[8-K] TWFG, Inc. Reports Material Event

TWFG, Inc. filed an 8-K announcing it furnished a press release with financial and operating results for the third quarter ended September 30, 2025.

Rhea-AI Filing Summary

TWFG, Inc. filed an 8-K announcing it furnished a press release with financial and operating results for the third quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 and, as stated under Item 2.02, is furnished and not filed under the Exchange Act.

The company also reported a leadership change under Item 5.02. On November 7, 2025, the Board appointed Katherine C. Nolan, age 64, as President. She has served as Chief Operating Officer since 2009 and previously held senior roles at Affirmative Retail Inc., Affirmative Insurance Holdings, and Bristol West Insurance Company. The filing states there are no new compensation arrangements or modifications in connection with the appointment, no family relationships per Item 401, no selection arrangements, and no related-party transactions requiring disclosure under Item 404(a).

TWFG notes it uses SEC filings, press releases, public calls, and its investor relations website to distribute material information.

Insights

Corporate governance analyst

Routine 8-K: Q3 release furnished; COO promoted to President.

The company furnished Q3 results via Exhibit 99.1 for the quarter ended September 30, 2025, indicating a standard disclosure under Item 2.02. Furnished status means it is not subject to Section 18 liabilities in the same way as filed information.

Governance-wise, the Board appointed Katherine C. Nolan as President on November 7, 2025. She has been COO since 2009, suggesting continuity in day-to-day operations. The filing states no new or modified compensation tied to this appointment.

The disclosure also confirms no family relationships, no selection arrangements, and no related-party transactions under Item 404(a). Overall impact is administrative; investor implications will depend on details in Exhibit 99.1.

8-K Event Classification

3 items: 2.02, 5.02, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers Governance

Key personnel changes including departures, elections, or appointments of directors and executive officers.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

What did TWFG (TWFG) announce in its latest 8-K?

TWFG furnished a press release with financial and operating results for the third quarter ended September 30, 2025, attached as Exhibit 99.1.

Who was appointed President of TWFG and when?

Katherine C. Nolan was appointed President on November 7, 2025.

Were there any new compensation arrangements for Katherine C. Nolan?

No. The filing states there are no new compensation arrangements or modifications in connection with her appointment.

What prior roles has Katherine C. Nolan held at TWFG?

She has served as Chief Operating Officer since 2009.

Is the Q3 press release considered filed or furnished?

It is furnished under Item 2.02 and not deemed filed for Section 18 purposes.

Where can investors access TWFG’s disclosures?

Through SEC filings, press releases, public conference calls, and the investor relations website: https://investors.twfg.com/.

What is TWFG’s trading symbol and exchange?

The Class A Common Stock trades as TWFG on The Nasdaq Stock Market LLC.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/12/2025 - 04:04 PM Learn about SEC filing dates

10055 Grogans Mill RoadSuite 500The WoodlandsTexasFALSE000200759600020075962025-11-122025-11-12

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K 

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 12, 2025

TWFG, Inc.

(Exact name of registrant as specified in its charter)

Delaware			001-42177			99-0603906
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)
			10055 Grogans Mill Road Suite 500 The Woodlands, Texas			77380
			(Address of principal executive offices)			(Zip Code)

(281) 367-3424

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Class A Common Stock, $0.01 par value

TWFG

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☒			Emerging growth company
☐			If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 2.02. Results of Operations and Financial Condition.

On November 12, 2025, TWFG, Inc. (the “Company”) issued a press release announcing its financial and operating results for the third quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 hereto and is incorporated herein by reference.

The information furnished herewith pursuant to Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section. The information in this Current Report on Form 8-K shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

The Company announces material information to the public through a variety of means, including filings with the Securities and Exchange Commission, press releases, public conference calls, and on the Company’s investor relations website (https://investors.twfg.com/) as means of disclosing material non-public information and for complying with its disclosure obligations under Regulation FD.

Item 5.02. Departure of Director or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

On November 7, 2025, the Board of Directors of the Company appointed Katherine C. Nolan to the position of President of the Company. Ms. Nolan, age 64, has served as Chief Operating Officer of the Company since 2009. Prior to joining the Company, Ms. Nolan was President of Affirmative Retail Inc., Executive Vice President of Planning and Integration for Affirmative Insurance Holdings and Senior Vice President of Operations at Bristol West Insurance Company.

A description of Ms. Nolan’s existing compensatory arrangement is provided in the section titled “Executive Compensation” in the Company’s Definitive Proxy Statement on Schedule 14A filed with the Securities and Exchange Commission on April 11, 2025. There are no new compensation arrangements, grants or awards or any modification to the existing arrangements for Ms. Nola in connection with the appointment.

There are no family relationships, as defined Item 401 of Regulation S-K, between Ms. Nolan and any of the Company’s directors or executive officers or persons nominated or chosen to become a director or executive officer. There was no arrangement or understanding between Ms. Nolan and any other persons pursuant to which Ms. Nolan was selected as an officer, and Ms. Nolan does not have any direct or indirect material interest in any transaction or proposed transaction required to be reported under Item 404(a) of Regulation S-K.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.						Description of Exhibit
99.1						Press Release dated November 12, 2025
104						Cover Page Interactive Data File (formatted as inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			TWFG, INC.
Date: November 12, 2025			By:			/s/ Richard F. Bunch III
			Name:			Richard F. Bunch III
			Title:			Chief Executive Officer