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Investors Title (ITIC) Financials

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$246.14 -1.07 (-0.43%)
Closing price 08/28/2025 04:00 PM Eastern
Extended Trading
$246.36 +0.23 (+0.09%)
As of 08/28/2025 06:28 PM Eastern
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Annual Income Statements for Investors Title

Annual Income Statements for Investors Title

This table shows Investors Title's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 24 22 31
Consolidated Net Income / (Loss)		 24 22 31
Net Income / (Loss) Continuing Operations		 24 22 31
Total Pre-Tax Income 		30 26 39
Total Revenue		 283 225 258
Net Interest Income / (Expense)		 0.00 0.00 0.00
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00
Total Non-Interest Income		 283 225 258
Service Charges on Deposit Accounts		 14 19 17
Other Service Charges		 27 22 22
Net Realized & Unrealized Capital Gains on Investments		 -11 3.45 4.68
Premiums Earned		 249 171 204
Investment Banking Income		 4.70 9.06 11
Total Non-Interest Expense		 253 199 219
Salaries and Employee Benefits		 207 160 180
Net Occupancy & Equipment Expense		 17 17 18
Property & Liability Insurance Claims		 4.26 4.76 4.53
Other Operating Expenses		 25 16 17
Income Tax Expense		 6.21 4.54 8.39
Basic Earnings per Share		 $12.60 $11.45 $16.48
Weighted Average Basic Shares Outstanding		 1.90M 1.89M 1.89M
Diluted Earnings per Share		 $12.59 $11.45 $16.43
Weighted Average Diluted Shares Outstanding		 1.90M 1.89M 1.89M
Weighted Average Basic & Diluted Shares Outstanding		 1.90M 1.89M 1.89M
Cash Dividends to Common per Share		 $4.84 $5.84 $15.84

Quarterly Income Statements for Investors Title

This table shows Investors Title's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
Consolidated Net Income / (Loss)		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
Net Income / (Loss) Continuing Operations		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
Total Pre-Tax Income 		10 9.27 1.56 9.85 8.61 6.21 5.80 11 12 11
Total Revenue		 78 65 51 58 61 54 53 65 69 71
Total Non-Interest Income		 78 67 51 58 61 54 53 65 69 71
Service Charges on Deposit Accounts		 3.68 5.03 5.31 4.57 4.64 4.72 4.30 4.30 4.31 4.28
Other Service Charges		 8.59 4.36 4.55 6.50 5.45 5.35 4.03 5.85 5.96 5.66
Net Realized & Unrealized Capital Gains on Investments		 -2.15 5.23 0.44 1.09 -0.82 2.73 2.42 1.24 0.98 0.04
Premiums Earned		 67 49 39 44 50 38 40 51 55 58
Investment Banking Income		 1.23 - 2.07 2.15 2.31 2.52 2.52 2.57 2.74 2.83
Total Non-Interest Expense		 68 56 50 48 53 47 48 54 57 60
Salaries and Employee Benefits		 55 46 40 39 43 38 38 45 47 50
Net Occupancy & Equipment Expense		 4.27 4.39 4.40 4.51 4.21 4.24 4.47 4.31 4.39 4.34
Property & Liability Insurance Claims		 1.97 0.80 1.07 0.99 1.84 0.87 0.91 0.91 1.67 1.05
Other Operating Expenses		 6.61 5.03 4.17 3.81 3.86 4.47 3.84 4.20 4.04 4.87
Income Tax Expense		 2.18 1.75 0.38 2.26 1.53 0.38 1.27 2.40 2.27 2.45
Basic Earnings per Share		 $4.17 $3.97 $0.62 $4.00 $3.75 $3.08 $2.40 $4.71 $4.94 $4.43
Weighted Average Basic Shares Outstanding		 1.90M 1.90M 1.90M 1.90M 1.89M 1.89M 1.89M 1.88M 1.88M 1.89M
Diluted Earnings per Share		 $4.17 $3.97 $0.62 $4.00 $3.75 $3.08 $2.40 $4.70 $4.92 $4.41
Weighted Average Diluted Shares Outstanding		 1.90M 1.90M 1.90M 1.90M 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M
Weighted Average Basic & Diluted Shares Outstanding		 1.90M 1.90M 1.90M 1.89M 1.89M 1.89M 1.88M 1.88M 1.88M 1.89M

Annual Cash Flow Statements for Investors Title

This table details how cash moves in and out of Investors Title's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -1.86 -11 0.62
Net Cash From Operating Activities		 36 7.43 30
Net Cash From Continuing Operating Activities		 36 7.43 30
Net Income / (Loss) Continuing Operations		 24 22 31
Consolidated Net Income / (Loss)		 24 22 31
Depreciation Expense		 2.30 2.76 3.32
Amortization Expense		 1.55 -2.34 -2.25
Non-Cash Adjustments to Reconcile Net Income		 5.10 -11 -5.78
Changes in Operating Assets and Liabilities, net		 3.35 -3.97 3.48
Net Cash From Investing Activities		 -29 -6.70 1.75
Net Cash From Continuing Investing Activities		 -29 -6.70 1.75
Purchase of Property, Leasehold Improvements and Equipment		 -5.68 -9.19 -7.42
Purchase of Investment Securities		 -125 -210 -199
Sale of Property, Leasehold Improvements and Equipment		 0.03 0.53 0.28
Sale and/or Maturity of Investments		 102 212 208
Net Cash From Financing Activities		 -9.32 -12 -31
Net Cash From Continuing Financing Activities		 -9.32 -12 -31
Repurchase of Common Equity		 -0.13 -0.96 -1.10
Payment of Dividends		 -9.18 -11 -30
Other Financing Activities, Net		 -0.00 0.00 0.00
Cash Income Taxes Paid		 15 8.69 6.62

Quarterly Cash Flow Statements for Investors Title

This table details how cash moves in and out of Investors Title's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 5.89 -6.07 -5.76 -3.37 4.23 -6.38 -2.42 5.07 -1.22 -0.81
Net Cash From Operating Activities		 12 16 -13 5.67 0.70 14 1.44 8.43 7.82 12
Net Cash From Continuing Operating Activities		 12 16 -13 5.64 0.70 14 1.44 8.43 7.82 12
Net Income / (Loss) Continuing Operations		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
Consolidated Net Income / (Loss)		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
Depreciation Expense		 0.57 0.62 0.64 0.67 0.70 0.76 0.79 0.91 0.79 0.83
Amortization Expense		 0.27 0.32 -0.53 -0.51 -0.63 -0.66 -0.89 -0.66 -0.62 -0.08
Non-Cash Adjustments to Reconcile Net Income		 1.65 -5.22 -2.95 -3.68 -0.02 -4.07 -2.25 -1.85 -1.95 0.26
Changes in Operating Assets and Liabilities, net		 1.61 13 -11 1.57 -6.43 12 -0.73 1.16 0.28 2.78
Net Cash From Investing Activities		 -5.16 -15 8.21 -7.21 4.40 -12 -1.94 -2.45 -8.18 14
Net Cash From Continuing Investing Activities		 -5.16 -15 8.21 -7.21 4.40 -12 -1.94 -2.45 -8.18 14
Purchase of Property, Leasehold Improvements and Equipment		 -1.53 -1.70 -2.30 -2.72 -1.60 -2.57 -2.23 -2.11 -1.73 -1.35
Purchase of Investment Securities		 -16 -54 -26 -73 -43 -67 -41 -74 -42 -41
Sale of Property, Leasehold Improvements and Equipment		 0.06 -0.07 0.24 0.11 0.06 0.12 0.02 0.01 0.22 0.03
Sale and/or Maturity of Investments		 12 40 36 69 49 58 41 74 36 57
Net Cash From Financing Activities		 -0.96 -6.61 -0.87 -1.83 -0.87 -8.43 -1.92 -0.91 -0.87 -27
Net Cash From Continuing Financing Activities		 -0.96 -6.61 -0.87 -1.83 -0.87 -8.43 -1.92 -0.91 -0.87 -27
Repurchase of Common Equity		 -0.09 -0.05 0.00 -0.96 - - -1.05 -0.05 - -0.00
Payment of Dividends		 -0.87 -6.56 -0.87 -0.87 -0.87 -8.43 -0.87 -0.87 -0.87 -27
Other Financing Activities, Net		 - - - - - - - - - -0.00
Cash Income Taxes Paid		 5.49 0.16 0.00 3.73 3.24 1.72 0.00 3.15 2.50 0.98

Annual Balance Sheets for Investors Title

This table presents Investors Title's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 340 331 334
Cash and Due from Banks		 35 24 25
Trading Account Securities		 106 101 153
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Accrued Investment Income		 0.87 0.98 1.47
Premises and Equipment, Net		 18 24 28
Unearned Premiums Asset		 19 13 16
Intangible Assets		 18 16 15
Other Assets		 143 151 96
Total Liabilities & Shareholders' Equity		 340 331 334
Total Liabilities		 99 79 82
Other Short-Term Payables		 47 32 34
Claims and Claim Expense		 37 37 37
Other Long-Term Liabilities		 15 10.00 11
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 241 252 252
Total Preferred & Common Equity		 241 252 252
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 241 252 252
Common Stock		 0.00 0.00 0.00
Retained Earnings		 241 251 251
Accumulated Other Comprehensive Income / (Loss)		 0.20 0.64 0.36

Quarterly Balance Sheets for Investors Title

This table presents Investors Title's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 333 324 330 332 329 340 352
Cash and Due from Banks		 41 30 26 30 22 27 25
Trading Account Securities		 108 95 93 96 99 130 141
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 0.97 0.92 0.95 1.11 1.09 1.32 1.47
Premises and Equipment, Net		 17 19 21 22 25 27 27
Unearned Premiums Asset		 23 17 17 17 13 13 14
Intangible Assets		 18 17 17 17 16 16 15
Other Assets		 125 145 155 148 153 126 127
Total Liabilities & Shareholders' Equity		 333 324 330 332 329 340 352
Total Liabilities		 94 82 83 79 76 79 81
Other Short-Term Payables		 42 31 34 31 28 31 34
Claims and Claim Expense		 38 37 37 37 37 37 37
Other Long-Term Liabilities		 14 14 12 11 10 9.84 9.71
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 239 242 247 253 254 262 271
Total Preferred & Common Equity		 239 242 247 253 254 262 271
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 239 242 247 253 254 262 271
Common Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Retained Earnings		 240 241 247 253 254 262 270
Accumulated Other Comprehensive Income / (Loss)		 -0.75 0.56 0.16 -0.76 0.35 0.17 1.09

Annual Metrics And Ratios for Investors Title

This table displays calculated financial ratios and metrics derived from Investors Title's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 -13.99% -20.69% 14.93%
EBITDA Growth		 -61.57% -21.51% 52.09%
EBIT Growth		 -64.55% -12.88% 50.45%
NOPAT Growth		 -64.33% -9.28% 43.29%
Net Income Growth		 -64.33% -9.28% 43.29%
EPS Growth		 -64.31% -9.05% 43.49%
Operating Cash Flow Growth		 -30.28% -79.49% 301.83%
Free Cash Flow Firm Growth		 -68.77% -6.97% 176.86%
Invested Capital Growth		 5.21% 4.37% 0.09%
Revenue Q/Q Growth		 -8.27% -4.99% 7.02%
EBITDA Q/Q Growth		 -30.11% -12.76% 14.88%
EBIT Q/Q Growth		 -32.68% -10.45% 13.19%
NOPAT Q/Q Growth		 -32.27% -7.23% 8.85%
Net Income Q/Q Growth		 -32.27% -7.23% 8.85%
EPS Q/Q Growth		 -32.17% -7.21% 8.81%
Operating Cash Flow Q/Q Growth		 -0.93% -19.09% -6.28%
Free Cash Flow Firm Q/Q Growth		 -71.17% 14.31% 211.58%
Invested Capital Q/Q Growth		 0.82% -0.44% -7.20%
Profitability Metrics		 - - -
EBITDA Margin		 11.98% 11.86% 15.69%
EBIT Margin		 10.62% 11.67% 15.28%
Profit (Net Income) Margin		 8.43% 9.65% 12.03%
Tax Burden Percent		 79.39% 82.68% 78.74%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 20.61% 17.32% 21.26%
Return on Invested Capital (ROIC)		 10.17% 8.81% 12.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 5.10% 4.52% 12.26%
Operating Return on Assets (OROA)		 8.97% 7.83% 11.88%
Return on Assets (ROA)		 7.12% 6.47% 9.36%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 9.92% 8.62% 12.34%
Net Operating Profit after Tax (NOPAT)		 24 22 31
NOPAT Margin		 8.43% 9.65% 12.03%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 79.12% 78.95% 76.41%
Operating Expenses to Revenue		 89.38% 88.33% 84.72%
Earnings before Interest and Taxes (EBIT)		 30 26 39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 34 27 41
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.11 1.15 1.77
Price to Tangible Book Value (P/TBV)		 1.20 1.23 1.88
Price to Revenue (P/Rev)		 0.94 1.29 1.73
Price to Earnings (P/E)		 11.20 13.32 14.36
Dividend Yield		 1.30% 1.20% 6.69%
Earnings Yield		 8.93% 7.51% 6.97%
Enterprise Value to Invested Capital (EV/IC)		 0.96 1.05 1.67
Enterprise Value to Revenue (EV/Rev)		 0.82 1.18 1.63
Enterprise Value to EBITDA (EV/EBITDA)		 6.84 9.94 10.40
Enterprise Value to EBIT (EV/EBIT)		 7.72 10.10 10.68
Enterprise Value to NOPAT (EV/NOPAT)		 9.72 12.21 13.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.42 35.66 14.12
Enterprise Value to Free Cash Flow (EV/FCFF)		 19.40 23.77 13.66
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00
Leverage Ratio		 1.43 1.36 1.32
Compound Leverage Factor		 1.43 1.36 1.32
Debt to Total Capital		 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 12 11 31
Operating Cash Flow to CapEx		 640.21% 85.78% 417.46%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00
Efficiency Ratios		 - - -
Asset Turnover		 0.84 0.67 0.78
Fixed Asset Turnover		 18.39 10.79 9.97
Capital & Investment Metrics		 - - -
Invested Capital		 241 252 252
Invested Capital Turnover		 1.21 0.91 1.03
Increase / (Decrease) in Invested Capital		 12 11 0.22
Enterprise Value (EV)		 232 265 421
Market Capitalization		 268 289 446
Book Value per Share		 $127.05 $133.05 $133.63
Tangible Book Value per Share		 $117.77 $124.46 $125.63
Total Capital		 241 252 252
Total Debt		 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -35 -24 -25
Capital Expenditures (CapEx)		 5.66 8.66 7.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 3.85 0.42 1.07
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $12.60 $11.45 $16.48
Adjusted Weighted Average Basic Shares Outstanding		 1.90M 1.89M 1.89M
Adjusted Diluted Earnings per Share		 $12.59 $11.45 $16.43
Adjusted Weighted Average Diluted Shares Outstanding		 1.90M 1.89M 1.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.90M 1.89M 1.89M
Normalized Net Operating Profit after Tax (NOPAT)		 24 22 31
Normalized NOPAT Margin		 8.43% 9.65% 12.03%
Pre Tax Income Margin		 10.62% 11.67% 15.28%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00
Payout Ratios		 - - -
Dividend Payout Ratio		 38.41% 50.95% 96.11%
Augmented Payout Ratio		 38.97% 55.37% 99.65%

Quarterly Metrics And Ratios for Investors Title

This table displays calculated financial ratios and metrics derived from Investors Title's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -4.20% -28.06% -25.59% -17.75% -21.27% -18.03% 4.12% 12.12% 12.08% 31.56%
EBITDA Growth		 -43.17% -58.89% -81.08% 149.44% -20.66% -38.17% 241.39% 15.19% 35.61% 83.21%
EBIT Growth		 -45.28% -61.18% -79.97% 233.42% -14.65% -33.01% 271.36% 14.43% 34.59% 74.01%
NOPAT Growth		 -45.44% -60.21% -80.91% 232.82% -10.48% -22.46% 283.15% 16.95% 31.49% 43.28%
Net Income Growth		 -45.44% -60.21% -80.91% 232.82% -10.48% -22.46% 283.15% 16.95% 31.49% 43.28%
EPS Growth		 -45.35% -60.06% -80.92% 233.33% -10.07% -22.42% 287.10% 17.50% 31.20% 43.18%
Operating Cash Flow Growth		 -37.46% -2.09% -1,070.50% -18.40% -94.15% -11.02% 110.98% 48.81% 1,014.10% -14.14%
Free Cash Flow Firm Growth		 179.31% 54.91% 39.22% -725.14% -146.15% -7.00% 6.93% 12.28% -42.60% 273.01%
Invested Capital Growth		 -2.55% 5.21% 4.02% 6.04% 5.70% 4.37% 5.01% 5.89% 7.38% 0.09%
Revenue Q/Q Growth		 10.01% -16.03% -21.61% 13.58% 5.31% -12.58% -0.42% 22.30% 5.27% 2.61%
EBITDA Q/Q Growth		 172.69% -6.61% -83.67% 499.88% -13.26% -27.23% -9.84% 102.41% 2.12% -1.69%
EBIT Q/Q Growth		 241.62% -8.07% -83.17% 530.75% -12.55% -27.84% -6.70% 94.36% 2.85% -6.71%
NOPAT Q/Q Growth		 247.21% -4.89% -84.31% 542.25% -6.61% -17.62% -22.46% 96.04% 5.01% -10.23%
Net Income Q/Q Growth		 247.21% -4.89% -84.31% 542.25% -6.61% -17.62% -22.46% 96.04% 5.01% -10.23%
EPS Q/Q Growth		 247.50% -4.80% -84.38% 545.16% -6.25% -17.87% -22.08% 95.83% 4.68% -10.37%
Operating Cash Flow Q/Q Growth		 72.92% 32.41% -182.33% 143.29% -87.61% 1,915.53% -89.84% 486.85% -7.26% 55.34%
Free Cash Flow Firm Q/Q Growth		 1,265.80% -131.02% -85.65% 20.53% -0.83% 28.08% -61.47% 25.10% -63.91% 187.27%
Invested Capital Q/Q Growth		 2.51% 0.82% 0.34% 2.24% 2.19% -0.44% 0.96% 3.09% 3.63% -7.20%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 14.02% 15.59% 3.25% 17.15% 14.12% 11.76% 10.65% 17.62% 17.09% 16.37%
EBIT Margin		 12.93% 14.16% 3.04% 16.88% 14.02% 11.57% 10.84% 17.23% 16.84% 15.31%
Profit (Net Income) Margin		 10.15% 11.49% 2.30% 13.01% 11.54% 10.87% 8.46% 13.57% 13.53% 11.84%
Tax Burden Percent		 78.44% 81.15% 75.66% 77.04% 82.28% 93.93% 78.06% 78.73% 80.38% 77.35%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.56% 18.85% 24.34% 22.96% 17.72% 6.07% 21.94% 21.27% 19.62% 22.65%
Return on Invested Capital (ROIC)		 12.94% 13.85% 2.58% 13.71% 11.10% 9.92% 7.75% 12.47% 12.47% 12.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 17.16% 5.10% 4.03% 4.22% 3.97% 4.52% 5.21% 4.62% 3.78% 12.26%
Operating Return on Assets (OROA)		 11.96% 11.96% 2.48% 13.04% 9.98% 7.76% 7.53% 12.02% 11.88% 11.91%
Return on Assets (ROA)		 9.38% 9.70% 1.87% 10.04% 8.21% 7.29% 5.88% 9.46% 9.55% 9.21%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 14.76% 0.00% 7.81% 9.79% 9.25% 0.00% 9.86% 10.05% 10.52% 0.00%
Net Operating Profit after Tax (NOPAT)		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
NOPAT Margin		 10.15% 11.49% 2.30% 13.01% 11.54% 10.87% 8.46% 13.57% 13.53% 11.84%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 76.08% 76.94% 86.76% 74.88% 76.69% 78.48% 80.28% 74.96% 74.87% 76.31%
Operating Expenses to Revenue		 87.07% 85.84% 96.96% 83.12% 85.98% 88.43% 89.16% 82.77% 83.16% 84.69%
Earnings before Interest and Taxes (EBIT)		 10 9.27 1.56 9.85 8.61 6.21 5.80 11 12 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 10 1.67 10 8.67 6.31 5.69 12 12 12
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 1.11 1.14 1.08 1.07 1.15 1.21 1.30 1.60 1.77
Price to Tangible Book Value (P/TBV)		 1.13 1.20 1.22 1.16 1.14 1.23 1.29 1.38 1.69 1.88
Price to Revenue (P/Rev)		 0.81 0.94 1.03 1.05 1.14 1.29 1.36 1.45 1.79 1.73
Price to Earnings (P/E)		 7.09 11.20 14.54 11.02 11.54 13.32 12.29 12.89 15.17 14.36
Dividend Yield		 1.40% 1.30% 1.27% 1.31% 1.29% 1.20% 1.13% 1.02% 0.80% 6.69%
Earnings Yield		 14.11% 8.93% 6.88% 9.07% 8.66% 7.51% 8.13% 7.76% 6.59% 6.97%
Enterprise Value to Invested Capital (EV/IC)		 0.87 0.96 1.01 0.97 0.95 1.05 1.13 1.19 1.50 1.67
Enterprise Value to Revenue (EV/Rev)		 0.68 0.82 0.92 0.95 1.01 1.18 1.26 1.34 1.69 1.63
Enterprise Value to EBITDA (EV/EBITDA)		 4.30 6.84 9.14 7.33 7.84 9.94 9.33 9.71 11.55 10.40
Enterprise Value to EBIT (EV/EBIT)		 4.67 7.72 10.27 7.82 8.17 10.10 9.39 9.81 11.69 10.68
Enterprise Value to NOPAT (EV/NOPAT)		 5.91 9.72 12.98 9.94 10.24 12.21 11.43 11.88 14.27 13.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.71 6.42 11.27 11.74 26.08 35.66 13.03 12.65 12.80 14.12
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.02 19.40 25.67 23.74 24.56 23.77 22.17 26.60 41.15 13.66
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 1.38 1.43 1.38 1.36 1.35 1.36 1.32 1.32 1.31 1.32
Compound Leverage Factor		 1.38 1.43 1.38 1.36 1.35 1.36 1.32 1.32 1.31 1.32
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 14 -4.40 -8.17 -6.49 -6.54 -4.71 -7.60 -5.69 -9.33 8.14
Operating Cash Flow to CapEx		 815.83% 899.38% -636.15% 217.29% 45.35% 579.17% 64.93% 401.38% 516.58% 920.38%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.92 0.84 0.81 0.77 0.71 0.67 0.69 0.70 0.71 0.78
Fixed Asset Turnover		 19.36 18.39 16.32 13.72 12.22 10.79 10.20 9.81 9.74 9.97
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 239 241 242 247 253 252 254 262 271 252
Invested Capital Turnover		 1.28 1.21 1.12 1.05 0.96 0.91 0.92 0.92 0.92 1.03
Increase / (Decrease) in Invested Capital		 -6.26 12 9.35 14 14 11 12 15 19 0.22
Enterprise Value (EV)		 209 232 245 241 239 265 286 313 407 421
Market Capitalization		 250 268 275 267 270 289 308 339 433 446
Book Value per Share		 $125.99 $127.05 $127.51 $130.30 $133.64 $133.05 $134.33 $138.98 $144.02 $133.63
Tangible Book Value per Share		 $116.53 $117.77 $118.40 $121.38 $124.87 $124.46 $125.91 $130.68 $135.87 $125.63
Total Capital		 239 241 242 247 253 252 254 262 271 252
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -41 -35 -30 -26 -30 -24 -22 -27 -25 -25
Capital Expenditures (CapEx)		 1.47 1.77 2.06 2.61 1.55 2.44 2.21 2.10 1.51 1.32
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.84 0.94 0.11 0.15 0.06 0.10 -0.11 0.25 0.18 0.75
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $4.17 $3.97 $0.62 $4.00 $3.75 $3.08 $2.40 $4.71 $4.94 $4.43
Adjusted Weighted Average Basic Shares Outstanding		 1.90M 1.90M 1.90M 1.90M 1.89M 1.89M 1.89M 1.88M 1.88M 1.89M
Adjusted Diluted Earnings per Share		 $4.17 $3.97 $0.62 $4.00 $3.75 $3.08 $2.40 $4.70 $4.92 $4.41
Adjusted Weighted Average Diluted Shares Outstanding		 1.90M 1.90M 1.90M 1.90M 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.90M 1.90M 1.90M 1.89M 1.89M 1.89M 1.88M 1.88M 1.88M 1.89M
Normalized Net Operating Profit after Tax (NOPAT)		 7.91 7.53 1.18 7.59 7.08 5.84 4.53 8.87 9.32 8.36
Normalized NOPAT Margin		 10.15% 11.49% 2.30% 13.01% 11.54% 10.87% 8.46% 13.57% 13.53% 11.84%
Pre Tax Income Margin		 12.93% 14.16% 3.04% 16.88% 14.02% 11.57% 10.84% 17.23% 16.84% 15.31%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 106.53% 38.41% 48.58% 37.93% 39.27% 50.95% 44.12% 41.93% 38.65% 96.11%
Augmented Payout Ratio		 106.78% 38.97% 48.58% 42.45% 43.57% 55.37% 52.15% 46.11% 42.49% 99.65%

Key Financial Trends

Investors Title (NASDAQ: ITIC) has demonstrated steady earnings growth over the past year, reflecting improving operational performance and effective cost control.

Key Positive Trends:

  • Net income has increased from $4.53 million in Q1 2024 to $8.36 million in Q4 2024, showing a significant improvement in profitability over the year.
  • Earnings per share (basic and diluted) rose from $2.40 in Q1 2024 to $4.43 in Q4 2024, indicating strong shareholder value creation.
  • Total non-interest income, the primary revenue source, grew quarter-over-quarter from $53.46 million in Q1 2024 to $70.63 million in Q4 2024, driven by higher premiums earned and stable service charges.
  • Operating cash flow remained robust with $14.15 million generated in Q4 2023 and $12.15 million in Q4 2024, supporting the company's liquidity position and enabling dividend payments.
  • Share repurchases were minimal, suggesting disciplined capital allocation alongside consistent dividend payments of $0.46 per share each quarter.
  • Total equity increased steadily, reaching $271.3 million by Q3 2024, signaling strong retained earnings growth and balance sheet strength.

Neutral Observations:

  • The company continues to generate no interest income or incur interest expense, consistent with its business model focusing on title insurance and related services rather than banking.
  • Capital expenditures on property, equipment, and investments have fluctuated but remain manageable relative to cash flows, supporting ongoing operations and growth.
  • The number of weighted average shares outstanding has been stable around 1.88 to 1.89 million, indicating no significant dilution concerns.

Potential Concerns:

  • Investment related gains and losses show some volatility, e.g., a net realized & unrealized capital losses of -$815,000 in Q3 2023, which could affect earnings unpredictably.
  • Total non-interest expenses have increased over time from $47.48 million in Q1 2024 to $59.8 million in Q4 2024, with salaries and employee benefits a major cost driver, potentially pressuring margins if revenue growth slows.

Summary: Investors Title has exhibited a strong performance trajectory in 2024, with growing net income, solid operating cash flow, and steady equity buildup. The company's ability to sustain premium earnings growth and control expenses will remain key to maintaining profitability. Modest volatility in investment gains/losses and rising expenses warrant ongoing monitoring, but overall, the fundamentals displayed are encouraging for retail investors considering ITIC as a long-term investment.

08/29/25 05:03 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Investors Title's Financials

When does Investors Title's financial year end?

According to the most recent income statement we have on file, Investors Title's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Investors Title's net income changed over the last 2 years?

Investors Title's net income appears to be on an upward trend, with a most recent value of $31.07 million in 2024, rising from $23.90 million in 2022. The previous period was $21.69 million in 2023.

How has Investors Title's revenue changed over the last 2 years?

Over the last 2 years, Investors Title's total revenue changed from $283.39 million in 2022 to $258.30 million in 2024, a change of -8.9%.

How much debt does Investors Title have?

Investors Title's total liabilities were at $81.80 million at the end of 2024, a 3.5% increase from 2023, and a 17.2% decrease since 2022.

How much cash does Investors Title have?

In the past 2 years, Investors Title's cash and equivalents has ranged from $24.03 million in 2023 to $35.31 million in 2022, and is currently $24.65 million as of their latest financial filing in 2024.

How has Investors Title's book value per share changed over the last 2 years?

Over the last 2 years, Investors Title's book value per share changed from 127.05 in 2022 to 133.63 in 2024, a change of 5.2%.


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This page (NASDAQ:ITIC) was last updated on 8/29/2025 by MarketBeat.com Staff
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