TWFG, Inc. (TWFG) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.219 Good morning. My name is Franz, and I'll be your conference operator today. 00:00:05.219 -- 00:00:10.727 At this time, I would like to welcome everyone to the TWFG 00:00:10.727 -- 00:00:15.474 fourth quarter 2025 conference call. 00:00:15.474 -- 00:00:19.440 All lines have been placed on mute to prevent any background noise. 00:00:19.440 -- 00:00:23.947 After the speaker's remarks, there will be a question and answer session. 00:00:23.947 -- 00:00:28.974 If you would like to ask a question during this time, simply press star one on your telephone 00:00:28.974 -- 00:00:34.152 keypad. If you would like to withdraw your question, please press star one 00:00:34.152 -- 00:00:39.718 again. This call is being recorded and will be available for replay 00:00:39.718 -- 00:00:42.479 on the company's website. 00:00:42.782 -- 00:00:48.308 Before we begin, let me remind you that today's discussion may contain forward-looking 00:00:48.308 -- 00:00:54.655 statements and actual results may differ materially from those discussed. 00:00:54.655 -- 00:00:59.735 For more information regarding forward-looking statements, please refer to the company's 00:00:59.735 -- 00:01:03.362 press releases and SEC filings. 00:01:03.362 -- 00:01:08.632 Also on today's call, our speakers will reference certain non-GAAP financial 00:01:08.632 -- 00:01:10.632 measures, 00:01:10.656 -- 00:01:15.648 which we believe will provide useful information for the investors. 00:01:15.648 -- 00:01:21.074 The company has posted reconciliations for the non-GAAP financial measures discussed 00:01:21.074 -- 00:01:26.400 during this call into tables accompanying the company's earning press release located 00:01:26.400 -- 00:01:32.804 on the Investors section of the company's website at w...