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

Rhea-AI Filing Summary

TWFG, Inc. filed a Form 8-K reporting that on August 12, 2025 the company issued a press release announcing its financial and operating results for the quarter ended June 30, 2025. The press release is furnished as Exhibit 99.1 and the cover page interactive data file is included as Exhibit 104. The filing states the furnished information is not deemed "filed" under Section 18 and will not be incorporated by reference into registration statements, and notes the company discloses material information via SEC filings, press releases, investor calls and its investor website.

Positive

• Press release furnished as Exhibit 99.1 informing investors the company announced Q2 2025 results
• Inline XBRL cover page (Exhibit 104) included, supporting machine-readable disclosure
• Disclosure channels stated (SEC filings, press releases, conference calls, investor website) which reinforce broad dissemination

Negative

• No financial or operating figures are included in the 8-K text; substantive results are only in Exhibit 99.1
• Furnished, not filed — the company states the exhibit is not deemed "filed" under Section 18 and will not be incorporated by reference

Insights

Financial Analyst

TL;DR: Routine 8-K furnishing a Q2 2025 results press release; no financial figures are included in this filing.

The filing notifies investors that TWFG furnished a press release with second-quarter 2025 results as Exhibit 99.1 but does not embed any numeric operating or financial data in the 8-K text itself. The company also included an inline XBRL cover page (Exhibit 104). Because the substantive results reside in the press release exhibit, material assessment and valuation effects depend on the exhibit content; the 8-K alone is a procedural disclosure that preserves Regulation FD and incorporation limitations.

Corporate Governance Expert

TL;DR: Proper Form 8-K disclosure practice; explicitly limits "filed" treatment of the furnished press release.

The company follows common practice by furnishing the press release under Item 2.02 and clarifying that the exhibit is "furnished" rather than "filed," which narrows Section 18 liability and prevents automatic incorporation by reference. The filing also documents authorized signature by the CEO. From a governance and disclosure-controls viewpoint the 8-K is complete for its stated purpose, though investors must consult Exhibit 99.1 for substantive financial detail.

FALSE000200759600020075962025-08-122025-08-12

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): August 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 August 12, 2025, TWFG, Inc. (the “Company”) issued a press release announcing its financial and operating results for the second quarter ended June 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 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.						Description of Exhibit
99.1						Press Release dated August 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: August 12, 2025			By:			/s/ Richard F. Bunch III
			Name:			Richard F. Bunch III
			Title:			Chief Executive Officer

FAQ

What did TWFG (TWFG) disclose in this 8-K?

The company furnished a press release announcing its financial and operating results for the quarter ended June 30, 2025 (Exhibit 99.1).

Does the 8-K include TWFG's Q2 2025 financial figures?

No. The 8-K states the press release is furnished as Exhibit 99.1; no numerical results are included in the 8-K text.

Where can I find the full press release for TWFG's Q2 2025 results?

The press release is furnished as Exhibit 99.1 to the 8-K and the company notes it posts material releases on its investor website at https://investors.twfg.com/.

Is the press release in this 8-K considered "filed" with the SEC?

No. The filing explicitly states the information furnished, including Exhibit 99.1, shall not be deemed "filed" under Section 18 of the Exchange Act and is not incorporated by reference.

Who signed the Form 8-K for TWFG?

The Form 8-K is signed by Richard F. Bunch III, Chief Executive Officer, dated August 12, 2025.