8-K Announcements
6Feb 17, 2026·SEC
Nov 5, 2025·SEC
Aug 6, 2025·SEC
Investors Title Company (ITIC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Investors Title Company (ITIC) stock price & volume — 10-year historical chart
Investors Title Company (ITIC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Investors Title Company (ITIC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 17, 2026 | $3.97 | $70M |
| Q4 2025 | Nov 5, 2025 | $6.45 | — |
| Q3 2025 | Aug 6, 2025 | $6.48 | $74M |
| Q2 2025 | May 8, 2025 | $1.67 | $57M |
Investors Title Company (ITIC) competitors in Mortgage and Title Insurance — business model, growth, and fundamentals comparison
Investors Title Company (ITIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Investors Title Company (ITIC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 161.63M | 156.26M | 183.5M | 236.41M | 329.5M | 283.39M | 224.75M | 258.3M | 272.75M |
| Revenue Growth % | 16.71% | -3.32% | 17.43% | 28.83% | 39.38% | -13.99% | -20.69% | 14.93% | 5.6% |
| Medical Costs & Claims | 71.95M | 65.44M | 76.31M | 112.01M | 148.5M | 125.82M | 88.14M | 111.87M | 4.61M |
| Medical Cost Ratio % | 44.52% | 41.88% | 41.59% | 47.38% | 45.07% | 44.4% | 39.22% | 43.31% | 1.69% |
| Gross Profit | 89.67M▲ 0% | 90.82M▲ 1.3% | 107.19M▲ 18.0% | 124.4M▲ 16.1% | 181M▲ 45.5% | 157.57M▼ 12.9% | 136.61M▼ 13.3% | 146.43M▲ 7.2% | 268.15M▲ 83.1% |
| Gross Margin % | 55.48% | 58.12% | 58.41% | 52.62% | 54.93% | 55.6% | 60.78% | 56.69% | 98.31% |
| Gross Profit Growth % | 20.2% | 1.27% | 18.03% | 16.05% | 45.5% | -12.94% | -13.3% | 7.18% | 83.13% |
| Operating Expenses | 59.4M | 63.75M | 67.37M | 74.74M | 96.06M | 127.46M | 110.38M | 106.96M | 223.6M |
| OpEx / Revenue % | 36.75% | 40.8% | 36.71% | 31.61% | 29.15% | 44.98% | 49.11% | 41.41% | 81.98% |
| Depreciation & Amortization | 2.35M | 2.23M | 2.26M | 2.26M | 2.44M | 3.58M | 4.12M | 4.5M | 4.42M |
| Combined Ratio % | 81.27% | 82.68% | 78.3% | 78.99% | 74.22% | 89.38% | 88.33% | 84.72% | 83.67% |
| Operating Income | 30.27M▲ 0% | 27.07M▼ 10.6% | 39.82M▲ 47.1% | 49.66M▲ 24.7% | 84.93M▲ 71.0% | 30.11M▼ 64.6% | 26.23M▼ 12.9% | 39.46M▲ 50.4% | 44.55M▲ 12.9% |
| Operating Margin % | 18.73% | 17.32% | 21.7% | 21.01% | 25.78% | 10.62% | 11.67% | 15.28% | 16.33% |
| Operating Income Growth % | 7.61% | -10.58% | 47.12% | 24.7% | 71.02% | -64.55% | -12.88% | 50.45% | 12.89% |
| EBITDA | 32.62M | 29.3M | 42.09M | 51.92M | 87.37M | 33.69M | 30.35M | 43.96M | 48.97M |
| EBITDA Margin % | 20.18% | 18.75% | 22.94% | 21.96% | 26.52% | 11.89% | 13.5% | 17.02% | 17.95% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pretax Income | 30.27M▲ 0% | 27.07M▼ 10.6% | 39.82M▲ 47.1% | 49.66M▲ 24.7% | 84.93M▲ 71.0% | 30.11M▼ 64.6% | 26.23M▼ 12.9% | 39.46M▲ 50.4% | 44.55M▲ 12.9% |
| Pretax Margin % | 18.73% | 17.32% | 21.7% | 21.01% | 25.78% | 10.62% | 11.67% | 15.28% | 16.33% |
| Income Tax | 4.57M | 5.21M | 8.37M | 10.24M | 17.91M | 6.21M | 4.54M | 8.39M | 9.37M |
| Effective Tax Rate % | 15.1% | 19.25% | 21.01% | 20.62% | 21.09% | 20.61% | 17.32% | 21.26% | 21.03% |
| Net Income | 25.7M▲ 0% | 21.86M▼ 14.9% | 31.46M▲ 43.9% | 39.42M▲ 25.3% | 67.02M▲ 70.0% | 23.9M▼ 64.3% | 21.69M▼ 9.3% | 31.07M▲ 43.3% | 35.18M▲ 13.2% |
| Net Margin % | 15.9% | 13.99% | 17.14% | 16.67% | 20.34% | 8.43% | 9.65% | 12.03% | 12.9% |
| Net Income Growth % | 31.7% | -14.95% | 43.91% | 25.31% | 70.02% | -64.33% | -9.28% | 43.29% | 13.22% |
| EPS (Diluted) | 13.56▲ 0% | 11.52▼ 15.0% | 16.59▲ 44.0% | 20.79▲ 25.3% | 35.27▲ 69.6% | 12.59▼ 64.3% | 11.46▼ 9.0% | 16.42▲ 43.3% | 18.57▲ 13.1% |
| EPS Growth % | 33.07% | -15.04% | 44.01% | 25.32% | 69.65% | -64.3% | -8.98% | 43.28% | 13.09% |
| EPS (Basic) | 13.63 | 11.58 | 16.66 | 20.84 | 35.39 | 12.60 | 11.46 | 16.48 | 18.64 |
| Diluted Shares Outstanding | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.9M | 1.89M | 1.89M | 1.9M |
Investors Title Company (ITIC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 248.91M | 244.27M | 263.89M | 282.93M | 331.49M | 339.76M | 330.56M | 333.57M | 363.14M |
| Asset Growth % | 8.72% | -1.87% | 8.03% | 7.21% | 17.16% | 2.49% | -2.71% | 0.91% | 8.86% |
| Total Investment Assets | 301.61M | 182.67M | 192.86M | 213.29M | 222.87M | 227.7M | 228.67M | 232.54M | 251.81M |
| Long-Term Investments | 174.49M | 170.23M | 178.88M | 197.8M | 202.57M | 209.33M | 211.28M | 211.97M | 154.83M |
| Short-Term Investments | 127.12M | 121.74M | 117.77M | 132.88M | 125.72M | 157.64M | 174.07M | 172.07M | 118.12M |
| Total Current Assets | 67.97B | 153.51M | 0 | 0 | 0 | 0 | 0 | 0 | 138.95M |
| Cash & Equivalents | 20.21M | 18.69M | 25.95M | 13.72M | 37.17M | 35.31M | 24.03M | 24.65M | 20.84M |
| Receivables | 385.11M | 0 | 13.56M | 20.46M | 23.77M | 21.09M | 15.4M | 17.52M | 17.13M |
| Other Current Assets | 0 | 0 | -162.8M | -176.49M | -198.38M | -225.14M | -227.02M | -221.28M | -17.13M |
| Goodwill & Intangibles | 11.36M | 10.78M | 10.28M | 9.77M | 15.95M | 17.61M | 16.25M | 15.07M | 30.24M |
| Goodwill | 4.35M | 4.35M | 4.35M | 4.35M | 7.2M | 9.63M | 9.63M | 9.63M | 9.29M |
| Intangible Assets | 7.01M | 6.43M | 5.93M | 5.42M | 8.75M | 7.99M | 6.62M | 5.45M | 20.94M |
| PP&E (Net) | 10.17M | 10.3M | 14.24M | 14.69M | 18.23M | 24.49M | 30.19M | 34.09M | 7.78M |
| Other Assets | 11.16B | -4.18M | -203.4M | -222.27M | -236.76M | -251.43M | -257.72M | -261.13M | -164.13M |
| Total Liabilities | 70.99M | 68.63M | 72.53M | 82.5M | 102.4M | 98.75M | 79.01M | 81.8M | 94.84M |
| Total Debt | 0 | 0 | 4.5M | 3.67M | 5.33M | 6.84M | 6.45M | 6.36M | 16.1M |
| Net Debt | -20.21M | -18.69M | -21.45M | -10.05M | -31.84M | -28.47M | -17.58M | -18.3M | -4.74M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.05M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 27.57M | 27.73M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 27.57M | 27.73M | 28.32M | 36.02M | 43.87M | 47.05M | 31.86M | 34.01M | 41.52M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -27.57M | -32.72M | -29.66M | -36.66M | -47.2M | -47.05M | -31.86M | -34.29M | -41.52M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 62.37M | 63.65M | -11.54M | -12.26M | -18.45M | -14.5M | -9.99M | -10.45M | 71.57M |
| Total Equity | 177.92M▲ 0% | 175.64M▼ 1.3% | 191.36M▲ 9.0% | 200.42M▲ 4.7% | 229.09M▲ 14.3% | 241.01M▲ 5.2% | 251.55M▲ 4.4% | 251.77M▲ 0.1% | 268.3M▲ 6.6% |
| Equity Growth % | 14.69% | -1.28% | 8.95% | 4.73% | 14.3% | 5.21% | 4.37% | 0.09% | 6.56% |
| Shareholders Equity | 177.84M | 175.64M | 191.36M | 200.42M | 229.09M | 241.01M | 251.55M | 251.77M | 268.3M |
| Minority Interest | 84.95K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 161.89M | 174.69M | 188.26M | 196.1M | 225.86M | 240.81M | 250.91M | 251.42M | 267.21M |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 15.94M | 949K | 3.1M | 4.33M | 3.23M | 200K | 638K | 355K | 1.09M |
| Return on Equity (ROE) | 15.43% | 12.37% | 17.14% | 20.12% | 31.21% | 10.17% | 8.81% | 12.35% | 13.53% |
| Return on Assets (ROA) | 10.76% | 8.86% | 12.38% | 14.42% | 21.82% | 7.12% | 6.47% | 9.36% | 10.1% |
| Equity / Assets | 71.48% | 71.9% | 72.51% | 70.84% | 69.11% | 70.94% | 76.1% | 75.48% | 73.88% |
| Debt / Equity | - | - | 0.02x | 0.02x | 0.02x | 0.03x | 0.03x | 0.03x | 0.06x |
| Book Value per Share | 93.84 | 92.59 | 100.93 | 105.71 | 120.57 | 126.98 | 132.89 | 133.07 | 141.58 |
| Tangible BV per Share | 87.85 | 86.91 | 95.51 | 100.55 | 112.18 | 117.70 | 124.30 | 125.11 | 125.63 |
Investors Title Company (ITIC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 19.89M | 24.39M | 20.92M | 34.09M | 51.93M | 36.2M | 7.43M | 29.84M | 30.94M |
| Operating CF Growth % | -11.72% | 22.58% | -14.23% | 63.01% | 52.31% | -30.28% | -79.49% | 301.83% | 3.68% |
| Operating CF / Revenue % | 12.31% | 15.61% | 11.4% | 14.42% | 15.76% | 12.78% | 3.3% | 11.55% | 11.34% |
| Net Income | 25.7M | 21.86M | 31.46M | 39.42M | 67.02M | 23.9M | 21.69M | 31.07M | 35.18M |
| Depreciation & Amortization | 2.35M | 2.23M | 2.26M | 2.26M | 2.44M | 3.58M | 4.12M | 131K | 0 |
| Stock-Based Compensation | 219.31K | 327K | 264K | 229K | 299K | 362K | 425K | 393K | 0 |
| Deferred Taxes | -4.66M | -4.07M | 2.28M | 1.22M | 4.83M | -4.64M | -4.23M | 515K | 0 |
| Other Non-Cash Items | -2.44M | 15K | -13.58M | -5.02M | -20.64M | 9.65M | -5.79M | -5.75M | -858K |
| Working Capital Changes | -1.27M | 4.03M | -1.77M | -4.01M | -2.01M | 3.35M | -8.78M | 3.48M | -3.38M |
| Cash from Investing | -20.29M | -2.81M | 4.49M | -14.6M | 9.07M | -28.75M | -6.7M | 1.75M | -14.82M |
| Capital Expenditures | -2.88M | -1.86M | -1.49M | -3.2M | -6.53M | -5.68M | -9.19M | -7.42M | 0 |
| Acquisitions | -175K | 59K | 301K | 85K | 0 | -4.93M | 0 | 0 | 0 |
| Purchase of Investments | -51.35M | -110.28M | -133.82M | -51.73M | -45.32M | -119.85M | -210.06M | -199.36M | 0 |
| Sale/Maturity of Investments | 34.05M | 109.27M | 139.49M | 40.22M | 53.22M | 101.66M | 212.01M | 208.25M | 0 |
| Other Investing | 72.74K | 7K | 3K | 22K | 7.7M | 55K | 529K | 275K | -14.82M |
| Cash from Financing | -7.32M | -23.1M | -18.15M | -31.72M | -37.55M | -9.31M | -12.01M | -30.96M | -19.93M |
| Dividends Paid | -7.07M | -23.02M | -18.13M | -31.72M | -37.55M | -9.18M | -11.05M | -29.86M | -19.93M |
| Share Repurchases | -246K | -29K | -19K | -6K | 0 | -133K | -959K | -1.1M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | 0 | -53K | 0 | 1K | -1K | -1K | 0 | 0 | 0 |
| Net Change in Cash | -7.71M▲ 0% | -1.52M▲ 80.3% | 7.25M▲ 577.3% | -12.23M▼ 268.5% | 23.45M▲ 291.8% | -1.86M▼ 107.9% | -11.28M▼ 507.4% | 623K▲ 105.5% | -3.82M▼ 712.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 27.93M | 20.21M | 18.69M | 25.95M | 13.72M | 37.17M | 35.31M | 24.03M | 24.65M |
| Cash at End | 20.21M | 18.69M | 25.95M | 13.72M | 37.17M | 35.31M | 24.03M | 24.65M | 20.84M |
| Free Cash Flow | 17.01M▲ 0% | 22.53M▲ 32.4% | 19.43M▼ 13.7% | 30.89M▲ 59.0% | 45.4M▲ 46.9% | 30.52M▼ 32.8% | -1.76M▼ 105.8% | 22.42M▲ 1373.7% | 25.38M▲ 13.2% |
| FCF Growth % | -15.28% | 32.43% | -13.75% | 59% | 46.95% | -32.76% | -105.77% | 1373.69% | 13.23% |
| FCF Margin % | 10.52% | 14.42% | 10.59% | 13.07% | 13.78% | 10.77% | -0.78% | 8.68% | 9.31% |
| FCF per Share | 8.97 | 11.88 | 10.25 | 16.29 | 23.89 | 16.08 | -0.93 | 11.85 | 13.39 |
Investors Title Company (ITIC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 79.69% | 81.27% | 82.68% | 78.3% | 78.99% | 74.22% | 89.38% | 88.33% | 84.72% | 83.67% |
| Medical Cost Ratio | 46.13% | 44.52% | 41.88% | 41.59% | 47.38% | 45.07% | 44.4% | 39.22% | 43.31% | 1.69% |
| Return on Equity (ROE) | 13.1% | 15.43% | 12.37% | 17.14% | 20.12% | 31.21% | 10.17% | 8.81% | 12.35% | 13.53% |
| Return on Assets (ROA) | 8.86% | 10.76% | 8.86% | 12.38% | 14.42% | 21.82% | 7.12% | 6.47% | 9.36% | 10.1% |
| Equity / Assets | 67.76% | 71.48% | 71.9% | 72.51% | 70.84% | 69.11% | 70.94% | 76.1% | 75.48% | 73.88% |
| Book Value / Share | 81.01 | 93.84 | 92.59 | 100.93 | 105.71 | 120.57 | 126.98 | 132.89 | 133.07 | 141.58 |
| Debt / Equity | - | - | - | 0.02x | 0.02x | 0.02x | 0.03x | 0.03x | 0.03x | 0.06x |
| Revenue Growth | 8.87% | 16.71% | -3.32% | 17.43% | 28.83% | 39.38% | -13.99% | -20.69% | 14.93% | 5.6% |
Investors Title Company (ITIC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Feb 17, 2026·SEC
Nov 5, 2025·SEC
Aug 6, 2025·SEC
Investors Title Company (ITIC) stock FAQ — growth, dividends, profitability & financials explained
Investors Title Company (ITIC) grew revenue by 5.6% over the past year. This is steady growth.
Yes, Investors Title Company (ITIC) is profitable, generating $35.2M in net income for fiscal year 2025 (12.9% net margin).
Yes, Investors Title Company (ITIC) pays a dividend with a yield of 4.43%. This makes it attractive for income-focused investors.
Investors Title Company (ITIC) has a return on equity (ROE) of 13.5%. This is reasonable for most industries.
Investors Title Company (ITIC) has a combined ratio of 83.7%. A ratio below 100% indicates underwriting profitability.
Investors Title Company (ITIC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates