The combination of strong organic growth, margin expansion, and a significant buyback suggests confidence in future cash flows. Traders should monitor execution against the 2026 guidance, particularly the 10-15% organic growth target, as continued outperformance could drive further multiple expansion.
Price Chart
Executive Summary
TWFG reported strong Q4 and full-year 2025 results with revenue up 33.0% YoY to $68.8M and net income of $14.4M, driven by double-digit organic growth and MGA expansion. The company also announced a $50M share repurchase program and provided 2026 guidance for 15-20% revenue growth, signaling confidence in sustained momentum.
Key Financial Metrics
Key Facts
- Q4 revenue increased 33.0% YoY to $68.8 million
- Q4 net income was $14.4 million, up from $8.2 million in prior year
- Organic revenue growth was 11.7% for the quarter
- Adjusted EBITDA increased 56.9% to $21.7 million
- Board authorized $50 million share repurchase program
- 2026 guidance calls for 15-20% revenue growth ($285M-$300M)
Financial Impact
Revenue increased by $17.1 million YoY in Q4, with net income up $6.2 million. The $50M share repurchase represents approximately 10% of current market cap.
Segment Breakdown
| Segment | Revenue | Growth |
|---|---|---|
| Agency-in-a-Box | $39.9M | +13.5% |
| Corporate Branches | $10.2M | +36.1% |
| TWFG MGA | $18.2M | +110.0% |
Risk Factors
- Valuation could be sensitive to any miss on the aggressive 2026 guidance
- MGA acquisitions, while accretive, carry integration risk
- The business is exposed to insurance pricing cycles and carrier capacity
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-011644 |
| Document: twfg-20260225.htm | 0001628280-26-011644 |
| Document: 0001628280-26-011644-index-headers.html | 0001628280-26-011644 |
| Document: 0001628280-26-011644-index.html | 0001628280-26-011644 |
| Document: 0001628280-26-011644.txt | 0001628280-26-011644 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 30, 2026 12w ago | Press Release | $26.91 $28.29 | ▲ +5.13% | ▲ +2.66% | $27.18 (+1.00%) |
Jul 29, 2026 12w ago | Press Release | $26.91 $28.29 | ▲ +5.13% | ▲ +2.66% | $27.18 (+1.00%) |
Jun 8, 2026 20w ago | Insider Buy | $20.65 $30.07 | ▲ +45.59% | ▲ +41.78% | $27.18 (+31.62%) |
May 4, 2026 25w ago | Press Release | $19.13 $26.91 | ▲ +40.67% | ▲ +37.93% | $27.18 (+42.08%) |
Apr 20, 2026 27w ago | Press Release | $20.00 $26.53 | ▲ +32.65% | ▲ +25.75% | $27.18 (+35.90%) |
Apr 10, 2026 28w ago | DEFA14A | $18.33 $26.10 | ▲ +42.39% | ▲ +33.47% | $27.18 (+48.28%) |
Feb 25, 2026 34w ago | 8-K | $19.20 $18.86 | ▼ −1.77% | ▼ −9.94% | $27.18 (+41.56%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers