US · TWFG
TWFG, Inc. Common Stock
- Sector
- Financial Services · Insurance - Brokers
- Headquarters
- The Woodlands, TX 77380
- Website
- twfg.com
Price · as of 2024-12-31
$18.78
Market cap 305.83M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $46.18 | +145.9% |
| Intrinsic Value(DCF) | $1,364.43 | +7,165.34% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $4.36 | -76.81% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
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| 2015 | |||||
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| 2021 | |||||
| 2022 | |||||
| 2023 | $0.00 | $0.00 | |||
| 2024 | $30.01 | $46.18 | $112.49 | $0.00 | $4.36 |
AI valuation
Our deep-learning model estimates TWFG, Inc. Common Stock's (TWFG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $46.18
- Current price
- $18.78
- AI upside
- +145.9%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$1,364.43
+7,165.34% upside
Graham-Dodd
—
— upside
Graham Formula
$4.36
-76.81% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TWFG | TWFG, Inc. Common Stock | $18.78 | 305.83M | +146% | +7,165% | — | -77% | 15.50 | 6.00 | 2.29 | 5.82 | — | 489.31 | 24.04% | 14.42% | 1.42% | 54.49% | -77.97% | 13.03% | 0.14 | 12.56 | 6.10 | 5.62 | -4.18 | -4194.00% | 1601.00% | 15697.00% | 8.41% | 1.02 | -109.52% | 2.10% | 32.60% | 46.75% | 9.23 | 6.92 | 1.33 | 7.23 |
| AMBC | Ambac Financial Group, In… | $8.29 | 397.37M | +652% | -35% | — | +433% | -7.49 | 0.52 | 1.87 | -8.51 | -1.02 | 4.70 | 59.17% | -21.40% | -235.97% | -5.31% | -3.04% | -0.71% | 0.18 | -5.38 | 4.37 | 3.65 | -3.37 | 73529.00% | -1234.00% | -9962.00% | 0.17% | 0.00 | 0.05% | 0.00% | 0.00% | 763.73% | -5.14 | 340.71 | 1.10 | 0.28 |
| BMRC | Bank of Marin Bancorp | $24.89 | 400.6M | -16% | +169% | -81% | -81% | -42.61 | 0.82 | 3.08 | -9.39 | — | 1.00 | 55.38% | -11.89% | -7.23% | -1.92% | -2.52% | -0.22% | 0.05 | -0.30 | 0.08 | 0.08 | 10.15 | -14194.00% | -1786.00% | -1789.00% | 7.77% | 0.01 | 8.34% | 4.52% | -192.60% | 50.49% | -7.73 | 3.84 | 0.92 | -0.78 |
| CCIX | Churchill Capital Corp IX… | $10.64 | 390.09M | — | — | — | — | 35.78 | 1.03 | — | -77.75 | — | 1.03 | 0.00% | — | — | 2.92% | -1.35% | 2.82% | 0.00 | — | 0.93 | 0.01 | 0.00 | -3030.00% | — | 15835.00% | -1.11% | -19.72 | -1.17% | 0.00% | 0.00% | 0.00% | -77.75 | -89.79 | — | 17.86 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| GBLI | Global Indemnity Group, L… | $28.83 | 412.96M | -1% | +105% | +53% | — | 10.57 | 0.66 | 1.04 | -12.08 | 14.99 | 0.68 | 18.28% | 12.46% | 9.80% | 6.46% | -9.84% | 2.50% | 0.02 | — | — | — | -0.11 | 7049.00% | -1646.00% | -945.00% | 8.50% | — | -8.84% | 4.34% | 45.90% | 4.45% | -13.35 | -18.89 | -1.66 | 0.84 |
| GLRE | Greenlight Capital Re, Lt… | $14.19 | 483.87M | +248% | -51% | -56% | -8% | 11.11 | 0.75 | 0.73 | 8.94 | — | 0.75 | 6.78% | 6.72% | 6.61% | 6.95% | 6.85% | 2.28% | 0.10 | 4.74 | 6.92 | 6.69 | -0.07 | -5040.00% | 247.00% | 138533.00% | 23.44% | 0.87 | 17.84% | 8.93% | 99.30% | 16.00% | 10.83 | 4.23 | 0.73 | 1.15 |
| RM | Regional Management Corp. | $31.82 | 309.06M | +637% | -59% | +88% | +143% | 7.23 | 0.86 | 0.50 | 21.26 | 96.60 | 0.94 | 52.35% | 12.45% | 6.88% | 12.16% | 3.19% | 2.17% | 4.65 | 0.95 | 8.33 | 8.33 | 17.77 | 749.00% | 970.00% | 1532.00% | 94.73% | 1.31 | 15.71% | 0.00% | 0.00% | 0.00% | 24.36 | 6.43 | 3.03 | 1.74 |
| SLQT | SelectQuote, Inc. | $0.86 | 151.63M | +4,148% | +2,957% | +417% | +618% | 14.57 | 0.63 | 0.24 | 5.04 | — | 0.69 | 38.72% | 4.49% | 3.12% | 5.61% | 6.90% | 2.05% | 0.72 | 0.86 | 1.60 | 1.48 | 2.59 | -10665.00% | 1550.00% | -48815.00% | -3.80% | -0.05 | -1.42% | 0.00% | 0.00% | 78.91% | 10.92 | -53.99 | 0.49 | 1.60 |
| VBNK | VersaBank | $16.50 | 527.1M | +489% | -23% | -15% | -39% | 23.23 | 1.24 | 5.50 | 4.19 | — | 1.30 | 100.00% | 34.51% | 23.67% | 6.11% | 16.74% | 0.53% | 0.20 | 0.23 | 0.13 | 0.13 | -10.61 | -3960.00% | 770.00% | -36772.00% | -102.89% | -0.14 | -400.09% | 0.49% | 11.40% | 55.79% | 4.51 | -0.27 | 1.56 | -0.71 |
About TWFG, Inc. Common Stock
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.
- CEO
- Richard Finley Bunch
- Employees
- 293
- Beta
- 0.34
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($1,364.43 ÷ $18.78) − 1 = +7,165.34% (DCF, example).