Investors Title Company (ITIC)
NASDAQ:ITIC
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Investors Title Company
(NASDAQ:ITIC)
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Rating:74Outperform
Price Target:
$273.00
▲(7.57% Upside)
Action:Reiterated
Date:05/21/26
The score is driven primarily by strong financial fundamentals—especially the low-leverage balance sheet and healthy TTM profitability/cash generation—tempered by historical volatility. Valuation is supportive with a solid dividend yield and reasonable P/E, while technical indicators are neutral-to-mixed and recent corporate events are positive but modest in impact.
Positive Factors
Very low leverage
Extremely low debt (TTM D/E ~0.03) gives the company durable financial flexibility to absorb underwriting shocks, fund claim payouts, maintain regulatory capital and sustain dividends or opportunistic investments without relying on external financing, improving resilience across cycles.
Negative Factors
Multi-year volatility
Historic swings in revenue, margins and cash flow reduce predictability of earnings and capital allocations. For a business tied to transaction cycles, this volatility can compel conservative capital buffering, complicate dividend planning and heighten execution risk during slower market periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Very low leverage
Extremely low debt (TTM D/E ~0.03) gives the company durable financial flexibility to absorb underwriting shocks, fund claim payouts, maintain regulatory capital and sustain dividends or opportunistic investments without relying on external financing, improving resilience across cycles.
Read all positive factors
Investors Title Company (ITIC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$460.18M
Dividend Yield4.2%
Average Volume (3M)19.25K
Price to Earnings (P/E)16.9
Beta (1Y)0.66
Revenue Growth7.19%
EPS Growth27.90%
CountryUS
Employees521
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)20.17
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 Cap0.96
Enterprise Value/Revenue1.58
Enterprise Value/Gross Profit1.59
Enterprise Value/Ebitda8.48
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, through its subsidiaries, engages in the issuance of residential and commercial title insurance for residential, institutional, commercial, and industrial properties. The company underwrites land title insurance for owners...
How the Company Makes Money
ITIC primarily makes money by underwriting and issuing title insurance in connection with real estate transactions. The core revenue stream is title insurance premiums (and related policy charges) collected when buyers, lenders, or property owners...
Investors Title Company Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
86
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 280.20M | 272.75M | 258.30M | 224.75M | 283.39M | 329.50M |
| Gross Profit | 277.53M | 268.15M | 146.43M | 136.61M | 157.57M | 181.00M |
| EBITDA | 52.13M | 48.97M | 43.96M | 30.35M | 33.69M | 87.37M |
| Net Income | 38.08M | 35.18M | 31.07M | 21.69M | 23.90M | 67.02M |
Balance Sheet | ||||||
| Total Assets | 361.54M | 363.14M | 333.57M | 330.56M | 339.76M | 331.49M |
| Cash, Cash Equivalents and Short-Term Investments | 144.04M | 117.81M | 196.73M | 198.10M | 192.95M | 162.89M |
| Total Debt | 8.69M | 8.05M | 6.36M | 6.45M | 6.84M | 5.33M |
| Total Liabilities | 88.65M | 94.84M | 81.80M | 79.01M | 98.75M | 102.40M |
| Stockholders Equity | 272.89M | 268.30M | 251.77M | 251.55M | 241.01M | 229.09M |
Cash Flow | ||||||
| Free Cash Flow | 27.36M | 25.38M | 22.42M | -1.76M | 30.52M | 45.40M |
| Operating Cash Flow | 32.64M | 30.94M | 29.84M | 7.43M | 36.20M | 51.93M |
| Investing Cash Flow | -13.61M | -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
253.78
Price Trends
230.39
Positive
239.25
Positive
244.21
Negative
Market Momentum
1.71
Negative
57.34
Neutral
84.50
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 253.78 is above the 20-day moving average (MA) of 238.66, above the 50-day MA of 230.39, and above the 200-day MA of 244.21, indicating a neutral trend. The MACD of 1.71 indicates Negative momentum. The RSI at 57.34 is Neutral, neither overbought nor oversold. The STOCH value of 84.50 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $2.93B | 7.19 | 0.06% | ― | 7.29% | 6.16% | |
74 Outperform | $460.18M | 16.91 | 14.03% | 4.20% | 7.19% | 27.90% | |
73 Outperform | $6.99B | 12.41 | 12.56% | 3.58% | 27.63% | 328.74% | |
68 Neutral | $3.49B | 10.51 | 7.38% | 1.50% | 2.70% | 3.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $13.33B | 12.84 | 9.85% | 3.69% | 13.76% | -30.60% | |
63 Neutral | $796.49M | 24.21 | 0.83% | 2.94% | 0.41% | -91.81% |
* Financial Sector Average
ITIC
Investors Title Company
243.74
19.51
8.70%
AGO
Assured Guaranty
78.82
-3.73
-4.52%
EIG
Employers Holdings
43.66
-3.48
-7.38%
FNF
Fidelity National Financial
49.13
-1.14
-2.27%
FAF
First American Financial
68.16
14.34
26.64%
NMIH
NMI Holdings
38.25
0.61
1.62%
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.