---
schema_version: "secwatch.filing_event.v1"
accession: "0002007596-24-000010"
form_type: "8-K"
ticker: "TWFG"
cik: "0002007596"
company_name: "TWFG, Inc."
filed_at: "2024-11-12T23:59:59+00:00"
generated_at: "2026-05-30T02:21:07.362947+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# TWFG Q3 revenue up 14.5% to $54.6M; Adjusted EBITDA up 29.7% to $11.7M

## Summary
- 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.

## SEC filing metadata
- accession: 0002007596-24-000010
- form_type: 8-K
- ticker: TWFG
- cik: 0002007596
- company_name: TWFG, Inc.
- filed_at: 2024-11-12T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2007596/000200759624000010/0002007596-24-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2007596/000200759624000010/twfg-20241112.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002007596-24-000010
- JSON: https://secwatch.observer/filing/0002007596-24-000010.json
- Plain text: https://secwatch.observer/filing/0002007596-24-000010.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.