{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-011644","form_type":"8-K","ticker":"TWFG","cik":"0002007596","company_name":"TWFG, Inc.","filed_at":"2026-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.975947+00:00","generated_at":"2026-05-16T00:30:06.643283+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"TWFG Q4 revenues +33% to $68.8M, Adj. EBITDA +57%, authorizes $50M buyback, guides 15-20% revenue growth for 2026","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-011644","json":"https://secwatch.observer/filing/0001628280-26-011644.json","markdown":"https://secwatch.observer/filing/0001628280-26-011644.md","text":"https://secwatch.observer/filing/0001628280-26-011644.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2007596/000162828026011644/0001628280-26-011644-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2007596/000162828026011644/twfg-20260225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T00:30:06.643283+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"}