TWFG, Inc. (TWFG) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. My name is Franz, and I'll be your conference operator today. At this time, I would like to welcome everyone to the TWFG fourth quarter 2025 conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star one on your telephone keypad. If you would like to withdraw your question, please press star one again. This call is being recorded and will be available for replay on the company's website. Before we begin, let me remind you that today's discussion may contain forward-looking statements and actual results may differ materially from those discussed. For more information regarding forward-looking statements, please refer to the company's press releases and SEC filings. Also on today's call, our speakers will reference certain non-GAAP financial measures, which we believe will provide useful information for the investors. The company has posted reconciliations for the non-GAAP financial measures discussed during this call into tables accompanying the company's earning press release located on the Investors section of the company's website at www.twfg.com. It is now my pleasure to introduce Mr. Gordy Bunch, founder, chairman, and CEO of TWFG. Sir, the floor is yours. Thank you, Operator, and good morning, everyone. Thank you for joining us today to discuss DWFG's fourth quarter and full year 2025 results. Joining me on the call is Janice Zwinge, our Chief Financial Officer. After my remarks, Janice will walk through our financial performance in more detail, and then we'll open up the call for questions. For full year 2025 results, I'd like to start by thanking our employees, agents, carrier ...