{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-013822","form_type":"8-K","ticker":"TWFG","cik":"0002007596","company_name":"TWFG, Inc.","filed_at":"2025-03-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.784843+00:00","generated_at":"2026-05-24T12:25:55.802084+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"TWFG Q4 revenue up 30.8% to $51.7M, Adj. EBITDA +91.7%; guides FY2025 rev $235-250M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-013822","json":"https://secwatch.observer/filing/0001628280-25-013822.json","markdown":"https://secwatch.observer/filing/0001628280-25-013822.md","text":"https://secwatch.observer/filing/0001628280-25-013822.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2007596/000162828025013822/0001628280-25-013822-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2007596/000162828025013822/twfg-20250319.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T12:25:55.802084+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}