TWFG (NASDAQ:TWFG) Releases Earnings Results, Beats Expectations By $0.09 EPS

TWFG (NASDAQ:TWFG) issued its quarterly earnings data on Thursday. The company reported $0.29 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.20 by $0.09, FiscalAI reports. TWFG had a net margin of 3.11% and a return on equity of 13.51%. The firm had revenue of $72.84 million during the quarter, compared to the consensus estimate of $67.67 million.

Here are the key takeaways from TWFG’s conference call:

• TWFG reported 35.3% revenue growth (to $72.8M), $458.2M written premiums (up 23.5%), and adjusted EBITDA up 73.9% to $21.2M with a 650 bps margin expansion to 29.1%.
• Management reaffirmed full‑year guidance — total revenue growth 15%–20% ($285M–$300M), organic revenue 10%–15%, and adjusted EBITDA margin 22%–25% — after 10.1% organic growth in Q1.
• A material portion of near‑term margin improvement came from the TWFG MGA Florida takeout program that generated commission income without commission expense; that advantage will fade as those policies renew and normal commissions resume.
• Company completed strategic acquisitions (Lofton Wells, APIA, Fortress), repurchased ~$40M of a $50M buyback, and maintains a strong liquidity position ($124.8M cash, $50M undrawn revolver), supporting accretive M&A and capital flexibility.
• TWFG is scaling proprietary technology and AI capabilities (new CTO, ~44 tech staff, embedded underwriting data), which management says creates a competitive moat and the potential for long‑term productivity and margin gains.

TWFG Price Performance

Shares of NASDAQ TWFG traded up $0.43 during mid-day trading on Thursday, hitting $19.35. 266,069 shares of the company’s stock traded hands, compared to its average volume of 248,031. The company has a market capitalization of $1.09 billion, a P/E ratio of 37.94 and a beta of 0.46. TWFG has a 1 year low of $16.56 and a 1 year high of $36.85. The company’s 50-day moving average is $19.12 and its two-hundred day moving average is $23.55. The company has a debt-to-equity ratio of 0.01, a current ratio of 107.86 and a quick ratio of 107.86.

Analysts Set New Price Targets

Several research firms have issued reports on TWFG. Piper Sandler cut their price target on TWFG from $32.00 to $22.00 and set an “overweight” rating for the company in a report on Monday, February 23rd. Zacks Research raised TWFG from a “hold” rating to a “strong-buy” rating in a research note on Thursday, April 9th. Weiss Ratings reiterated a “sell (d+)” rating on shares of TWFG in a research note on Monday. Keefe, Bruyette & Woods reduced their target price on shares of TWFG from $31.00 to $25.00 and set a “market perform” rating for the company in a report on Tuesday, April 7th. Finally, Morgan Stanley decreased their target price on shares of TWFG from $28.00 to $24.00 and set an “equal weight” rating on the stock in a research note on Monday, April 6th. One equities research analyst has rated the stock with a Strong Buy rating, three have given a Buy rating, three have given a Hold rating and one has assigned a Sell rating to the company. Based on data from MarketBeat.com, TWFG has a consensus rating of “Moderate Buy” and an average price target of $26.50.

Hedge Funds Weigh In On TWFG

A number of large investors have recently bought and sold shares of the business. T. Rowe Price Investment Management Inc. increased its stake in TWFG by 0.9% in the fourth quarter. T. Rowe Price Investment Management Inc. now owns 2,847,719 shares of the company’s stock worth $81,929,000 after purchasing an additional 26,742 shares during the period. Bamco Inc. NY lifted its position in shares of TWFG by 3.9% during the second quarter. Bamco Inc. NY now owns 902,061 shares of the company’s stock worth $31,572,000 after purchasing an additional 34,237 shares during the last quarter. Vanguard Group Inc. boosted its stake in shares of TWFG by 3.2% during the third quarter. Vanguard Group Inc. now owns 639,711 shares of the company’s stock valued at $17,554,000 after purchasing an additional 19,720 shares during the period. Victory Capital Management Inc. boosted its stake in shares of TWFG by 57.4% during the third quarter. Victory Capital Management Inc. now owns 351,478 shares of the company’s stock valued at $9,645,000 after purchasing an additional 128,180 shares during the period. Finally, Giverny Capital Inc. grew its holdings in shares of TWFG by 68.9% in the third quarter. Giverny Capital Inc. now owns 300,317 shares of the company’s stock worth $8,241,000 after purchasing an additional 122,469 shares during the last quarter.

TWFG Company Profile

TWFG Insurance Services, Inc operates as a property and casualty insurance distribution company that provides personal and commercial insurance solutions through a hybrid model of company-owned branches and franchised offices. The firm offers a broad spectrum of insurance products, including auto, homeowners, renters, umbrella, flood and specialty lines coverage, tailored to meet the needs of individuals, families and businesses. By partnering with multiple insurance carriers, TWFG delivers competitive pricing and customized policy options designed to help clients manage risk and protect their assets.

Founded in 1980 and headquartered in Odessa, Texas, TWFG has expanded its network to serve customers across numerous U.S.