COMP <GO>
TWFG vs BAC // OPERATING MARGIN
TWFG Inc. (Class A) (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: TWFG 4
— BAC 4
▲ OPERATING MARGIN LEADER: BAC
LAST: $27.15 (-0.48%) • MKT CAP: $1.47B
operating-margins
14.90%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
operating-margins
32.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TWFG VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TWFG | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 39.80% | 2.50% | +37.30 | TWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 35.2x | 30.2x | +5.00 | BAC | /valuation <GO> |
| Free Cash Flow Yield | 3.62% | 2.10% | +1.52 | TWFG | /fcf-yield <GO> |
| Operating Margin ACTIVE | 14.90% | 32.90% | -18.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | — | 27.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 22.00% | 6.80% | +15.20 | TWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 7/9 | -3.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.2 | 38.3 | +16.90 | TWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.9x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.47B | $357.61B | -$356.14B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TWFG REV | BAC REV | TWFG GROSS % | BAC GROSS % | TWFG FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $248.5M | $113.10B | — | — | $53.1M | $7.52B |
| FY 2024 | $203.8M | $105.86B | — | — | $37.3M | -$13.57B |
| FY 2023 | $172.0M | $102.77B | — | — | $30.2M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TWFG // BETA —
BAC // BETA 0.90