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Investors Title (ITIC) Financials

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$283.96 +10.36 (+3.79%)
Closing price 04:00 PM Eastern
Extended Trading
$283.74 -0.22 (-0.08%)
As of 07:11 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 13 20 26 22 31 39 67 24 22 31 35
Consolidated Net Income / (Loss)		 13 20 26 22 31 39 67 24 22 31 35
Net Income / (Loss) Continuing Operations		 13 20 26 22 31 39 67 24 22 31 35
Total Pre-Tax Income 		18 28 30 27 40 50 85 30 26 39 45
Total Revenue		 127 138 162 156 184 236 329 283 225 258 273
Net Interest Income / (Expense)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 127 138 162 156 184 236 329 283 225 258 273
Service Charges on Deposit Accounts		 - 5.65 6.13 7.08 9.92 8.69 9.67 14 19 17 22
Other Service Charges		 11 4.86 9.51 11 11 13 25 27 22 22 25
Net Realized & Unrealized Capital Gains on Investments		 -0.12 0.77 1.04 -4.24 12 5.24 17 -11 3.45 4.68 3.18
Premiums Earned		 112 123 141 138 146 205 274 249 171 204 213
Investment Banking Income		 4.53 4.68 4.45 4.62 4.75 4.39 3.77 4.70 9.06 11 9.97
Total Non-Interest Expense		 109 110 131 129 144 187 245 253 199 219 228
Salaries and Employee Benefits		 90 95 109 109 119 159 207 207 160 180 186
Net Occupancy & Equipment Expense		 5.89 6.45 8.17 8.81 9.25 9.95 13 17 17 18 17
Property & Liability Insurance Claims		 6.64 0.24 3.31 -0.33 3.53 5.20 5.69 4.26 4.76 4.53 4.61
Other Operating Expenses		 4.31 8.55 11 11 12 13 19 25 16 17 21
Income Tax Expense		 5.23 8.62 4.57 5.21 8.37 10 18 6.21 4.54 8.39 9.37
Basic Earnings per Share		 $6.32 $10.00 $13.63 $12.00 $16.66 $20.84 $35.38 $12.60 $11.45 $16.48 $18.64
Weighted Average Basic Shares Outstanding		 1.98M 1.91M 1.89M 1.89M 1.89M 1.89M 1.89M 1.90M 1.89M 1.89M 1.89M
Diluted Earnings per Share		 $6.30 $10.00 $13.56 $11.54 $16.59 $20.80 $35.28 $12.59 $11.45 $16.43 $18.57
Weighted Average Diluted Shares Outstanding		 1.99M 1.92M 1.90M 1.90M 1.90M 1.90M 1.90M 1.90M 1.89M 1.89M 1.90M
Weighted Average Basic & Diluted Shares Outstanding		 2M 1.90M 1.90M 1.89M 1.89M 1.89M 1.90M 1.90M 1.89M 1.89M 1.89M
Cash Dividends to Common per Share		 $0.40 $0.72 $3.75 $12.20 $9.60 $16.76 $19.82 $4.84 $5.84 $15.84 $10.56

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
Consolidated Net Income / (Loss)		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
Net Income / (Loss) Continuing Operations		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
Total Pre-Tax Income 		8.61 6.21 5.80 11 12 11 4.05 16 15 9.61 7.72
Total Revenue		 61 54 53 65 69 71 57 74 73 70 64
Net Interest Income / (Expense)		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Non-Interest Income		 61 54 53 65 69 71 57 74 73 70 64
Service Charges on Deposit Accounts		 4.64 4.72 4.30 4.30 4.31 4.28 4.61 5.48 6.26 5.26 4.37
Other Service Charges		 5.45 5.35 4.03 5.85 5.96 5.66 4.45 9.21 5.90 5.81 5.89
Net Realized & Unrealized Capital Gains on Investments		 -0.82 2.73 2.42 1.24 0.98 0.04 -1.18 2.10 2.06 0.20 0.52
Premiums Earned		 50 38 40 51 55 58 46 54 56 55 51
Investment Banking Income		 2.31 2.52 2.52 2.57 2.74 2.83 2.34 2.36 2.40 2.86 2.29
Total Non-Interest Expense		 53 47 48 54 57 60 53 58 58 60 56
Salaries and Employee Benefits		 43 38 38 45 47 50 43 47 48 49 46
Net Occupancy & Equipment Expense		 4.21 4.24 4.47 4.31 4.39 4.34 4.54 4.33 4.18 4.16 4.51
Property & Liability Insurance Claims		 1.84 0.87 0.91 0.91 1.67 1.05 0.32 2.08 1.21 1.00 0.47
Other Operating Expenses		 3.86 4.47 3.84 4.20 4.04 4.87 4.46 4.91 4.89 6.26 4.84
Income Tax Expense		 1.53 0.38 1.27 2.40 2.27 2.45 0.88 3.52 2.88 2.09 1.65
Basic Earnings per Share		 $3.75 $3.08 $2.40 $4.71 $4.94 $4.43 $1.68 $6.51 $6.47 $3.98 $3.21
Weighted Average Basic Shares Outstanding		 1.89M 1.89M 1.89M 1.88M 1.88M 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M
Diluted Earnings per Share		 $3.75 $3.08 $2.40 $4.70 $4.92 $4.41 $1.67 $6.48 $6.45 $3.97 $3.20
Weighted Average Diluted Shares Outstanding		 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M 1.90M 1.89M 1.89M 1.90M 1.89M
Weighted Average Basic & Diluted Shares Outstanding		 1.89M 1.89M 1.88M 1.88M 1.88M 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M
Cash Dividends to Common per Share		 $0.46 - $0.46 $0.46 $0.46 - $0.46 $0.46 $0.46 - $0.46

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 5.96 6.14 -7.71 -1.52 7.26 -12 23 -1.86 -11 0.62 -3.82
Net Cash From Operating Activities		 17 23 20 24 21 34 52 36 7.43 30 31
Net Cash From Continuing Operating Activities		 17 23 20 24 21 34 52 36 7.43 30 31
Net Income / (Loss) Continuing Operations		 13 20 26 22 31 39 67 24 22 31 35
Consolidated Net Income / (Loss)		 13 20 26 22 31 39 67 24 22 31 35
Depreciation Expense		 1.11 1.31 1.44 1.66 1.76 1.76 1.89 2.30 2.76 3.32 3.62
Amortization Expense		 0.74 0.99 1.71 1.33 1.22 1.38 1.54 1.55 -2.34 -2.25 -0.68
Non-Cash Adjustments to Reconcile Net Income		 0.35 -2.09 -7.69 -4.48 -12 -4.45 -17 5.10 -11 -5.78 -3.81
Changes in Operating Assets and Liabilities, net		 2.17 2.84 -1.27 4.03 -1.77 -4.02 -2.01 3.35 -3.97 3.48 -3.38
Net Cash From Investing Activities		 -4.70 -8.84 -20 -2.81 4.49 -15 9.07 -29 -6.70 1.75 -15
Net Cash From Continuing Investing Activities		 -4.70 -8.84 -20 -2.81 4.49 -15 9.07 -29 -6.70 1.75 -15
Purchase of Property, Leasehold Improvements and Equipment		 -2.74 -2.46 -2.88 -1.86 -1.49 -3.20 -6.53 -5.68 -9.19 -7.42 -5.56
Purchase of Investment Securities		 -29 -32 -52 -110 -134 -52 -45 -125 -210 -199 -184
Sale of Property, Leasehold Improvements and Equipment		 0.08 0.09 0.05 0.06 0.30 0.09 6.74 0.03 0.53 0.28 0.52
Sale and/or Maturity of Investments		 27 26 34 109 139 40 54 102 212 208 174
Net Cash From Financing Activities		 -6.25 -7.59 -7.32 -23 -18 -32 -38 -9.32 -12 -31 -20
Net Cash From Continuing Financing Activities		 -6.25 -7.59 -7.32 -23 -18 -32 -38 -9.32 -12 -31 -20
Repurchase of Common Equity		 -5.48 -6.22 -0.25 -0.03 -0.02 -0.01 0.00 -0.13 -0.96 -1.10 0.00
Payment of Dividends		 -0.82 -1.37 -7.07 -23 -18 -32 -38 -9.18 -11 -30 -20
Cash Income Taxes Paid		 4.66 5.07 12 5.46 9.73 10 10 15 8.69 6.62 8.41

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 4.23 -6.38 -2.42 5.07 -1.22 -0.81 2.95 2.08 -6.92 -1.92 5.87
Net Cash From Operating Activities		 0.70 14 1.44 8.43 7.82 12 -0.08 8.86 17 5.00 1.62
Net Cash From Continuing Operating Activities		 0.70 14 1.44 8.43 7.82 12 -0.08 8.86 17 5.00 1.62
Net Income / (Loss) Continuing Operations		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
Consolidated Net Income / (Loss)		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
Depreciation Expense		 0.70 0.76 0.79 0.91 0.79 0.83 0.95 0.93 0.87 0.87 0.87
Amortization Expense		 -0.63 -0.66 -0.89 -0.66 -0.62 -0.08 -0.15 -0.16 -0.25 -0.11 -0.13
Non-Cash Adjustments to Reconcile Net Income		 -0.02 -4.07 -2.25 -1.85 -1.95 0.26 -0.38 -3.31 0.15 -0.26 -0.95
Changes in Operating Assets and Liabilities, net		 -6.43 12 -0.73 1.16 0.28 2.78 -3.66 -0.87 4.17 -3.02 -4.24
Net Cash From Investing Activities		 4.40 -12 -1.94 -2.45 -8.18 14 3.89 -5.91 -23 10 5.11
Net Cash From Continuing Investing Activities		 4.40 -12 -1.94 -2.45 -8.18 14 3.89 -5.91 -23 10 5.11
Purchase of Property, Leasehold Improvements and Equipment		 -1.60 -2.57 -2.23 -2.11 -1.73 -1.35 -1.33 -1.56 -1.35 -1.32 -1.06
Purchase of Investment Securities		 -43 -67 -41 -74 -42 -41 -24 -50 -68 -42 -26
Sale of Property, Leasehold Improvements and Equipment		 0.06 0.12 0.02 0.01 0.22 0.03 0.00 0.46 0.01 0.05 0.01
Sale and/or Maturity of Investments		 49 58 41 74 36 57 29 45 46 54 32
Net Cash From Financing Activities		 -0.87 -8.43 -1.92 -0.91 -0.87 -27 -0.87 -0.87 -0.87 -17 -0.87
Net Cash From Continuing Financing Activities		 -0.87 -8.43 -1.92 -0.91 -0.87 -27 -0.87 -0.87 -0.87 -17 -0.87
Payment of Dividends		 -0.87 -8.43 -0.87 -0.87 -0.87 -27 -0.87 -0.87 -0.87 -17 -0.87
Cash Income Taxes Paid		 3.24 1.72 0.00 3.15 2.50 0.98 0.00 6.30 0.07 2.04 0.00

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 212 229 249 244 264 283 331 340 331 334 363
Cash and Due from Banks		 22 28 20 19 26 14 37 35 24 25 21
Trading Account Securities		 144 143 151 137 166 183 157 106 101 153 160
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 1.00 1.04 1.10 0.95 1.03 1.04 0.82 0.87 0.98 1.47 1.48
Premises and Equipment, Net		 7.15 8.75 10 10 9.78 11 13 18 24 28 29
Unearned Premiums Asset		 8.39 8.65 10 12 13 19 23 19 13 16 17
Intangible Assets		 1.22 12 11 11 10 9.77 16 18 16 15 21
Other Assets		 28 27 45 54 39 45 85 143 151 96 114
Total Liabilities & Shareholders' Equity		 212 229 249 244 264 283 331 340 331 334 363
Total Liabilities		 69 74 71 69 73 83 102 99 79 82 95
Other Short-Term Payables		 25 26 28 28 28 36 44 47 32 34 42
Claims and Claim Expense		 38 35 35 32 31 34 37 37 37 37 38
Other Long-Term Liabilities		 5.91 12 8.63 9.17 13 13 22 15 10.00 11 15
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 143 155 178 176 191 200 229 241 252 252 268
Total Preferred & Common Equity		 143 155 178 176 191 200 229 241 252 252 268
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 143 155 178 176 191 200 229 241 252 252 268
Common Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Retained Earnings		 131 143 162 175 188 196 226 241 251 251 267
Accumulated Other Comprehensive Income / (Loss)		 11 12 16 0.95 3.10 4.33 3.23 0.20 0.64 0.36 1.09

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 333 324 330 332 329 340 352 334 346 363 362
Cash and Due from Banks		 41 30 26 30 22 27 25 28 30 23 27
Trading Account Securities		 108 95 93 96 99 130 141 153 153 151 164
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 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 1.58 1.61 1.47 1.61
Premises and Equipment, Net		 17 19 21 22 25 27 27 28 28 29 30
Unearned Premiums Asset		 23 17 17 17 13 13 14 16 17 17 17
Intangible Assets		 18 17 17 17 16 16 15 15 11 10 21
Other Assets		 125 145 155 148 153 126 127 93 105 132 102
Total Liabilities & Shareholders' Equity		 333 324 330 332 329 340 352 334 346 363 362
Total Liabilities		 94 82 83 79 76 79 81 79 80 85 89
Other Short-Term Payables		 42 31 34 31 28 31 34 29 30 33 35
Claims and Claim Expense		 38 37 37 37 37 37 37 37 38 38 38
Other Long-Term Liabilities		 14 14 12 11 10 9.84 9.71 14 12 14 16
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 239 242 247 253 254 262 271 254 266 278 273
Total Preferred & Common Equity		 239 242 247 253 254 262 271 254 266 278 273
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 239 242 247 253 254 262 271 254 266 278 273
Common Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Retained Earnings		 240 241 247 253 254 262 270 254 265 277 273
Accumulated Other Comprehensive Income / (Loss)		 -0.75 0.56 0.16 -0.76 0.35 0.17 1.09 0.59 0.82 1.14 0.36

Annual Metrics And Ratios for Investors Title

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 1,953,217.00 1,884,283.00 1,887,026.00 1,886,630.00 1,888,672.00 1,892,411.00 1,894,122.00 - - - 1,887,574.00
DEI Adjusted Shares Outstanding		 1,953,217.00 1,884,283.00 1,887,026.00 1,886,630.00 1,888,672.00 1,892,411.00 1,894,122.00 - - - 1,887,574.00
DEI Earnings Per Adjusted Shares Outstanding		 6.42 10.36 13.62 11.59 16.66 20.83 35.38 - - - 18.64
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 3.31% 8.87% 16.71% -3.32% 17.43% 28.83% 39.38% -13.99% -20.69% 14.93% 5.60%
EBITDA Growth		 31.19% 55.11% 9.82% -10.08% 42.42% 23.36% 67.37% -61.57% -21.51% 52.09% 17.17%
EBIT Growth		 31.79% 58.24% 7.61% -10.58% 47.12% 24.70% 71.02% -64.55% -12.88% 50.45% 12.89%
NOPAT Growth		 29.74% 55.51% 31.70% -14.95% 43.91% 25.31% 70.02% -64.33% -9.28% 43.29% 13.22%
Net Income Growth		 29.74% 55.51% 31.70% -14.95% 43.91% 25.31% 70.02% -64.33% -9.28% 43.29% 13.22%
EPS Growth		 32.91% 58.73% 35.60% -14.90% 43.76% 25.38% 69.62% -64.31% -9.05% 43.49% 13.03%
Operating Cash Flow Growth		 74.69% 33.40% -11.85% 22.59% -14.23% 63.01% 52.31% -30.28% -79.49% 301.83% 3.68%
Free Cash Flow Firm Growth		 923.91% -2.45% -59.25% 727.89% -34.82% 92.95% 26.33% -68.77% -6.97% 176.86% -39.54%
Invested Capital Growth		 3.79% 8.66% 14.69% -1.28% 8.95% 4.73% 14.30% 5.21% 4.37% 0.09% 6.56%
Revenue Q/Q Growth		 -2.35% 7.72% 1.11% -5.04% 12.64% 11.52% 4.35% -8.27% -4.99% 7.02% -0.41%
EBITDA Q/Q Growth		 -2.26% 17.26% -2.73% -17.14% 49.80% 15.23% 2.89% -30.11% -12.76% 14.88% -2.46%
EBIT Q/Q Growth		 -3.63% 18.75% -3.42% -18.36% 54.82% 16.48% 2.78% -32.68% -10.45% 13.19% -2.63%
NOPAT Q/Q Growth		 -3.74% 17.06% 21.70% -30.30% 55.65% 15.38% 3.52% -32.27% -7.23% 8.85% -2.35%
Net Income Q/Q Growth		 -3.74% 17.06% 21.70% -30.30% 55.65% 15.38% 3.52% -32.27% -7.23% 8.85% -2.35%
EPS Q/Q Growth		 -3.37% 15.21% 24.29% -30.27% 55.63% 15.49% 3.37% -32.17% -7.21% 8.81% -2.31%
Operating Cash Flow Q/Q Growth		 -0.17% 15.14% -25.32% 49.19% 9.96% 3.62% 8.54% -0.93% -19.09% -6.28% -18.78%
Free Cash Flow Firm Q/Q Growth		 -12.46% 84.58% 164.15% 203.65% -20.78% 77.25% 18.51% -71.17% 14.31% 211.58% -36.39%
Invested Capital Q/Q Growth		 2.48% 1.98% 3.36% -10.18% -2.31% -5.87% -6.61% 0.82% -0.44% -7.20% -3.49%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 15.42% 21.97% 20.68% 19.23% 23.32% 22.33% 26.82% 11.98% 11.86% 15.69% 17.41%
EBIT Margin		 13.98% 20.31% 18.73% 17.32% 21.70% 21.01% 25.78% 10.62% 11.67% 15.28% 16.33%
Profit (Net Income) Margin		 9.87% 14.09% 15.90% 13.99% 17.14% 16.67% 20.34% 8.43% 9.65% 12.03% 12.90%
Tax Burden Percent		 70.59% 69.37% 84.90% 80.75% 78.99% 79.38% 78.91% 79.39% 82.68% 78.74% 78.97%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.41% 30.63% 15.10% 19.25% 21.01% 20.62% 21.09% 20.61% 17.32% 21.26% 21.03%
Return on Invested Capital (ROIC)		 8.95% 13.10% 15.43% 12.37% 17.14% 20.12% 31.21% 10.17% 8.81% 12.35% 13.53%
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% 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% 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% 0.00%
Cash Return on Invested Capital (CROIC)		 5.23% 4.80% 1.75% 13.66% 8.57% 15.50% 17.86% 5.10% 4.52% 12.26% 7.17%
Operating Return on Assets (OROA)		 8.68% 12.77% 12.67% 10.98% 15.67% 18.16% 27.65% 8.97% 7.83% 11.88% 12.79%
Return on Assets (ROA)		 6.13% 8.86% 10.76% 8.86% 12.38% 14.42% 21.82% 7.12% 6.47% 9.36% 10.10%
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% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 8.80% 12.59% 14.45% 12.45% 16.44% 19.67% 29.26% 9.92% 8.62% 12.34% 13.11%
Net Operating Profit after Tax (NOPAT)		 13 20 26 22 31 39 67 24 22 31 35
NOPAT Margin		 9.87% 14.09% 15.90% 13.99% 17.14% 16.67% 20.34% 8.43% 9.65% 12.03% 12.90%
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% 0.00%
SG&A Expenses to Revenue		 77.42% 73.34% 72.24% 75.61% 69.80% 71.35% 66.79% 79.12% 78.95% 76.41% 74.46%
Operating Expenses to Revenue		 86.02% 79.69% 81.27% 82.68% 78.30% 78.99% 74.22% 89.38% 88.33% 84.72% 83.67%
Earnings before Interest and Taxes (EBIT)		 18 28 30 27 40 50 85 30 26 39 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 30 33 30 43 53 88 34 27 41 47
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 1.28 1.43 1.38 1.21 1.22 1.51 1.11 1.15 1.77 1.75
Price to Tangible Book Value (P/TBV)		 0.92 1.39 1.53 1.47 1.28 1.29 1.62 1.20 1.23 1.88 1.90
Price to Revenue (P/Rev)		 1.02 1.44 1.58 1.55 1.26 1.04 1.05 0.94 1.29 1.73 1.72
Price to Earnings (P/E)		 10.33 10.19 9.91 11.05 7.36 6.22 5.17 11.20 13.32 14.36 13.37
Dividend Yield		 0.60% 0.68% 1.00% 9.20% 1.30% 1.36% 1.00% 1.30% 1.20% 6.69% 4.24%
Earnings Yield		 9.68% 9.81% 10.09% 9.05% 13.58% 16.07% 19.36% 8.93% 7.51% 6.97% 7.48%
Enterprise Value to Invested Capital (EV/IC)		 0.75 1.10 1.32 1.27 1.07 1.16 1.35 0.96 1.05 1.67 1.67
Enterprise Value to Revenue (EV/Rev)		 0.85 1.24 1.45 1.43 1.12 0.98 0.94 0.82 1.18 1.63 1.65
Enterprise Value to EBITDA (EV/EBITDA)		 5.49 5.62 7.02 7.43 4.81 4.39 3.50 6.84 9.94 10.40 9.46
Enterprise Value to EBIT (EV/EBIT)		 6.06 6.08 7.75 8.25 5.16 4.66 3.64 7.72 10.10 10.68 10.09
Enterprise Value to NOPAT (EV/NOPAT)		 8.59 8.77 9.13 10.22 6.54 5.88 4.61 9.72 12.21 13.56 12.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.37 7.58 11.80 9.16 9.83 6.79 5.95 6.42 35.66 14.12 14.52
Enterprise Value to Free Cash Flow (EV/FCFF)		 14.69 23.91 80.47 9.25 13.07 7.63 8.06 19.40 23.77 13.66 24.09
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 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 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 1.46 1.48 1.43 1.39 1.38 1.40 1.43 1.43 1.36 1.32 1.34
Compound Leverage Factor		 1.46 1.48 1.43 1.39 1.38 1.40 1.43 1.43 1.36 1.32 1.34
Debt to Total Capital		 0.00% 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% 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% 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% 0.00%
Noncontrolling Interests to Total Capital		 0.08% 0.06% 0.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 99.92% 99.94% 99.95% 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 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 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 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 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 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 0.00
Noncontrolling Interest Sharing Ratio		 0.04% 0.07% 0.05% 0.02% 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)		 7.34 7.16 2.92 24 16 30 38 12 11 31 19
Operating Cash Flow to CapEx		 634.16% 954.21% 702.19% 1,354.78% 1,765.06% 1,093.84% 0.00% 640.21% 85.78% 417.46% 613.75%
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 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 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 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.62 0.63 0.68 0.63 0.72 0.86 1.07 0.84 0.67 0.78 0.78
Fixed Asset Turnover		 20.17 17.42 17.08 15.26 18.28 22.58 27.24 18.39 10.79 9.97 9.51
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 143 155 178 176 191 200 229 241 252 252 268
Invested Capital Turnover		 0.91 0.93 0.97 0.88 1.00 1.21 1.53 1.21 0.91 1.03 1.05
Increase / (Decrease) in Invested Capital		 5.21 12 23 -2.28 16 9.06 29 12 11 0.22 17
Enterprise Value (EV)		 108 171 235 223 206 232 309 232 265 421 449
Market Capitalization		 129 199 255 242 232 245 346 268 289 446 470
Book Value per Share		 $73.04 $82.28 $94.24 $93.10 $101.32 $105.91 $120.95 $127.05 $133.05 $133.63 $142.14
Tangible Book Value per Share		 $72.42 $75.78 $88.22 $87.38 $95.88 $100.75 $112.53 $117.77 $124.46 $125.63 $131.05
Total Capital		 143 155 178 176 191 200 229 241 252 252 268
Total Debt		 0.00 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 0.00
Net Debt		 -22 -28 -20 -19 -26 -14 -37 -35 -24 -25 -21
Capital Expenditures (CapEx)		 2.67 2.37 2.83 1.80 1.19 3.12 -0.21 5.66 8.66 7.15 5.04
Net Nonoperating Expense (NNE)		 0.00 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 0.00
Total Depreciation and Amortization (D&A)		 1.84 2.30 3.15 2.98 2.98 3.14 3.43 3.85 0.42 1.07 2.95
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $6.32 $10.23 $13.63 $11.60 $16.66 $20.84 $35.38 $12.60 $11.45 $16.48 $18.64
Adjusted Weighted Average Basic Shares Outstanding		 1.98M 1.91M 1.89M 1.89M 1.89M 1.89M 1.89M 1.90M 1.89M 1.89M 1.89M
Adjusted Diluted Earnings per Share		 $6.30 $10.19 $13.56 $12.00 $17.00 $20.80 $35.28 $12.59 $11.45 $16.43 $18.57
Adjusted Weighted Average Diluted Shares Outstanding		 1.99M 1.92M 1.90M 1.90M 1.90M 1.90M 1.90M 1.90M 1.89M 1.89M 1.90M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $16.66 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.94M 1.88M 1.89M 1.89M 1.89M 1.89M 1.90M 1.90M 1.89M 1.89M 1.89M
Normalized Net Operating Profit after Tax (NOPAT)		 13 20 26 22 31 39 67 24 22 31 35
Normalized NOPAT Margin		 9.87% 14.09% 15.90% 13.99% 17.14% 16.67% 20.34% 8.43% 9.65% 12.03% 12.90%
Pre Tax Income Margin		 13.98% 20.31% 18.73% 17.32% 21.70% 21.01% 25.78% 10.62% 11.67% 15.28% 16.33%
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 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 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 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 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 6.57% 7.02% 27.52% 105.30% 57.64% 80.46% 56.03% 38.41% 50.95% 96.11% 56.66%
Augmented Payout Ratio		 50.27% 38.89% 28.48% 105.43% 57.70% 80.47% 56.03% 38.97% 55.37% 99.65% 56.66%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 1,885,978.00 1,886,268.00 1,887,574.00 1,887,574.00 1,887,574.00
DEI Adjusted Shares Outstanding		 - - - - - - 1,885,978.00 1,886,268.00 1,887,574.00 1,887,574.00 1,887,574.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.68 6.51 6.47 3.98 3.21
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -21.27% -18.03% 4.12% 12.12% 12.08% 31.56% 5.81% 12.64% 6.09% -1.57% 13.17%
EBITDA Growth		 -20.66% -38.17% 241.39% 15.19% 35.61% 83.21% -14.73% 43.82% 33.57% -10.36% 74.26%
EBIT Growth		 -14.65% -33.01% 271.36% 14.43% 34.59% 74.01% -30.08% 40.21% 30.23% -11.14% 90.35%
NOPAT Growth		 -10.48% -22.46% 283.15% 16.95% 31.49% 43.28% -29.92% 38.41% 31.12% -10.11% 91.33%
Net Income Growth		 -10.48% -22.46% 283.15% 16.95% 31.49% 43.28% -29.92% 38.41% 31.12% -10.11% 91.33%
EPS Growth		 -10.07% -22.42% 287.10% 17.50% 31.20% 43.18% -30.42% 37.87% 31.10% -9.98% 91.62%
Operating Cash Flow Growth		 -94.15% -11.02% 110.98% 48.81% 1,014.10% -14.14% -105.22% 5.06% 119.38% -58.88% 2,265.33%
Free Cash Flow Firm Growth		 -146.15% -7.00% 6.93% 12.28% -42.60% 273.01% 135.81% 239.09% 159.11% -210.66% -556.12%
Invested Capital Growth		 5.70% 4.37% 5.01% 5.89% 7.38% 0.09% 0.18% 1.67% 2.47% 6.56% 7.26%
Revenue Q/Q Growth		 5.31% -12.58% -0.42% 22.30% 5.27% 2.61% -19.91% 30.20% -0.85% -4.80% -7.92%
EBITDA Q/Q Growth		 -13.26% -27.23% -9.84% 102.41% 2.12% -1.69% -58.03% 241.38% -5.16% -34.02% -18.42%
EBIT Q/Q Growth		 -12.55% -27.84% -6.70% 94.36% 2.85% -6.71% -62.51% 289.79% -4.48% -36.34% -19.69%
NOPAT Q/Q Growth		 -6.61% -17.62% -22.46% 96.04% 5.01% -10.23% -62.08% 287.20% -0.52% -38.46% -19.29%
Net Income Q/Q Growth		 -6.61% -17.62% -22.46% 96.04% 5.01% -10.23% -62.08% 287.20% -0.52% -38.46% -19.29%
EPS Q/Q Growth		 -6.25% -17.87% -22.08% 95.83% 4.68% -10.37% -62.13% 288.02% -0.46% -38.45% -19.40%
Operating Cash Flow Q/Q Growth		 -87.61% 1,915.53% -89.84% 486.85% -7.26% 55.34% -100.62% 11,913.33% 93.66% -70.88% -67.49%
Free Cash Flow Firm Q/Q Growth		 -0.83% 28.08% -61.47% 25.10% -63.91% 187.27% -66.58% 190.96% -30.34% -263.37% -37.75%
Invested Capital Q/Q Growth		 2.19% -0.44% 0.96% 3.09% 3.63% -7.20% 1.05% 4.62% 4.45% -3.49% 1.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 14.12% 11.76% 10.65% 17.62% 17.09% 16.37% 8.58% 22.49% 21.52% 14.91% 13.21%
EBIT Margin		 14.02% 11.57% 10.84% 17.23% 16.84% 15.31% 7.17% 21.45% 20.67% 13.82% 12.05%
Profit (Net Income) Margin		 11.54% 10.87% 8.46% 13.57% 13.53% 11.84% 5.61% 16.67% 16.73% 10.81% 9.48%
Tax Burden Percent		 82.28% 93.93% 78.06% 78.73% 80.38% 77.35% 78.24% 77.72% 80.94% 78.25% 78.64%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.72% 6.07% 21.94% 21.27% 19.62% 22.65% 21.76% 22.28% 19.06% 21.76% 21.36%
Return on Invested Capital (ROIC)		 11.10% 9.92% 7.75% 12.47% 12.47% 12.15% 5.77% 17.03% 16.68% 11.34% 10.07%
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% 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% 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% 0.00%
Cash Return on Invested Capital (CROIC)		 3.97% 4.52% 5.21% 4.62% 3.78% 12.26% 11.51% 10.90% 10.68% 7.17% 7.43%
Operating Return on Assets (OROA)		 9.98% 7.76% 7.53% 12.02% 11.88% 11.91% 5.65% 16.86% 15.82% 10.82% 9.71%
Return on Assets (ROA)		 8.21% 7.29% 5.88% 9.46% 9.55% 9.21% 4.42% 13.10% 12.81% 8.47% 7.64%
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% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 9.25% 0.00% 9.86% 10.05% 10.52% 0.00% 11.68% 12.45% 12.96% 0.00% 13.95%
Net Operating Profit after Tax (NOPAT)		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
NOPAT Margin		 11.54% 10.87% 8.46% 13.57% 13.53% 11.84% 5.61% 16.67% 16.73% 10.81% 9.48%
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% 0.00%
SG&A Expenses to Revenue		 76.69% 78.48% 80.28% 74.96% 74.87% 76.31% 84.38% 69.06% 70.98% 75.75% 79.65%
Operating Expenses to Revenue		 85.98% 88.43% 89.16% 82.77% 83.16% 84.69% 92.83% 78.55% 79.33% 86.18% 87.95%
Earnings before Interest and Taxes (EBIT)		 8.61 6.21 5.80 11 12 11 4.05 16 15 9.61 7.72
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.67 6.31 5.69 12 12 12 4.85 17 16 10 8.46
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 1.15 1.21 1.30 1.60 1.77 1.72 1.50 1.82 1.75 1.50
Price to Tangible Book Value (P/TBV)		 1.14 1.23 1.29 1.38 1.69 1.88 1.82 1.56 1.89 1.90 1.63
Price to Revenue (P/Rev)		 1.14 1.29 1.36 1.45 1.79 1.73 1.67 1.48 1.85 1.72 1.46
Price to Earnings (P/E)		 11.54 13.32 12.29 12.89 15.17 14.36 14.70 12.03 14.03 13.37 10.77
Dividend Yield		 1.29% 1.20% 1.13% 1.02% 0.80% 6.69% 6.84% 7.50% 5.91% 4.24% 4.86%
Earnings Yield		 8.66% 7.51% 8.13% 7.76% 6.59% 6.97% 6.80% 8.31% 7.13% 7.48% 9.28%
Enterprise Value to Invested Capital (EV/IC)		 0.95 1.05 1.13 1.19 1.50 1.67 1.61 1.39 1.74 1.67 1.41
Enterprise Value to Revenue (EV/Rev)		 1.01 1.18 1.26 1.34 1.69 1.63 1.57 1.37 1.76 1.65 1.37
Enterprise Value to EBITDA (EV/EBITDA)		 7.84 9.94 9.33 9.71 11.55 10.40 10.31 8.24 9.91 9.46 7.51
Enterprise Value to EBIT (EV/EBIT)		 8.17 10.10 9.39 9.81 11.69 10.68 10.85 8.73 10.55 10.09 7.96
Enterprise Value to NOPAT (EV/NOPAT)		 10.24 12.21 11.43 11.88 14.27 13.56 13.77 11.14 13.40 12.77 10.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 26.08 35.66 13.03 12.65 12.80 14.12 14.45 12.83 12.67 14.52 11.75
Enterprise Value to Free Cash Flow (EV/FCFF)		 24.56 23.77 22.17 26.60 41.15 13.66 13.99 12.82 16.46 24.09 19.57
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 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 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 1.35 1.36 1.32 1.32 1.31 1.32 1.30 1.30 1.30 1.34 1.32
Compound Leverage Factor		 1.35 1.36 1.32 1.32 1.31 1.32 1.30 1.30 1.30 1.34 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% 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% 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% 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% 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% 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% 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 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 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 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 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 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 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -6.54 -4.71 -7.60 -5.69 -9.33 8.14 2.72 7.92 5.52 -9.01 -12
Operating Cash Flow to CapEx		 45.35% 579.17% 64.93% 401.38% 516.58% 920.38% -5.63% 811.36% 1,281.40% 390.62% 155.41%
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 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 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 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.71 0.67 0.69 0.70 0.71 0.78 0.79 0.79 0.77 0.78 0.81
Fixed Asset Turnover		 12.22 10.79 10.20 9.81 9.74 9.97 9.75 9.81 9.71 9.51 9.68
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 253 252 254 262 271 252 254 266 278 268 273
Invested Capital Turnover		 0.96 0.91 0.92 0.92 0.92 1.03 1.03 1.02 1.00 1.05 1.06
Increase / (Decrease) in Invested Capital		 14 11 12 15 19 0.22 0.45 4.36 6.70 17 18
Enterprise Value (EV)		 239 265 286 313 407 421 409 369 483 449 384
Market Capitalization		 270 289 308 339 433 446 437 399 506 470 410
Book Value per Share		 $133.64 $133.05 $134.33 $138.98 $144.02 $133.63 $134.90 $141.11 $147.29 $142.14 $144.57
Tangible Book Value per Share		 $124.87 $124.46 $125.91 $130.68 $135.87 $125.63 $127.05 $135.48 $141.74 $131.05 $133.51
Total Capital		 253 252 254 262 271 252 254 266 278 268 273
Total Debt		 0.00 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 0.00
Net Debt		 -30 -24 -22 -27 -25 -25 -28 -30 -23 -21 -27
Capital Expenditures (CapEx)		 1.55 2.44 2.21 2.10 1.51 1.32 1.33 1.09 1.34 1.28 1.05
Net Nonoperating Expense (NNE)		 0.00 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 0.00
Total Depreciation and Amortization (D&A)		 0.06 0.10 -0.11 0.25 0.18 0.75 0.80 0.77 0.62 0.76 0.74
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.75 $3.08 $2.40 $4.71 $4.94 $4.43 $1.68 $6.51 $6.47 $3.98 $3.21
Adjusted Weighted Average Basic Shares Outstanding		 1.89M 1.89M 1.89M 1.88M 1.88M 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M
Adjusted Diluted Earnings per Share		 $3.75 $3.08 $2.40 $4.70 $4.92 $4.41 $1.67 $6.48 $6.45 $3.97 $3.20
Adjusted Weighted Average Diluted Shares Outstanding		 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M 1.90M 1.89M 1.89M 1.90M 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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.89M 1.89M 1.88M 1.88M 1.88M 1.89M 1.89M 1.89M 1.89M 1.89M 1.89M
Normalized Net Operating Profit after Tax (NOPAT)		 7.08 5.84 4.53 8.87 9.32 8.36 3.17 12 12 7.52 6.07
Normalized NOPAT Margin		 11.54% 10.87% 8.46% 13.57% 13.53% 11.84% 5.61% 16.67% 16.73% 10.81% 9.48%
Pre Tax Income Margin		 14.02% 11.57% 10.84% 17.23% 16.84% 15.31% 7.17% 21.45% 20.67% 13.82% 12.05%
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 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 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 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 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.27% 50.95% 44.12% 41.93% 38.65% 96.11% 100.49% 90.16% 82.91% 56.66% 52.35%
Augmented Payout Ratio		 43.57% 55.37% 52.15% 46.11% 42.49% 99.65% 100.49% 90.17% 82.91% 56.66% 52.35%

Financials Breakdown Chart

Key Financial Trends

Investors Title (NASDAQ: ITIC) delivered a solid start to 2026, but the latest quarter also shows some signs of margin pressure and a weaker operating cash conversion profile than a year ago.

For Q1 2026, the company reported revenue of $64.0 million, down from $69.5 million in Q4 2025 and $73.0 million in Q3 2025. Net income came in at $6.1 million, or $3.21 per share, compared with $7.5 million and $3.98 per share in the prior quarter. That said, results improved sharply from Q1 2025, when net income was only $3.2 million and EPS was $1.68.

The business continues to benefit from a healthy balance sheet. As of March 31, 2026, Investors Title held $361.5 million in assets, $272.9 million in equity, and only $88.7 million in liabilities. Cash increased to $26.7 million from $23.8 million at the end of Q3 2025, while retained earnings remained strong at $272.5 million.

Operating cash flow was positive in Q1 2026 at $1.6 million, but it was much lower than the $5.0 million generated in Q4 2025 and $17.2 million in Q3 2025. The company also used $25.7 million for investment securities purchases, which is typical for its investment-heavy model but can create quarter-to-quarter volatility in cash flow.

Over the longer term, ITIC still looks fundamentally resilient, with consistent profitability and a large investment portfolio supporting earnings. However, quarterly results can swing meaningfully depending on capital gains, insurance claims, and investment activity.

  • Strong profitability remains intact: Q1 2026 net income of $6.1 million and EPS of $3.21 were solid, and results were well above Q1 2025.
  • Balance sheet remains conservative: Equity of $272.9 million far exceeds liabilities of $88.7 million, leaving the company well capitalized.
  • Cash rose quarter over quarter: Cash and due from banks increased to $26.7 million from $22.8 million in Q3 2025.
  • Book value continued to build: Retained earnings climbed to $272.5 million, supporting long-term shareholder value.
  • Revenue improved sharply versus early 2025: Q1 2026 revenue of $64.0 million was materially higher than Q1 2025 revenue of $56.6 million.
  • Non-interest income drives the business: The company still has no net interest income, so earnings depend heavily on premiums earned, service charges, and investment results.
  • Investment gains were modest: Q1 2026 capital gains were only $0.5 million, down from $0.2 million in Q4 2025 and $2.1 million in Q2 2025.
  • Operating cash flow was positive but weaker: Cash from operations fell to $1.6 million, well below the recent quarter’s level.
  • Revenue declined sequentially: Q1 2026 revenue dropped from $69.5 million in Q4 2025 and $73.0 million in Q3 2025.
  • Claims expense remains a swing factor: Property and liability insurance claims were $0.5 million in Q1 2026, but prior quarters showed larger spikes that can pressure margins.

Overall, Investors Title appears financially stable and still profitable, but the latest quarter suggests slower top-line momentum and softer cash generation than the stronger quarters seen in 2025. For retail investors, the main thing to watch is whether premiums earned and service income can keep offsetting volatility in investment results and claims expense.

07/16/26 07:52 PM ETAI Generated. May Contain Errors.

Investors Title Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Investors Title's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Investors Title's net income appears to be on an upward trend, with a most recent value of $35.18 million in 2025, rising from $12.55 million in 2015. The previous period was $31.07 million in 2024. Check out Investors Title's forecast to explore projected trends and price targets.

Over the last 10 years, Investors Title's total revenue changed from $127.20 million in 2015 to $272.76 million in 2025, a change of 114.4%.

Investors Title's total liabilities were at $94.84 million at the end of 2025, a 15.9% increase from 2024, and a 38.0% increase since 2015.

In the past 10 years, Investors Title's cash and equivalents has ranged from $13.72 million in 2020 to $37.17 million in 2021, and is currently $20.84 million as of their latest financial filing in 2025.

Over the last 10 years, Investors Title's book value per share changed from 73.04 in 2015 to 142.14 in 2025, a change of 94.6%.


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Financial statements for NASDAQ:ITIC last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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