TWFG
Company Description
Established in 2001 and based in The Woodlands, Texas, TWFG, Inc. serves as an independent intermediary for a broad spectrum of personal and commercial insurance offerings throughout the United States. A subsidiary of Bunch Family Holdings, LLC, the company provides an extensive portfolio of coverage. For individual clients, this includes policies for automobiles, homes, renters, life, health, motorcycles, boats, recreational vehicles, umbrella, flood, wind, events, and luxury items. Commercial customers can access solutions such as general liability, property, business auto, workers' compensation, business owner policies, professional liability insurance, commercial bonds, and group benefits.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Revenue | 233.96M | 193.72M | 166.99M | 147.78M |
| Net Income | 7.96M | 2.75M | 0 | 0 |
| EPS | 0.53 | 0.19 | 0.31 | 0.03 |
| Free Cash Flow | 53.15M | 37.28M | 14.51M | 13.48M |
| FCF / Share | 3.54 | 2.52 | 1.10 | 0.02 |
| Operating CF | 53.50M | 40.48M | 30.15M | 25.75M |
| Total Assets | 370.91M | 323.43M | 115.44M | 114.15M |
| Total Debt | 11.12M | 10.30M | 51.76M | 13.31M |
| Cash & Equiv | 155.93M | 195.77M | 39.30M | 22.33M |
| Book Value | 83.09M | 73.88M | 31.05M | 57.79M |
| Return on Equity | 0.10 | 0.04 | N/A | N/A |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 72.84M | 62.54M | 61.74M | 57.89M | 51.80M | 46.46M | 51.13M | 51.35M | 44.78M | 38.20M | 46.10M | 43.98M |
| Net Income | 1.76M | 2.95M | 1.72M | 1.96M | 1.34M | 1.59M | 1.15M | 0 | 4,000 | (16.75M) | 7.61M | 7.07M |
| EPS | 0.12 | -0.16 | 0.11 | 0.49 | 0.09 | 0.11 | 0.08 | 0.53 | 0.10 | -1.27 | 0.58 | 0.01 |
| Free Cash Flow | 22.43M | 5.39M | 7.87M | 9.57M | 15.63M | 8.22M | 11.34M | 7.09M | (11.23M) | (3.06M) | 6.63M | 1.54M |
| FCF / Share | 1.52 | 0.36 | 0.52 | 0.64 | 1.05 | 0.55 | 0.77 | 0.54 | -0.85 | -0.23 | 0.50 | 0.00 |
| Operating CF | 22.72M | 13.29M | 14.95M | 9.62M | 15.64M | 11.60M | 11.72M | 7.40M | 9.75M | 6.05M | 7.39M | 6.92M |
| Total Assets | 371.18M | 370.91M | 349.17M | 342.85M | 330.53M | 323.43M | 313.09M | 157.22M | 273.31M | 115.44M | N/A | N/A |
| Total Debt | 7.56M | 11.12M | 9.02M | 9.33M | 9.69M | 10.30M | 8.90M | 50.67M | 10.58M | 51.76M | N/A | N/A |
| Cash & Equiv | 124.84M | 155.93M | 150.99M | 159.83M | 196.42M | 195.77M | 191.20M | 25.75M | 152.56M | 39.30M | N/A | N/A |
| Book Value | 69.18M | 83.09M | 79.36M | 78.67M | 75.21M | 73.88M | 71.09M | 67.51M | 56.43M | 31.05M | N/A | N/A |
| Return on Equity | 0.03 | 0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | N/A | 0.00 | -0.54 | N/A | N/A |