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

TWFG (NASDAQ:TWFG) posted 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. The company had revenue of $72.84 million for the quarter, compared to analyst estimates of $67.67 million. TWFG had a net margin of 3.04% and a return on equity of 15.93%.

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 Stock Down 1.2%

Shares of TWFG stock traded down $0.23 during midday trading on Friday, hitting $19.12. The company’s stock had a trading volume of 946,904 shares, compared to its average volume of 247,384. TWFG has a 1-year low of $16.56 and a 1-year high of $36.85. The company has a quick ratio of 107.86, a current ratio of 107.86 and a debt-to-equity ratio of 0.01. The firm has a market capitalization of $1.07 billion, a P/E ratio of 35.41 and a beta of 0.46. The stock has a 50-day simple moving average of $19.12 and a 200-day simple moving average of $23.55.

More TWFG News

Here are the key news stories impacting TWFG this week:

• Positive Sentiment: TWFG reported strong Q1 2026 results, with adjusted EPS of $0.29 topping estimates and revenue of $72.8 million beating expectations, driven by 35.3% year-over-year revenue growth and 73.9% growth in adjusted EBITDA. TWFG Announces First Quarter 2026 Results
• Positive Sentiment: The company reiterated FY2026 revenue guidance of $285 million to $300 million and maintained a 22% to 25% adjusted EBITDA margin target, signaling management confidence in continued profitability. TWFG outlines FY2026 revenue of $285M-$300M while reaffirming 22%-25% adjusted EBITDA margin
• Positive Sentiment: TWFG also said it repurchased $40 million of shares under its authorized buyback plan, which can support per-share value. TWFG Announces First Quarter 2026 Results
• Neutral Sentiment: Piper Sandler lowered its price target on TWFG to $22 from $24, but kept an “overweight” rating, suggesting the firm still sees upside from current levels. Benzinga article
• Neutral Sentiment: Investors also watched the company’s earnings call transcript and key metric details for further color on margins, growth, and guidance. TWFG, Inc. (TWFG) Q1 2026 Earnings Call Transcript

Wall Street Analysts Forecast Growth

A number of research analysts have commented on TWFG shares. Piper Sandler cut their price objective on TWFG from $24.00 to $22.00 and set an “overweight” rating on the stock in a research note on Friday. JPMorgan Chase & Co. dropped their price target on TWFG from $27.00 to $24.00 and set a “neutral” rating on the stock in a research report on Thursday, April 9th. Wall Street Zen cut TWFG from a “buy” rating to a “hold” rating in a research note on Sunday, May 3rd. Zacks Research upgraded shares of TWFG from a “hold” rating to a “strong-buy” rating in a research note on Thursday, April 9th. Finally, Morgan Stanley dropped their target price on shares of TWFG from $28.00 to $24.00 and set an “equal weight” rating on the stock in a report on Monday, April 6th. One research analyst has rated the stock with a Strong Buy rating, three have assigned a Buy rating, three have given a Hold rating and one has issued a Sell rating to the company. According to MarketBeat, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $26.50.

Hedge Funds Weigh In On TWFG

A number of hedge funds have recently modified their holdings of TWFG. Schonfeld Strategic Advisors LLC boosted its holdings in TWFG by 7.5% in the third quarter. Schonfeld Strategic Advisors LLC now owns 13,936 shares of the company’s stock worth $382,000 after purchasing an additional 970 shares in the last quarter. Quantbot Technologies LP raised its holdings in TWFG by 52.5% during the second quarter. Quantbot Technologies LP now owns 4,053 shares of the company’s stock valued at $142,000 after buying an additional 1,395 shares in the last quarter. State of Wyoming lifted its position in shares of TWFG by 42.0% in the second quarter. State of Wyoming now owns 5,188 shares of the company’s stock worth $182,000 after buying an additional 1,535 shares during the last quarter. Price T Rowe Associates Inc. MD lifted its position in shares of TWFG by 5.8% in the fourth quarter. Price T Rowe Associates Inc. MD now owns 33,018 shares of the company’s stock worth $950,000 after buying an additional 1,800 shares during the last quarter. Finally, Royal Bank of Canada boosted its stake in shares of TWFG by 40.5% during the 4th quarter. Royal Bank of Canada now owns 7,178 shares of the company’s stock worth $207,000 after acquiring an additional 2,069 shares in the last quarter.

About TWFG

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.