TWFG - NASDAQ

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TWFG, Inc. Common Stock

TWFGยทNASDAQ

$19.10

-2.6%
Financial ServicesInsurance - Brokers

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$248.24M
EPS0.5300
P/E Ratio54.27
Earnings Date08/11/2026
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TWFG, Inc. Common Stock Fair Value Envelope

TWFG ยท NASDAQ

Our analysis suggests that TWFG has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $19.1, this represents a potential HIDDEN relative to our calculated worth for TWFG, Inc. Common Stock.

HIDDEN
Intrinsic Value
Current Price: $19.1

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$17.9B
+ Cash & Equivalents$155.9M
Firm Value$18.1B
- Debt$11.1M
Equity Value$18.1B
/ Shares Outstanding15,005,464B
DCF Value$1.2K
UNDERVALUED BY 6200%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$76.3M
$108.7M
$155.0M
$221.0M
$315.1M
$449.2M
$640.4M
$912.9M
$1.3B
$1.9B
Maintenance CapEx
-$101.5K
-$144.7K
-$206.3K
-$294.1K
-$419.3K
-$597.8K
-$852.2K
-$1.2M
-$1.7M
-$2.5M
Owner Earnings
$76.2M
$108.6M
$154.8M
$220.7M
$314.7M
$448.6M
$639.5M
$911.7M
$1.3B
$1.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$70.5M
$93.1M
$122.9M
$162.2M
$214.1M
$282.7M
$373.2M
$492.6M
$650.2M
$858.3M
Terminal Value represents 81.5% of Enterprise Value

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3

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4

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5

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6

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