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Investors Title Company
(NASDAQ:ITIC)
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Rating:80Outperform
Price Target:
$329.00
▲(16.44% Upside)
Action:Reiterated
Date:08/11/26
The score is primarily driven by strong financial performance (low leverage, improving margins, and solid recent free cash flow), supported by reasonable valuation (moderate P/E with a solid dividend yield). Technicals are positive but more neutral than strongly bullish, and historical earnings/cash-flow volatility remains the key offset.
Positive Factors
Very conservative balance sheet
Extremely low leverage provides durable financial flexibility for underwriting volatility, dividend support, and opportunistic capital allocation. A minimal debt burden reduces interest risk and preserves capacity to absorb claim shocks or finance targeted investments without stressing capital.
Negative Factors
Historical earnings and cash-flow volatility
Past swings in earnings and intermittent negative free cash flow show profit and cash generation are cyclical. That reduces predictability of payouts and capital planning, requiring larger reserve buffers and tempering confidence in trend persistence despite recent improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Very conservative balance sheet
Extremely low leverage provides durable financial flexibility for underwriting volatility, dividend support, and opportunistic capital allocation. A minimal debt burden reduces interest risk and preserves capacity to absorb claim shocks or finance targeted investments without stressing capital.
Read all positive factors
Investors Title Company Key Performance Indicators (KPIs)
Any
Revenue by Segment
Breaks revenue down by business line (for example, title insurance premiums, closing/escrow services, underwriting income and investments) so you can see which parts of the company drive results. Helps reveal exposure to cyclical real estate activity, diversification of income streams, and whether growth is coming from stable services or volatile transaction volumes.
Breaks revenue down by business line (for example, title insurance premiums, closing/escrow services, underwriting income and investments) so you can see which parts of the company drive results. Helps reveal exposure to cyclical real estate activity, diversification of income streams, and whether growth is coming from stable services or volatile transaction volumes.
Data provided by:
The Fly
The FlyInvestors Title Company (ITIC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$561.92M
Dividend Yield3.48%
Average Volume (3M)19.25K
Price to Earnings (P/E)13.9
Beta (1Y)0.63
Revenue Growth8.67%
EPS Growth21.89%
CountryUS
Employees561
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)21.41
Shares Outstanding1,887,996
10 Day Avg. Volume17,057
30 Day Avg. Volume19,248
Financial Highlights & Ratios
PEG Ratio1.02
Price to Book (P/B)1.76
Price to Sales (P/S)1.73
P/FCF Ratio18.56
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Investors Title Company Business Overview & Revenue Model
Company Description
Investors Title Company (ITIC), along with its various subsidiaries, primarily specializes in providing title insurance for a diverse range of properties, including residential homes, commercial buildings, institutional facilities, and industrial ...
How the Company Makes Money
ITIC primarily makes money from its title insurance operations. Key revenue streams generally include: (1) Title insurance premiums earned from issuing owner and lender title insurance policies in connection with real estate purchase and refinance...
Investors Title Company Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
88
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 293.06M | 272.75M | 258.30M | 224.75M | 283.39M | 329.50M |
| Gross Profit | 287.60M | 268.15M | 146.43M | 136.61M | 157.57M | 181.00M |
| EBITDA | 58.60M | 48.97M | 43.96M | 30.35M | 33.69M | 87.37M |
| Net Income | 40.43M | 35.18M | 31.07M | 21.69M | 23.90M | 67.02M |
Balance Sheet | ||||||
| Total Assets | 380.13M | 363.14M | 333.57M | 330.56M | 339.76M | 331.49M |
| Cash, Cash Equivalents and Short-Term Investments | 72.19M | 117.81M | 196.73M | 198.10M | 192.95M | 162.89M |
| Total Debt | 8.72M | 8.05M | 6.36M | 6.45M | 6.84M | 5.33M |
| Total Liabilities | 93.55M | 94.84M | 81.80M | 79.01M | 98.75M | 102.40M |
| Stockholders Equity | 286.57M | 268.30M | 251.77M | 251.55M | 241.01M | 229.09M |
Cash Flow | ||||||
| Free Cash Flow | 29.23M | 25.38M | 22.42M | -1.76M | 30.52M | 45.40M |
| Operating Cash Flow | 31.91M | 30.94M | 29.84M | 7.43M | 36.20M | 51.93M |
| Investing Cash Flow | -21.19M | -14.82M | 1.75M | -6.70M | -28.75M | 9.07M |
| Financing Cash Flow | -19.93M | -19.93M | -30.96M | -12.01M | -9.31M | -37.55M |
Investors Title Company Technical Analysis
Positive
282.55
Price Trends
280.76
Positive
259.18
Positive
252.82
Positive
Market Momentum
4.25
Negative
66.98
Neutral
84.24
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ITIC, the sentiment is Positive. The current price of 282.55 is below the 20-day moving average (MA) of 290.14, above the 50-day MA of 280.76, and above the 200-day MA of 252.82, indicating a bullish trend. The MACD of 4.25 indicates Negative momentum. The RSI at 66.98 is Neutral, neither overbought nor oversold. The STOCH value of 84.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ITIC.
Investors Title Company Risk Analysis
Investors Title Company disclosed 23 risk factors in its most recent earnings report. Investors Title Company reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Investors Title Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $3.42B | 8.79 | 15.14% | ― | 7.53% | 7.71% | |
80 Outperform | $561.92M | 13.90 | 14.63% | 3.71% | 8.67% | 21.89% | |
75 Outperform | $12.72B | 16.47 | 10.13% | 3.96% | 12.68% | -27.30% | |
71 Outperform | $7.38B | 9.98 | 13.62% | 2.93% | 22.55% | 298.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $3.26B | 10.09 | 6.26% | 1.69% | 3.00% | -17.74% | |
60 Neutral | $883.48M | 70.72 | 0.82% | 2.61% | -5.83% | -82.97% |
* Financial Sector Average
ITIC
Investors Title Company
303.48
68.20
28.99%
AGO
Assured Guaranty
75.14
-4.80
-6.01%
EIG
Employers Holdings
48.80
7.12
17.09%
FNF
Fidelity National Financial
47.38
-8.57
-15.32%
FAF
First American Financial
73.28
9.25
14.44%
NMIH
NMI Holdings
45.31
5.95
15.12%
Investors Title Company Corporate Events
Executive/Board ChangesShareholder Meetings
Investors Title Shareholders Reelect Directors, Ratify Auditor
Positive
May 20, 2026
On May 20, 2026, Investors Title Company shareholders held their annual meeting and elected directors Tammy F. Coley, W. Morris Fine, and Richard M. Hutson II to three-year terms or until their successors are elected and qualified. The voting resu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.