{"filings":[{"id":721838,"accession_number":"0001628280-26-038800","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2026-05-28T20:07:10+00:00","items":["5.07","9.01"],"status":"ready","headline":"TWFG shareholders elect all six director nominees and ratify Deloitte as auditor at 2026 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All six board nominees elected with votes 'for' ranging from 346.2M to 350.0M; withheld votes minimal and broker non-votes of 1.5M each.","Ratification of Deloitte & Touche as independent auditor for FY 2026 passed with 352.1M for, 28K against, 50K abstain.","Total voting power present was approximately 352.2M shares, representing 85.15% of entitled voting power.","Annual meeting held on May 27, 2026; no other material business was conducted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97165,"accession_number":"0001628280-26-032140","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG Q1 2026: Revenue $72.8M (+35.3%), Adj. EBITDA $21.2M (+73.9%), net income $13.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues grew 35.3% to $72.8M; organic revenue growth rate 10.1%.","Net income $13.1M vs $6.9M YoY; diluted EPS $0.12, adj. diluted EPS $0.29.","Adjusted EBITDA $21.2M, up 73.9% YoY; margin expanded 650 bps to 29.1%.","Share repurchase: $40M repurchased under $50M authorization; $10M remaining.","Full-year guidance reaffirmed: 15-20% total revenue growth, 10-15% organic, adj. EBITDA margin 22-25%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":72841000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":111713,"accession_number":"0001628280-26-011644","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2026-02-25T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"TWFG Q4 revenues +33% to $68.8M, Adj. EBITDA +57%, authorizes $50M buyback, guides 15-20% revenue growth for 2026","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 total revenue $68.8M (+33% YoY); net income $14.4M vs $8.2M; Adj. EBITDA $21.7M (+56.9%).","Full year revenue $247.1M (+21.3%); net income $39.8M; diluted EPS $0.51; adj. diluted EPS $0.88.","Organic revenue growth 11.7% in Q4 (11.6% FY); improving retention and new business across lines.","Board authorized $50M share repurchase program; acquisitions of Loften Wells Insurance and Asset Protection Insurance announced.","2026 guidance: revenue $285-300M (15-20% growth); Adj. EBITDA margin 22-25%; organic growth 10-15%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":248512000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128348,"accession_number":"0001628280-25-051588","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"TWFG Q3 revenue up 21.3% to $64.1M; appoints Katherine Nolan as President","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $64.1M (up 21.3% YoY); net income $9.6M vs $6.9M; diluted EPS $0.11, adjusted diluted EPS $0.23.","Adjusted EBITDA $17.0M (+44.7% YoY); margin 26.5% vs 22.2% (430 bps improvement).","Total Written Premium $467.7M (+16.9%); MGA premium up 19.2%; organic revenue growth 10.2%.","Full-year 2025 guidance: total revenues $240-245M, organic growth 11-13%, adjusted EBITDA margin 24-25%.","Katherine Nolan, former COO, appointed President effective Nov 7, 2025; no new compensation arrangements."],"consensus_eps_estimate":null,"consensus_eps_actual":0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":178254000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145149,"accession_number":"0002007596-25-000021","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG Q2 2025 revenue $60.3M (+13.8%); adjusted EBITDA $15.1M (+40.7%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $60.3M, +13.8% YoY; net income $9.0M vs $6.9M; diluted EPS $0.13.","Adjusted EBITDA $15.1M (+40.7%); margin expanded to 25.1% from 20.3%.","Organic Revenue Growth Rate 10.6%; full-year guidance: rev $240-255M, organic growth 11-14%.","Completed four acquisitions in Q2, added nine retail branches and expanded into Kentucky.","Cash $159.8M; $50M revolver undrawn; term notes $5.0M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":114131000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163551,"accession_number":"0001628280-25-028188","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"TWFG shareholders elect six directors and ratify Deloitte as auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All six director nominees elected: Bunch III, Doak, Anderson, Bunch, Ferracone, Wong; votes ranged from 351.7M to 356.5M for.","Ratification of Deloitte & Touche as independent auditor for FY 2025 approved: 357.2M for, 0.5M against.","Annual meeting held May 28, 2025; quorum present; broker non-votes of 1.1M on director elections."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163550,"accession_number":"0001628280-25-025115","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-05-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG Q1 revenue up 16.6% to $53.8M; raises FY2025 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $53.8M (+16.6% YoY); total written premium $371.0M (+15.5%).","Net income $6.9M ($0.09 diluted EPS); adjusted diluted EPS $0.16.","Adjusted EBITDA $12.2M (+35.3% YoY); margin expanded to 22.6% from 19.5%.","Organic revenue growth rate 14.3%; commission income $48.8M (+14.7%).","Raised FY2025 guidance: revenues $240-255M, organic growth 12-16%, adj. EBITDA margin 20-22%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":53823000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163549,"accession_number":"0001628280-25-021633","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-05-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"TWFG acquires two insurance agencies in TX and NC; hires Denise Davis as VP of Retail Operations","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired Denise Davis Insurance in Tomball, TX, converted to TWFG Corporate Branch effective April 1, 2025.","Denise Davis appointed VP of Retail Operations; to bring tech expertise to scale over 500 locations in 33 states.","Acquired Paul Mears Insurance Group in NC (3 locations, 16 employees) effective May 1, 2025.","Paul Mears, Kelly Bowers-Messenheimer, and Adam Mears will continue to lead the NC agency.","TWFG now has 9 locations in North Carolina following the Paul Mears acquisition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163548,"accession_number":"0001628280-25-017074","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-04-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TWFG grants RSUs and PSUs to CEO, CFO, and COO under 2024 Incentive Plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Bunch III receives 16,175 RSUs (3yr vest) and 16,176 target PSUs (2yr performance period, 0-150% payout).","CFO Zwinggi and COO Nolan each receive 6,470 RSUs and 6,470 target PSUs.","PSUs based on cumulative EBITDA and revenue goals through Dec 31, 2026; service requirement through Mar 31, 2028.","Awards approved by compensation committee on March 31, 2025; forms filed as exhibits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181463,"accession_number":"0001628280-25-013822","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-03-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG Q4 revenue up 30.8% to $51.7M, Adj. EBITDA +91.7%; guides FY2025 rev $235-250M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 total revenue $51.7M (+30.8% YoY); net income $8.2M vs $5.2M.","Q4 Adjusted EBITDA $13.8M (+91.7% YoY); margin 26.8% vs 18.3%.","FY2024 total revenue $203.8M (+18.4%); net income $28.6M vs $26.1M.","2025 guidance: revenue $235-250M, organic growth 11%-16%, Adj. EBITDA margin 19%-21%.","CEO: 100+ new branches launched in 2024, expect contribution to long-term organic growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181462,"accession_number":"0001628280-25-009535","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-03-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG prelim Q4 rev $49-51M (+24-29%), FY rev $201-203M (+16-18%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue expected $49-51M, up 23.8-28.9% YoY; FY revenue $201-203M, up 16.5-18.2% YoY.","Q4 written premium $361M (+20% YoY); FY written premium ~$1.5B (+18% YoY).","Q4 organic revenue growth rate 20.2-20.8%; FY organic growth rate 14-15% (non-GAAP).","Full earnings release and conference call expected mid-March 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181461,"accession_number":"0001628280-25-003007","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"TWFG Insurance expands to 15 new states and adds 144 retail locations in 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New branch locations in CO, CT, ID, IN, MO, NV, NM, OR, SC, SD, TN, WA, UT, VT, and WY.","Total retail locations now 520 nationwide; MGA agents operating in 42 states.","14 corporate locations; company licensed in all 50 states.","Expansion driven by startup agency recruitment and strategic acquisitions.","CEO Gordy Bunch cites focus on cultural fit and passionate insurance professionals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181460,"accession_number":"0001628280-25-002369","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"TWFG appoints Eugene Padgett as Chief Accounting Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eugene Padgett, former SVP and CAO at U.S. Silica, named CAO effective January 20, 2025.","Padgett reports to CFO Janice Zwinggi; base salary $300,000 with STI target 30% and LTI target 40% of base.","Padgett brings 30+ years experience including roles at Valmont Industries, DXP Enterprises, and Enbridge Energy.","No family relationships or related-party transactions disclosed per Reg S-K Items 401(d) and 404(a)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198257,"accession_number":"0002007596-24-000010","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG Q3 revenue up 14.5% to $54.6M; Adjusted EBITDA up 29.7% to $11.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total Written Premium rose 13% to $400.1M; Organic Revenue Growth Rate 7.6%.","Net income $6.9M (diluted EPS $0.08); Adjusted diluted EPS $0.15; Adjusted Net Income $8.3M.","Completed IPO in July, raising $192.9M net from 12.65M shares at $17.00.","Launched 86 new TWFG locations in Q3, entering 13 new states; agents take 2-3 years to become productive.","Cash and equivalents $191.2M; $50M unused revolver capacity; term notes payable $6.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":154219000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":214380,"accession_number":"0002007596-24-000003","cik":2007596,"company_name":"TWFG, Inc.","ticker":"TWFG","form_type":"8-K","filed_at":"2024-08-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TWFG Q2 2024: Revenue up 17.4% to $53.3M; adj. 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Wong and Robin A. Ferracone appointed to board of directors effective July 18, 2024.","Company adopted 2024 Omnibus Incentive Plan and entered into indemnification agreements with directors and officers.","In connection with IPO, amended charter and bylaws, entered into tax receivable agreement and registration rights agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1023244332.1599354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}