Every 8-K that TWFG INC (TWFG) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow TWFG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full TWFG filings page.
TWFG, Inc. entered into an Amended and Restated Credit Agreement with PNC Bank and a syndicate of lenders, replacing its prior 2023 facility. The agreement provides a $125,000,000 revolving credit facility, including a $12,500,000 swingline sub-facility and a $12,500,000 letter of credit sub-facility, with an uncommitted accordion feature of up to $75,000,000, allowing potential total borrowing capacity of $200,000,000. The revolving loans mature on August 12, 2031.
Revolving loans bear interest at Term SOFR or Daily SOFR plus a margin between 1.75% and 2.75%, based on the Company’s consolidated leverage ratio; swingline loans bear interest at the Base Rate plus a margin 1.00% lower than the SOFR-based margin. Obligations are guaranteed by the Company and certain subsidiaries and are secured by substantially all assets of the borrower and guarantors. The facility includes customary affirmative and negative covenants and financial tests, including a minimum consolidated debt service coverage ratio and a maximum consolidated leverage ratio, as well as standard events of default that can lead to acceleration. TWFG states that the expanded facility enhances liquidity and financial flexibility to support acquisitions, organic growth, and technology and data investments.
TWFG, Inc., a high-growth insurance distribution company, reported strong second-quarter 2026 results with total revenues of $87.5 million, up 45.1% from $60.3 million a year earlier. Net income rose to $17.3 million, a 19.7% margin, while Adjusted EBITDA increased 75.8% to $26.6 million with a 30.4% margin.
Organic Revenue Growth Rate was 37.0%, supported by 26.6% growth in Total Written Premium to $569.9 million and expanding contributions from TWFG MGA programs and acquisitions. The company repurchased 2,252,349 shares for approximately $42.9 million and raised its 2026 outlook, guiding to $300–$320 million in revenues and a 23–27% Adjusted EBITDA Margin.
TWFG, Inc. reports that Eugene N. Padgett, its Chief Accounting Officer, resigned from the company effective July 21, 2026. The company states that his resignation was not due to any disagreement on accounting practices, financial reporting, or operations.
Effective upon his resignation, Janice Zwinggi, the company’s Chief Financial Officer, was appointed to also serve as Chief Accounting Officer and Principal Accounting Officer, while continuing as Principal Financial Officer. The company indicates there are no new compensatory arrangements related to this additional role, no arrangements or understandings under which she was selected, no family relationships with directors or executive officers, and no disclosable related-party transactions under Item 404(a) of Regulation S-K.
TWFG, Inc. held its 2026 Annual Meeting of Stockholders on May 27, 2026, where stockholders voted on director elections and auditor ratification. Total voting power of 352,200,156 votes was present in person or by proxy, representing approximately 85.15% of the 360,422,035 votes entitled to vote.
Stockholders elected all six nominees to the board of directors, with each receiving over 346 million votes in favor and broker non-votes of 1,514,551. They also ratified the appointment of Deloitte & Touche LLP as independent registered public accounting firm for the fiscal year ending December 31, 2026, with 352,121,435 votes for, 28,096 against, and 50,625 abstentions.
TWFG, Inc. reported strong first quarter 2026 results, with total revenues rising 35.3% to $72.8 million from $53.8 million a year earlier, driven by acquisitions and double-digit organic growth. Net income nearly doubled to $13.1 million, lifting net income margin to 18.0% from 12.7%.
Adjusted Net Income increased 75.2% to $16.2 million, and Adjusted Net Income Margin improved to 22.2%. Adjusted EBITDA grew 73.9% to $21.2 million, with Adjusted EBITDA Margin expanding 650 basis points to 29.1%. Organic Revenue Growth Rate was 10.1%, supported by both renewal and new business.
Total Written Premium increased 23.5% to $458.2 million, including significant growth in the TWFG MGA segment. Cash flow from operating activities was $22.7 million and Adjusted Free Cash Flow was $15.2 million. The company also executed on its authorized Class A share repurchase program, buying back approximately $40 million of stock and reaffirmed full-year 2026 guidance for 15%–20% total revenue growth and 10%–15% organic revenue growth.
TWFG, Inc. reported strong fourth-quarter and full-year 2025 results, highlighted by double‑digit growth and expanding margins. Fourth-quarter total revenues rose 33.0% to $68.8 million, with net income increasing to $14.4 million and Adjusted EBITDA climbing 56.9% to $21.7 million, for a 31.6% margin.
For 2025, revenues grew 21.3% to $247.1 million and net income reached $39.8 million. Adjusted Net Income rose 50.8% to $49.8 million, and Adjusted EBITDA grew 44.3% to $65.4 million, with margin improving to 26.5%. Total written premium for the year increased 17.3% to $1.7 billion.
The company’s board approved a share repurchase program authorizing up to $50 million of Class A common stock over the year following approval. TWFG also announced acquisitions of Loften Wells Insurance and Asset Protection Insurance Associates and issued 2026 guidance calling for 15–20% revenue growth, 10–15% organic revenue growth, and an Adjusted EBITDA margin of 22–25%.
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.
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.