Investors Title (ITIC) | Financial Analysis & Statements
Investors Title Company Small-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Dec 2025Income Metrics
Revenue
70.0M
Net Income
7.5M
10.74%
EPS (Diluted)
$3.97
Balance Sheet Metrics
Total Assets
363.1M
Total Liabilities
94.8M
Shareholders Equity
268.3M
Debt to Equity
0.35
Cash Flow Metrics
Operating Cash Flow
6.2M
Free Cash Flow
3.7M
Revenue & Profitability Trend
Quarter Income Flow
Dec 31, 2025
Annual Income Flow
2025
Investors Title Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 273.2M | 258.3M | 224.8M | 283.4M | 329.5M |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 72.2M | 72.5M | 76.7M | 85.3M | 64.2M |
| Other Operating Expenses | 37.7M | 34.4M | 33.7M | 42.1M | 31.9M |
| Total Operating Expenses | 109.9M | 107.0M | 110.4M | 127.5M | 96.1M |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | 3.3M | 947.0K | 991.0K | 1.1M | 4.8M |
| Pre-tax Income | 44.5M | 39.5M | 26.2M | 30.1M | 84.9M |
| Income Tax | 9.4M | 8.4M | 4.5M | 6.2M | 17.9M |
| Effective Tax Rate % | 21.0% | 21.3% | 17.3% | 20.6% | 21.1% |
| Net Income | 35.2M | 31.1M | 21.7M | 23.9M | 67.0M |
| Net Margin % | 12.9% | 12.0% | 9.6% | 8.4% | 20.3% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | - | $16.48 | $11.45 | $12.60 | $35.38 |
| EPS (Diluted) | - | $16.43 | $11.45 | $12.59 | $35.28 |
| Basic Shares Outstanding | - | 1885000 | 1893000 | 1897000 | 1894000 |
| Diluted Shares Outstanding | - | 1885000 | 1893000 | 1897000 | 1894000 |
Income Statement Trend
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Investors Title Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 20.8M | 24.7M | 24.0M | 35.3M | 37.2M |
| Short-term Investments | 97.0M | 172.1M | 174.1M | 157.6M | 125.7M |
| Accounts Receivable | 17.1M | 16.1M | 13.3M | 19.0M | 23.0M |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | - | - | - | - | - |
| Goodwill | 30.2M | 24.7M | 25.9M | 27.2M | 23.2M |
| Intangible Assets | 11.6M | 5.4M | 6.6M | 8.0M | 8.7M |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 363.1M | 333.6M | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 41.5M | 34.0M | 31.9M | 47.0M | 43.9M |
| Short-term Debt | 1.7M | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 6.4M | 6.4M | 6.4M | 6.8M | 5.3M |
| Deferred Tax Liabilities | 7.2M | 4.1M | 3.5M | 7.7M | 13.1M |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 94.8M | 81.8M | - | - | - |
| Equity | |||||
| Common Stock | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 267.2M | 251.4M | 250.9M | 240.8M | 225.9M |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 268.3M | 251.8M | 251.6M | 241.0M | 229.1M |
| Key Metrics | |||||
| Total Debt | 8.0M | 6.4M | 6.4M | 6.8M | 5.3M |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Investors Title Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 35.2M | 31.1M | 21.7M | 23.9M | 67.0M |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | 543.0K | 394.0K | 425.0K | 362.0K | 299.0K |
| Working Capital Changes | -3.1M | 3.2M | -4.0M | 6.7M | -4.7M |
| Operating Cash Flow | 36.5M | 35.2M | 13.9M | 26.7M | 70.6M |
| Investing Activities | |||||
| Capital Expenditures | -5.0M | -7.1M | -8.7M | -5.7M | 205.0K |
| Acquisitions | -4.5M | - | 0 | -4.9M | 0 |
| Investment Purchases | -179.5M | -199.4M | -210.1M | -119.9M | -45.3M |
| Investment Sales | 174.2M | 208.3M | 212.0M | 101.7M | 53.2M |
| Investing Cash Flow | -14.8M | 1.7M | -6.7M | -28.7M | 9.1M |
| Financing Activities | |||||
| Share Repurchases | 0 | -1.1M | -959.0K | -133.0K | 0 |
| Dividends Paid | -19.9M | -29.9M | -11.0M | -9.2M | -37.6M |
| Debt Issuance | - | - | - | - | - |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | -19.9M | -31.0M | -12.0M | -9.3M | -37.6M |
| Free Cash Flow | 25.4M | 22.4M | -1.8M | 30.5M | 45.4M |
| Net Change in Cash | 1.8M | 6.0M | -4.8M | -11.3M | 42.1M |
Cash Flow Trend
Investors Title Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
12.73
Price to Book
1.66
Price to Sales
1.64
PEG Ratio
-1.23
Profitability Ratios
Profit Margin
12.90%
Operating Margin
13.78%
Return on Equity
13.53%
Return on Assets
7.99%
Financial Health
Current Ratio
1.47
Debt to Equity
3.00
Beta
0.67
Per Share Data
EPS (TTM)
$18.57
Book Value per Share
$142.11
Revenue per Share
$144.52
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| ITIC | 459.1M | 12.73 | 1.66 | 13.53% | 12.90% | 3.00 |
| Fidelity National | 14.0B | 22.93 | 1.85 | 7.76% | 4.15% | 53.14 |
| Ryan Specialty | 9.4B | 77.21 | 7.26 | 18.21% | 2.12% | 281.55 |
| Employers Holdings | 822.3M | 91.17 | 0.89 | 1.07% | 1.26% | 4.07 |
| Tiptree | 649.2M | 14.14 | 1.27 | -5.52% | 0.00% | 10.98 |
| Amerisafe | 588.4M | 13.42 | 2.47 | 18.53% | 14.86% | 0.20 |
Financial data is updated regularly. All figures are in the company's reporting currency.






