TWFG, Inc. (TWFG) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.031 And 00:00:02.474 -- 00:00:07.622 we know that Florida market is dealing with its own property 00:00:07.622 -- 00:00:12.649 pricing downward. And so we're doing well, better than expected. 00:00:12.649 -- 00:00:17.636 And we're being disciplined and not looking to update at this release. 00:00:17.636 -- 00:00:22.042 If we get through the second quarter with similar outcome, then yes, there's upside to 00:00:22.042 -- 00:00:26.005 the margin on guidance. 00:00:26.549 -- 00:00:29.270 Okay, that's understood. 00:00:30.794 -- 00:00:33.755 Moving to 00:00:34.519 -- 00:00:39.987 organic growth, Gordy, you've talked about the impact 00:00:39.987 -- 00:00:43.730 from improving availability 00:00:44.314 -- 00:00:50.322 and how it's having an impact on organic. You talked about the soft market. 00:00:50.322 -- 00:00:53.988 Maybe you can kind of help tease out if 00:00:53.988 -- 00:00:58.431 that impact is becoming less 00:00:58.735 -- 00:01:03.478 important you know, having less of an impact on organic or the same or more, and so we 00:01:03.478 -- 00:01:08.945 can kind of figure out directionally whether we should continue to kind of build in a 00:01:08.945 -- 00:01:13.327 bit of a very near-term headwind. 00:01:14.751 -- 00:01:17.294 We have a lot of 00:01:17.294 -- 00:01:23.642 geography that TWG operates in, and not every geography has the same 00:01:23.642 -- 00:01:28.912 rate change cadence or significance. 00:01:28.912 -- 00:01:35.599 And so if we look at, you know, the balance of the calendar here, 00:01:36.404 -- 00:01:41.151 we're looking at, you know, rate, property rates, you know, we all know the cap market 00:01:41.151 -- 00:01:42.834 is softening 00:01:42.834 -- 00:01:46.780 and that eventually goes through property repricing. ...