TWFG, Inc.
TWFGFinancial ServicesNASDAQInsurance Brokers · Last scanned Oct 26, 2026
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Daily timeframeHeadquartered within the financial services sector, TWFG, Inc. focuses on Insurance Brokers services and products. TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The company carries a $364.4M market cap, placing it firmly in the small-cap category. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits.
Market Cap
$364.4M
Beta
0.28
P/E (TTM)
47.95
P/E (Fwd)
23.89
EPS (TTM)
$0.59
EPS (Fwd)
$1.18
ROE
19.3%
ROA
9.6%
Cash
$73.7M
Total Debt
$8.5M
Free CF
-$32.7M
52W Change
8.3%
Annual Financials
Cash vs Debt
Where TWFG stands vs its 150-day and 200-day moving averages
As of the October 12, 2026 close, TWFG finished 7.75% above its 150-day moving average ($22.98) and 6.54% above its 200-day moving average ($23.24). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is TWFG overbought or oversold?
At the October 12, 2026 close, TWFG's RSI(14) was 41.4, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $73.7M in cash and $8.5M in debt, TWFG maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Free cash flow is running at -$32.7M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 19.3% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 9.6% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $147.8M (2022) to $234.0M (2025), reflecting a 58% increase over the period.
TWFG's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing TWFG's risk profile alongside its fundamentals and technical indicators provides a more complete picture.