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TWFG

TWFG, Inc.

TWFG, Inc. is classed by the SEC under Insurance Agents, Brokers & Service (industry code 6411), based in The Woodlands, TX. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $249 million and a profit of $8 million (its filed statements).

Brokerage business Insurance Agents, Brokers & Service The Woodlands, TX filings since 2024 8 of 9 filed, 1 estimated
Ask the desk about TWFG → Compare TWFG with GSHD → Price chart on TradingView ↗ Full EDGAR file ↗ Watch TWFG →

Sector peers: GSHDLIFECRVLCRD.A

6.4/10headline grade
vs its business-model standard
6.6/10past 5.5/10present 7.7/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6411, Insurance Agents, Brokers & Service); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 6.4 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.6 out of ten, present 5.5 out of ten, future 7.7 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.2 out of ten. No warning events in its filings since 2024. 72nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 7.1 out of ten. +17.3% a year over 4 filed years; profitable in 4 of 4. 71st percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 4.5 out of ten. Share count grew 0.8% a year. 0% of cash flow returned. Insiders: 0 sales, 12 purchases. 45th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 6.7 out of ten. ROE 49%: 49¢ of profit per shareholder dollar. Leverage 78%: owes 78¢ per asset dollar. 67th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 5.2 out of ten. top 48% of 30 in its family; net margin 16.6%. 52nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 4.4 out of ten. CrossAssetData estimate 4.4/10, confidence 35 of 100 (one part). 44th percentile among 25 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Room to expand (future): 8.7 out of ten. top 13% of 29 in its family for room to expand. 87th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 7.0 out of ten. top 29% of 29 in its family for growth drivers. 71st percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 7.5 out of ten. top 25% of 25 in its family for expectations against reality. 75th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-10 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form SCHEDULE 13G/A, 2026-08-14. Filings on record since 2024. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2025: Agency 62%, TWFGMGA 21%, Contingent Income 5%, Fee Income 5%, Branch Fees 2%, Policy Fees 2%. As tagged in its annual report (Form 10-K, filed 2026-03-10).

Who runs it

Bunch, Richard F. III (President and CEO); Zwinggi, Janice E. (Chief Financial Officer); Nolan, Katherine C (Chief Operating Officer); Bunch, Charles Alexander (Chief Creative & Marketing Off); Mcguire, Andrew Vincent (Chief Underwriting Officer); Padgett, Gene (Chief Accounting Officer); Vijaya, Gopal Mohan Babu (Chief Technology Officer); Benes, Julie E. (General Counsel and Secretary); Bunch, Michelle Caroline (director); Doak, Michael (director); and 3 more. 13 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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