{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-051588","form_type":"8-K","ticker":"TWFG","cik":"0002007596","company_name":"TWFG, Inc.","filed_at":"2025-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.270127+00:00","generated_at":"2026-05-16T21:48:53.444894+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"TWFG Q3 revenue up 21.3% to $64.1M; appoints Katherine Nolan as President","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-051588","json":"https://secwatch.observer/filing/0001628280-25-051588.json","markdown":"https://secwatch.observer/filing/0001628280-25-051588.md","text":"https://secwatch.observer/filing/0001628280-25-051588.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2007596/000162828025051588/0001628280-25-051588-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2007596/000162828025051588/twfg-20251112.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T21:48:53.444894+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"}