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  3. TWFG
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TWFG

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    Overview
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    Valuation
    Earnings
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AI Stock Picker
AI Stock Picker
Wall Street analysts forecast TWFG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TWFG is 33.00 USD with a low forecast of 31.00 USD and a high forecast of 39.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
8 Analyst Rating
Wall Street analysts forecast TWFG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TWFG is 33.00 USD with a low forecast of 31.00 USD and a high forecast of 39.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Buy
3 Hold
0 Sell
Moderate Buy
Current: 28.540
sliders
Low
31.00
Averages
33.00
High
39.00
Current: 28.540
sliders
Low
31.00
Averages
33.00
High
39.00
RBC Capital
Outperform
initiated
$33
2025-11-24
Reason
RBC Capital
Price Target
$33
2025-11-24
initiated
Outperform
Reason
RBC Capital resumed coverage of TWFG with an Outperform rating and $33 price target as part of a broader research note launching coverage on P&C insurance carriers and brokers. Looking to 2026, the firm expects continued strong return on equity, ROE, and book value per share growth amongst carriers, though it also sees slowing top-lines limiting earnings growth, the analyst tells investors in a research note. Some earnings headwinds are emerging, with a softening P&C cycle, difficult catastrophe comps, and uncertain reserving driving RBC's expectations for ROE compression and limited sector performance, the firm added. For the company, RBC is positive on TWFG's compelling long-term growth outlook in the fragmented Personal Lines brokerage space and high quality management team.
JPMorgan
Neutral
maintain
$30 -> $31
2025-11-17
Reason
JPMorgan
Price Target
$30 -> $31
2025-11-17
maintain
Neutral
Reason
JPMorgan raised the firm's price target on TWFG to $31 from $30 and keeps a Neutral rating on the shares. The firm upped estimates post the Q3 report.
Morgan Stanley
Equal Weight
maintain
$30 -> $31
2025-11-17
Reason
Morgan Stanley
Price Target
$30 -> $31
2025-11-17
maintain
Equal Weight
Reason
Morgan Stanley raised the firm's price target on TWFG to $31 from $30 and keeps an Equal Weight rating on the shares. The firm updated models in the insurance space post the Q3 reports. For property and casualty, Morgan Stanley sees a softening cycle heading into 2026, the analyst tells investors.
Morgan Stanley
Equal Weight
downgrade
$35 -> $32
2025-08-18
Reason
Morgan Stanley
Price Target
$35 -> $32
2025-08-18
downgrade
Equal Weight
Reason
Morgan Stanley lowered the firm's price target on TWFG to $32 from $35 and keeps an Equal Weight rating on the shares. The firm is updating its price targets on Property & Casualty Insurance stocks under its coverage following Q2 results, the analyst tells investors. Themes across the P&C insurance sector include: increased competition in the personal auto insurance market; cautious optimism over growth opportunities in commercial lines; softened reinsurance pricing through mid-year renewals; and in-line Q2 results delivered by brokers, the analyst tells investors.
Piper Sandler
Paul Newsome
Overweight -> Overweight
downgrade
$38 -> $32
2025-08-14
Reason
Piper Sandler
Paul Newsome
Price Target
$38 -> $32
2025-08-14
downgrade
Overweight -> Overweight
Reason
Piper Sandler analyst Paul Newsome lowered the firm's price target on TWFG to $32 from $38 and keeps an Overweight rating on the shares following quarterly results. The firm thinks some investors may be concerned about the lower level of organic growth in the quarter as well as the lower guidance. As the personal lines market softens it is reasonable to assume some directional shifts in organic growth, however management remains confident in double-digit growth in the near term and 2026. Offsetting lower growth in the quarter was margin expansion that was higher than Piper expected.
UBS
Brian Meredith
Buy
maintain
$40 -> $42
2025-07-09
Reason
UBS
Brian Meredith
Price Target
$40 -> $42
2025-07-09
maintain
Buy
Reason
UBS analyst Brian Meredith raised the firm's price target on TWFG to $42 from $40 and keeps a Buy rating on the shares. P&C Insurance stocks under coverage were down 4% in 2Q25, on average, reflecting less favorable fundamentals and a shift from defensive stocks to more economically sensitive stocks, the analyst tells investors in a research note. UBS favors Personal lines insurers into 2Q25 results where margins remain attractive.
See All Ratings

Valuation Metrics

The current forward P/E ratio for TWFG Inc (TWFG.O) is 34.09, compared to its 5-year average forward P/E of 44.55. For a more detailed relative valuation and DCF analysis to assess TWFG Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Undervalued
5Y Average PE
44.55
Current PE
34.09
Overvalued PE
52.07
Undervalued PE
37.03

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
9.67
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
10.86
Undervalued EV/EBITDA
8.49

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
1.83
Current PS
0.00
Overvalued PS
2.07
Undervalued PS
1.60
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
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Net Margin - %
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ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Intellectia AI SwingMax
Intellectia AI SwingMax

TWFG News & Events

Events Timeline

(ET)
2025-11-12
17:08:18
TWFG announces Q3 adjusted EPS of 23 cents, surpassing consensus estimate of 19 cents
select
2025-11-04 (ET)
2025-11-04
07:53:25
TWFG Expands Southeastern Presence with Acquisition of Alabama Insurance Agency
select
2025-08-12 (ET)
2025-08-12
10:06:55
TWFG announces acquisition of Angers & Litz Associates
select
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News

[object Object]
Preview
9.5
11-13NASDAQ.COM
TWFG, Inc. (TWFG) Announces Q3 Earnings: Insights from Key Metrics

  • Quarterly Performance: TWFG, Inc. reported a revenue of $64.12 million for Q3 2025, marking a 17.4% increase year-over-year, with an EPS of $0.23 compared to $0.15 in the previous year.

  • Earnings Surprises: The revenue fell slightly short of the Zacks Consensus Estimate by 0.27%, while the EPS exceeded expectations by 21.05%, indicating strong underlying performance.

  • Investment Insights: Key metrics are essential for understanding a company's performance beyond headline numbers, helping investors make informed decisions about stock price projections.

  • Technological Advancements: The convergence of artificial intelligence and quantum computing is highlighted as a significant opportunity for wealth-building, with recommendations for stocks poised to benefit from this technological shift.

[object Object]
Preview
9.5
11-13NASDAQ.COM
TWFG, Inc. (TWFG) Exceeds Q3 Earnings Projections

  • Earnings Performance: TWFG, Inc. reported quarterly earnings of $0.23 per share, exceeding the Zacks Consensus Estimate of $0.19, and showing an increase from $0.15 per share a year ago, marking a +21.05% earnings surprise.

  • Revenue Insights: The company generated revenues of $64.12 million for the quarter, slightly missing the consensus estimate, but still up from $54.64 million year-over-year, with two revenue estimate beats in the last four quarters.

  • Stock Outlook: Despite the earnings beat, TWFG shares have declined by 15.5% this year, and the current Zacks Rank of #4 (Sell) suggests potential underperformance in the near future, influenced by unfavorable estimate revisions.

  • Industry Context: The Insurance - Multi line industry ranks in the top 22% of Zacks industries, indicating a generally favorable outlook, while investors are advised to monitor earnings estimates for both TWFG and other companies like Bitcoin Depot Inc. (BTM), which is set to report soon.

[object Object]
Preview
8.5
11-04Newsfilter
TWFG, Inc. Expands Southeastern Presence with Acquisition of Alabama Insurance Agency, Inc.

  • Acquisition Announcement: TWFG, Inc. has acquired Alabama Insurance Agency, Inc. along with its 20 locations in Alabama, enhancing its presence in the Southeastern U.S.

  • Strategic Benefits: The acquisition aims to leverage TWFG's national scale, technology, and carrier relationships to improve service delivery and customer experience for Alabama Insurance Agency's clients.

  • Leadership Statements: Gene Ruggario, President of Alabama Insurance Agencies, expressed confidence in the partnership, highlighting benefits for customers, staff, and carrier partners, while TWFG's CEO Gordy Bunch emphasized alignment in values and mission.

  • Company Overview: TWFG Insurance is a major independent distribution platform for personal and commercial insurance in the U.S., committed to innovative solutions and customer care through a network of agents and technology.

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FAQ

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What is TWFG Inc (TWFG) stock price today?

The current price of TWFG is 28.54 USD — it has increased 0.92 % in the last trading day.

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What is TWFG Inc (TWFG)'s business?

TWFG, Inc. provides an independent distribution platform for personal and commercial insurance in the United States. Its offerings are fulsome and flexible in that it offers all lines of insurance, multiple distribution contract options, mergers and acquisitions (M&A) services, proprietary virtual assistants, proprietary technology, proprietary premium financing, unlimited continuing education, recognition programs, co-op funding, marketing support and overall lower costs to operate. Its business model, developed by agents for agents, serves over 2,500 TWFG Agencies and offers a distinctive level of autonomy and entrepreneurial opportunity. It provides TWFG Agencies with resources, technology, training, and insurance carrier access to succeed in an increasingly complex market. Its independent distribution platform offers its branches and managing general agency (MGA) agencies a choice of contracts to execute with it, including branch contracts, MGA contracts and producer contracts.

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What is the price predicton of TWFG Stock?

Wall Street analysts forecast TWFG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TWFG is 33.00 USD with a low forecast of 31.00 USD and a high forecast of 39.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is TWFG Inc (TWFG)'s revenue for the last quarter?

TWFG Inc revenue for the last quarter amounts to 64.12M USD, increased 17.36 % YoY.

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What is TWFG Inc (TWFG)'s earnings per share (EPS) for the last quarter?

TWFG Inc. EPS for the last quarter amounts to 0.11 USD, increased 37.50 % YoY.

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What changes have occurred in the market's expectations for TWFG Inc (TWFG)'s fundamentals?

The market is revising Downward the revenue expectations for TWFG, Inc. (TWFG) for FY2025, with the revenue forecasts being adjusted by -0.42% over the past three months. During the same period, the stock price has changed by 10.45%.
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How many employees does TWFG Inc (TWFG). have?

TWFG Inc (TWFG) has 264 emplpoyees as of December 05 2025.

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What is TWFG Inc (TWFG) market cap?

Today TWFG has the market capitalization of 1.60B USD.

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