The company maintains a robust capital foundation with equity fluctuating between $251.6 million and $278.0 million over the last ten quarters, supported by a debt-free structure that enhances its long-term solvency profile.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Total Assets | 361.54M | 363.14M | 333.57M | 330.56M | 339.76M | 331.49M | 282.93M | 263.89M | 244.27M | 248.91M | 228.94M | 211.52M | 198.04M | 188.31M | 171.92M | 157.96M | 153.49M | 146.43M | 139.86M | 149.64M | 143.52M | 128.47M | 113.19M | 100.47M | 84.64M | 70.22M | 59.34M | 55.16M | 51.6M | 41.29M | 33.64M |
| Asset Growth % | 22.02% | 8.86% | 0.91% | -2.71% | 2.49% | 17.16% | 7.21% | 8.03% | -1.87% | 8.72% | 8.23% | 6.81% | 5.17% | 9.53% | 8.84% | 2.91% | 4.82% | 4.7% | -6.54% | 4.27% | 11.71% | 13.5% | 12.66% | 18.71% | 20.53% | 18.34% | 7.58% | 6.9% | 24.96% | 22.74% | 19.2% |
| Total Investment Assets | 4M | 251.81M | 232.54M | 228.67M | 227.7M | 222.87M | 213.29M | 192.86M | 182.67M | 301.61M | 258.17M | 160.55M | 159.41M | 142.76M | 130.78M | 125.7M | 130M | 123.68M | 115.89M | 127.39M | 120.11M | 95.15M | 92.05M | 79.84M | 64.77M | 53.02M | 41.06M | 30.94M | 33.8M | 31.12M | 23.57M |
| Long-Term Investments | 672.92M | 154.83M | 211.97M | 211.28M | 209.33M | 202.57M | 197.8M | 178.88M | 170.23M | 174.49M | 149.67M | 150.45M | 150.88M | 135.52M | 124.02M | 122.07M | 127.11M | 121.37M | 113.85M | 127.39M | 120.11M | 95.15M | 92.05M | 79.84M | 64.77M | 53.02M | 41.06M | 30.94M | 33.8M | 31.12M | 23.57M |
| Short-Term Investments | 117.34M | 96.98M | 172.07M | 174.07M | 157.64M | 125.72M | 132.88M | 117.77M | 121.74M | 127.12M | 108.49M | 112.93M | 111.63M | 99.37M | 95.5M | 14.11M | 27.2M | 20.72M | 15.73M | 21.22M | 4.46M | 8.59M | 10.13M | 955.56K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 144.04M | 147.48M | 0 | 0 | 0 | 0 | 0 | 0 | 153.51M | 67.97B | 69.11B | 59.3B | 55.08B | 68.52B | 60.36B | 47.4B | 29.24B | 20.59B | 17.9B | 721.9K | 15.84M | 32.03M | 9.11M | 14.78M | 12.45M | 11.28M | 11.49M | 11.37M | 13.98M | 3.25M | 6.69M |
| Cash & Equivalents | 26.7M | 20.84M | 24.65M | 24.03M | 35.31M | 37.17M | 13.72M | 25.95M | 18.69M | 20.21M | 27.93M | 21.79M | 15.83M | 23.63M | 20.81M | 18.04M | 8.12M | 8.73M | 5.16M | 3M | 3.46M | 14.61M | 4.73M | 5.13M | 3.78M | 3.45M | 7.85M | 7.55M | 8.14M | 2.82M | 4.24M |
| Receivables | 76.76M | 20.28M | 17.52M | 15.4M | 21.09M | 23.77M | 20.46M | 13.56M | 0 | 385.11M | 0 | 0 | 0 | 8.75B | 11.04B | 6.81B | 7.25B | 6.29M | 2.78B | 263.52K | 410.02K | 8.83M | 0 | 8.7M | 8.67M | 7.83M | 3.64M | 3.81M | 5.84M | 429.06K | 2.44M |
| Other Current Assets | -17.5M | 0 | -221.28M | -227.02M | -225.14M | -198.38M | -176.49M | -162.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 47.4M | 46.48M | 37.56M | 31.03M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 62.91M | 20.94M | 15.07M | 16.25M | 17.61M | 15.95M | 9.77M | 10.28M | 10.78M | 11.36M | 12.26M | 1.22M | 1.29M | 1.36M | 1.43M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 20.88M | 9.29M | 9.63M | 9.63M | 9.63M | 7.2M | 4.35M | 4.35M | 4.35M | 4.35M | 4.35M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 11.65M | 5.45M | 6.62M | 7.99M | 8.75M | 5.42M | 5.93M | 6.43M | 7.01M | 7.91M | 1.22M | 1.29M | 1.36M | 1.43M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 8.39M | 37.18M | 34.09M | 30.19M | 24.49M | 18.23M | 14.69M | 14.24M | 10.3M | 10.17M | 8.75M | 7.15M | 5.46M | 4.33M | 3.6M | 3.55M | 3.67M | 3.89M | 4.42M | 5.56M | 6.44M | 5.83M | 4.92M | 4.39M | 4.86M | 4.73M | 5.7M | 6.03M | 3.41M | 3.08M | 2.93M |
| Other Assets | -244.74M | 2.71M | -261.13M | -257.72M | -251.43M | -236.76M | -222.27M | -203.4M | -4.18M | 11.16B | 12.09B | -158.81M | -157.63M | -141.2M | -129.05M | -125.62M | -130.78M | -125.27M | -118.27M | -132.95M | -126.54M | -100.98M | -96.96M | -84.23M | -69.63M | -57.75M | -46.76M | -36.97M | -37.21M | -34.21M | -26.5M |
| Total Liabilities | 88.65M | 94.84M | 81.8M | 79.01M | 98.75M | 102.4M | 82.5M | 72.53M | 68.63M | 70.99M | 73.8M | 68.74M | 60.48M | 59.7M | 56.79M | 51.45M | 49.56M | 49.17M | 50M | 50.37M | 48.24M | 44.17M | 40.68M | 37.28M | 31.97M | 25.95M | 20.15M | 17.65M | 15.27M | 10.16M | 7.65M |
| Total Debt | 8.69M | 8.05M | 6.36M | 6.45M | 6.84M | 5.33M | 3.67M | 4.5M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Debt | -18.01M | -12.79M | -18.3M | -17.58M | -28.47M | -31.84M | -10.05M | -21.45M | -18.69M | -20.21M | -27.93M | -21.79M | -15.83M | -23.63M | -20.81M | -18.04M | -8.12M | -8.73M | -5.16M | -3M | -3.46M | -14.61M | -4.73M | -5.13M | -3.78M | -3.45M | -7.85M | -7.55M | -8.14M | -2.82M | -4.24M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 1.81M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 660K | 50.37M | 0 | 0 | 0 | 0 | 0 | 0 | 27.73M | 27.57M | 1.23B | 210.35M | 92.19M | 366.77M | 1.34B | 640.53M | 1.06B | 670.29M | 467.39K | 9.49M | 10.21M | 7.93M | 7.55M | 6.97M | 3.89M | 3.56M | 2.14M | 1.79M | 1.62M | 1.32M | 1.16M |
| Accounts Payable | 0 | 41.52M | 34.01M | 31.86M | 47.05M | 43.87M | 36.02M | 28.32M | 27.73M | 27.57M | 26.15M | 25.04M | 18.29M | 20.32M | 15.48M | 12.33M | 10.3M | 9.01M | 467.39K | 406.92K | 10.21M | 6.98M | 551.66K | 5.96M | 3.89M | 3.56M | 2.14M | 1.79M | 1.62M | 1.32M | 1.16M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -1.15M | 7.17M | -34.29M | -31.86M | -47.05M | -47.2M | -36.66M | -29.66M | -32.72M | -27.57M | -35.87M | -33.07M | -25.49M | 346.45M | 1.32B | -12.97M | -11.36M | -9.68M | -10.76M | -13.39M | -10.54M | -7.93M | -917.83K | -6.24M | -4.78M | -3.7M | -24.07K | -1.79M | -207.35K | -25.08K | -2.57M |
| Deferred Taxes | 23.88M | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 893.16K | 479.36K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39.84K | 0 | 77.84K | 1000K | 0 |
| Other Liabilities | 75.49M | 30.92M | -10.45M | -9.99M | -14.5M | -18.45M | -12.26M | -11.54M | 63.65M | 62.37M | 73.8M | 68.74M | 60.48M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -39.84K | 0 | -77.84K | -1.2M | 0 |
| Total Equity | 272.89M | 268.3M | 251.77M | 251.55M | 241.01M | 229.09M | 200.42M | 191.36M | 175.64M | 177.92M | 155.14M | 142.78M | 137.56M | 128.61M | 115.13M | 106.51M | 103.93M | 97.26M | 89.86M | 99.28M | 95.28M | 84.3M | 72.51M | 63.19M | 52.67M | 44.27M | 39.19M | 37.5M | 36.33M | 31.13M | 25.99M |
| Equity Growth % | 17.96% | 6.56% | 0.09% | 4.37% | 5.21% | 14.3% | 4.73% | 8.95% | -1.28% | 14.69% | 8.66% | 3.79% | 6.96% | 11.7% | 8.09% | 2.49% | 6.86% | 8.24% | -9.49% | 4.2% | 13.02% | 16.26% | 14.75% | 19.98% | 18.97% | 12.97% | 4.5% | 3.23% | 16.7% | 19.78% | 17.01% |
| Shareholders Equity | 272.89M | 268.3M | 251.77M | 251.55M | 241.01M | 229.09M | 200.42M | 191.36M | 175.64M | 177.84M | 155.05M | 142.67M | 137.56M | 128.06M | 114.64M | 106.51M | 103.93M | 97.26M | 89.86M | 99.28M | 95.28M | 84.3M | 72.51M | 63.19M | 52.67M | 44.27M | 39.19M | 37.5M | 36.33M | 31.13M | 25.99M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 84.95K | 90.89K | 107.2K | 0 | 545.49K | 493.86K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 272.53M | 267.21M | 251.42M | 250.91M | 240.81M | 225.86M | 196.1M | 188.26M | 174.69M | 161.89M | 143.28M | 131.19M | 124.71M | 116.71M | 105.82M | 99M | 98.24M | 92.53M | 88.25M | 95.74M | 92.13M | 81.48M | 69.27M | 59.76M | 49.61M | 41.93M | 37.02M | 36.31M | 33.05M | 27.93M | 23.75M |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1K | 1K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 732.45K | 879.61K | 722.32K |
| Accumulated OCI | 363K | 1.09M | 355K | 638K | 200K | 3.23M | 4.33M | 3.1M | 949K | 15.94M | 11.76M | 11.48M | 12.86M | 11.35M | 8.82M | 7.51M | 5.69M | 4.73M | 1.61M | 3.54M | 3.14M | 2.82M | 3.24M | 3.43M | 3.06M | 2.34M | 2.17M | 1.19M | 2.55M | 2.32M | 1.52M |
| Return on Equity (ROE) | 14.03% | 13.53% | 12.35% | 8.81% | 10.17% | 31.21% | 20.12% | 17.14% | 12.37% | 15.43% | 13.1% | 8.95% | 7.27% | 12.14% | 10.1% | 6.59% | 6.33% | 5.16% | -1.25% | 8.64% | 14.69% | 16.95% | 15.8% | 18.93% | 16.73% | 14.4% | - | 11.97% | 16.19% | 15.86% | 15.95% |
| Return on Assets (ROA) | 10.62% | 10.1% | 9.36% | 6.47% | 7.12% | 21.82% | 14.42% | 12.38% | 8.86% | 10.76% | 8.86% | 6.13% | 5.01% | 8.22% | 6.78% | 4.45% | 4.25% | 3.37% | -0.82% | 5.73% | 9.7% | 11% | 10.03% | 11.85% | 10.47% | 9.28% | - | 8.28% | 11.75% | 12.09% | 12.43% |
| Equity / Assets | 75.48% | 73.88% | 75.48% | 76.1% | 70.94% | 69.11% | 70.84% | 72.51% | 71.9% | 71.48% | 67.76% | 67.5% | 69.46% | 68.3% | 66.97% | 67.43% | 67.71% | 66.42% | 64.25% | 66.34% | 66.39% | 65.62% | 64.06% | 62.89% | 62.23% | 63.05% | 66.04% | 67.99% | 70.41% | 75.39% | 77.25% |
| Debt / Equity | 0.03x | 0.03x | 0.03x | 0.03x | 0.03x | 0.02x | 0.02x | 0.02x | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Book Value per Share | 144.08 | 141.58 | 133.07 | 132.89 | 126.98 | 120.57 | 105.71 | 100.93 | 92.59 | 93.84 | 81.01 | 71.75 | 67.51 | 61.93 | 54.39 | 49.09 | 45.39 | 42.30 | 38.01 | 39.57 | 37.16 | 32.33 | 27.66 | 24.08 | 20.27 | 17.03 | 15.07 | 13.46 | 12.79 | 11.01 | 9.28 |
| Tangible BV per Share | 133.06 | 130.53 | 125.11 | 124.30 | 117.70 | 112.18 | 100.55 | 95.51 | 86.91 | 87.85 | 74.61 | 71.14 | 66.88 | 61.28 | 53.71 | 49.09 | 45.39 | 42.30 | 38.01 | 39.57 | 37.16 | 32.33 | 27.66 | 24.08 | 20.27 | 17.03 | 15.07 | 13.46 | 12.79 | 11.01 | 9.28 |
Geographic and cyclical concentration
As reported in recent financial statements, ITIC has maintained a stable equity base, which fluctuated between $251.6 million and $278.0 million over the last ten quarters, suggesting that the company successfully preserves its capital foundation despite the inherent volatility of the regional real estate transaction market.
The company's ability to sustain equity levels during periods of fluctuating claims expenses indicates a conservative approach to capital retention. Investors should monitor whether this stability persists if regional transaction volumes in North Carolina face a prolonged downturn.
Based on historical data, ITIC's loss reserves have exhibited significant quarterly variance, including a notable spike to $25.2 million in 2025Q1, which implies that actuarial adjustments for title defects remain a primary source of noise in the company's reported financial performance for institutional observers.
The erratic nature of these reserve charges suggests that the company's underwriting outcomes are sensitive to non-linear claims events. This volatility warrants further investigation into the specific actuarial assumptions used to determine IBNR levels during periods of shifting real estate market conditions.
According to recent SEC filings, ITIC maintains a fortress-like balance sheet characterized by a near-total absence of long-term debt, providing the company with substantial flexibility to navigate cyclical downturns without the liquidity constraints that often plague more leveraged participants in the specialty insurance industry.
This lack of leverage appears to be a deliberate strategic choice that prioritizes solvency over aggressive capital expansion. While this approach limits potential ROE enhancement, it provides a significant buffer against the inherent risks of the title insurance business model.
As indicated by the company's reported figures, ITIC's heavy reliance on the North Carolina market creates a structural vulnerability, as the balance sheet's health is intrinsically tied to the regional economic performance and specific legal frameworks governing real estate closings in that single jurisdiction.
While the 'Approved Attorney' model provides a competitive moat, the lack of geographic diversification may limit the company's ability to offset regional downturns with growth elsewhere. Investors should consider this concentration as a primary risk factor that could lead to sudden balance sheet pressure.
Quick answers to the most common questions about buying ITIC stock.
As of 2025, Investors Title Company (ITIC) had total assets of $363.1M including $147.5M in current assets.
Investors Title Company (ITIC) carries total debt of $8.1M, offset by $117.8M in cash and short-term investments. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Investors Title Company (ITIC) has total shareholders' equity (book value) of $268.3M ($141.58 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Investors Title Company (ITIC) reported a current ratio of 2.93x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.