · United States · $387M · Avg Vol: $4M/d
Insufficient evidence for a screen-pass. TWFG, Inc.: fails the quant gate on value (Q72/V35/M71; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
COMPANY DESCRIPTION
TWFG, Inc. (The Woodlands Financial Group) is a prominent independent insurance agency and brokerage, offering a wide array of personal, commercial, and financial insurance products through its extensive network of agents. Its competitive moat is established through strong relationships with numerous insurance carriers and a widespread local presence, providing clients with diverse options and personalized service. TWFG acts as a key intermediary in the fragmented insurance market, connecting consumers with tailored coverage solutions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 147.8M | 167.0M | 193.7M | 234.0M | 16.5% | 294.7M | 295.8M | 340.6M | 20.7% |
| EPS | 0.00 | 0.00 | 0.19 | 0.51 | 168.4% | 0.60 | 0.66 | 0.67 | 14.7% |
| Shares | 13.2M | 13.2M | 14.8M | 15.0M | +14.2% | 12.9M | — | — | — |
| Debt | 13.3M | 51.8M | 10.3M | 8.2M | -14.8% | 8.5M | — | — | — |
| Equity | 57.8M | 31.1M | 73.9M | 83.4M | 13.0% | — | — | — | — |
| Op CF | 25.8M | 30.2M | 40.5M | 53.5M | 27.6% | 60.8M | — | — | — |
| Inv CF | -14.5M | -14.7M | -25.1M | -70.4M | — | — | — | — | — |
| Fin CF | -15.3M | -9.7M | 143.4M | -20.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TWFG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TWFG | TWFG, Inc.(you) | $387M | 81 | Strong Buy |
| CRD-B | Crawford & Company | $582M | 83 | Strong Buy |
| GSHD | Goosehead Insurance, Inc. | $2.5B | 54 | Hold |
| CRVL | CorVel Corporation | $3.5B | 61 | Hold |
| SLQT | SelectQuote, Inc. | $92M | 41 | Hold |
| NP | Neptune Insurance Holdings Inc. | $4.6B | 61 | Hold |
| LIFE | Ethos Technologies Inc. | $3.7B | 40 | Hold |
| BWIN | The Baldwin Insurance Group, Inc. | $3.0B | 26 | Sell |
| EHTH | eHealth, Inc. | $53M | 23 | Sell |
| NWFL | Norwood Financial Corp. | $372M | 81 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%