TWFG
Strong BuyPremium GrowerAI pickTWFG, Inc. · Financial Services · United States · $364M cap · $4.5M/day traded
$27.28 +0.1% · close 28 Oct · scored 29 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
Report expected 11 Nov: the next-year EPS estimate has risen 5.8% over the last 14 weeks.
As of 29 Oct 2026, MoatMap's StockRank for TWFG, Inc. (TWFG) is 86/100, ranked against 24,000+ stocks in 35 markets (Quality 73, Value 34, Momentum 79, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
TWFG is a US independent insurance distribution business that supports a large network of branch and franchise agencies and runs a managing general agency (MGA) that designs and places specialty programmes. The model is asset-light: it earns commissions without taking underwriting risk, and it gains as insurance premiums rise. Revenue grew 45% in the second quarter of 2026, led by the MGA, and the company has been repurchasing a meaningful share of its stock (about 10.7% of shares outstanding in the past 90 days). It has also expanded its credit facility to USD 125M to fund acquisitions. Higher premiums on personal auto and home cover, plus interest earned on client funds while rates stay elevated, give it a revenue tailwind that does not depend on the economy booming.
ABOUT TWFG, INC.
Read
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 | 298.8M | 346.4M | 21.7% |
| EPS | 0.00 | 0.00 | 0.19 | 0.51 | 168.4% | 0.59 | 0.68 | 0.69 | 16.0% |
| 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 | — | — | — | — | — |
Above its 200-day average and 13% below its 52-week high.
Swung more than 57% of stocks we rank over the past year (46% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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) | $364M | 86 | Strong Buy |
| CRD-B | Crawford & Company | $564M | 83 | Strong Buy |
| TREE | LendingTree, Inc. | $376M | 62 | Hold |
| CRVL | CorVel Corporation | $4.2B | 82 | Strong Buy |
| GSHD | Goosehead Insurance, Inc. | $1.7B | 44 | Hold |
| NP | Neptune Insurance Holdings Inc. | $3.9B | 56 | Hold |
| SLQT | SelectQuote, Inc. | $55M | 46 | Hold |
| LIFE | Ethos Technologies Inc. | $2.8B | 42 | Hold |
| EHTH | eHealth, Inc. | $53M | 28 | Sell |
| BWIN | The Baldwin Insurance Group, Inc. | $4.5B | 36 | Hold |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.1%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.