INVESTORS TITLE CO (ITIC) Stock Fundamental Analysis

NASDAQ:ITIC • US4618041069

217.8 USD
+0.72 (+0.33%)
At close: Feb 20, 2026
217.8 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, ITIC scores 4 out of 10 in our fundamental rating. ITIC was compared to 149 industry peers in the Insurance industry. ITIC has an average financial health and profitability rating. ITIC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • ITIC had positive earnings in the past year.
  • ITIC had a positive operating cash flow in the past year.
  • ITIC had positive earnings in each of the past 5 years.
  • In the past 5 years ITIC always reported a positive cash flow from operatings.
ITIC Yearly Net Income VS EBIT VS OCF VS FCFITIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 9.92%, ITIC belongs to the top of the industry, outperforming 96.64% of the companies in the same industry.
  • The Return On Equity of ITIC (12.96%) is comparable to the rest of the industry.
  • ITIC has a better Return On Invested Capital (11.43%) than 94.63% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ITIC is below the industry average of 15.11%.
  • The 3 year average ROIC (10.86%) for ITIC is below the current ROIC(11.43%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.92%
ROE 12.96%
ROIC 11.43%
ROA(3y)7.64%
ROA(5y)11.41%
ROE(3y)10.29%
ROE(5y)15.96%
ROIC(3y)10.86%
ROIC(5y)13.58%
ITIC Yearly ROA, ROE, ROICITIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • ITIC has a better Profit Margin (13.15%) than 71.81% of its industry peers.
  • In the last couple of years the Profit Margin of ITIC has declined.
  • ITIC's Operating Margin of 16.71% is fine compared to the rest of the industry. ITIC outperforms 65.77% of its industry peers.
  • In the last couple of years the Operating Margin of ITIC has declined.
Industry RankSector Rank
OM 16.71%
PM (TTM) 13.15%
GM N/A
OM growth 3Y-11.73%
OM growth 5Y-2.12%
PM growth 3Y-17.34%
PM growth 5Y-7.94%
GM growth 3YN/A
GM growth 5YN/A
ITIC Yearly Profit, Operating, Gross MarginsITIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ITIC is creating some value.
  • The number of shares outstanding for ITIC has been reduced compared to 1 year ago.
  • Compared to 5 years ago, ITIC has less shares outstanding
  • The debt/assets ratio for ITIC is higher compared to a year ago.
ITIC Yearly Shares OutstandingITIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M
ITIC Yearly Total Debt VS Total AssetsITIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • The Debt to FCF ratio of ITIC is 0.01, which is an excellent value as it means it would take ITIC, only 0.01 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of ITIC (0.01) is better than 95.30% of its industry peers.
  • A Debt/Equity ratio of 0.00 indicates that ITIC is not too dependend on debt financing.
  • ITIC has a better Debt to Equity ratio (0.00) than 91.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACC1.31
WACC8.71%
ITIC Yearly LT Debt VS Equity VS FCFITIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ITIC Yearly Current Assets VS Current LiabilitesITIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • ITIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.79%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -0.20% on average over the past years.
  • ITIC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.44%.
  • ITIC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.33% yearly.
EPS 1Y (TTM)25.79%
EPS 3Y-22.49%
EPS 5Y-0.2%
EPS Q2Q%31.05%
Revenue 1Y (TTM)13.44%
Revenue growth 3Y-6.35%
Revenue growth 5Y8.33%
Sales Q2Q%6.09%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
ITIC Yearly Revenue VS EstimatesITIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • ITIC is valuated reasonably with a Price/Earnings ratio of 11.46.
  • Compared to the rest of the industry, the Price/Earnings ratio of ITIC is on the same level as its industry peers.
  • ITIC is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.46
Fwd PE N/A
ITIC Price Earnings VS Forward Price EarningsITIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ITIC indicates a somewhat cheap valuation: ITIC is cheaper than 65.77% of the companies listed in the same industry.
  • ITIC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.66
EV/EBITDA 7.73
ITIC Per share dataITIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • The decent profitability rating of ITIC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • ITIC has a yearly dividend return of 0.85%, which is pretty low.
  • ITIC's Dividend Yield is slightly below the industry average, which is at 2.65.
  • With a Dividend Yield of 0.85, ITIC pays less dividend than the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 0.85%

5.2 History

  • On average, the dividend of ITIC grows each year by 10.63%, which is quite nice.
  • ITIC has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of ITIC decreased in the last 3 years.
Dividend Growth(5Y)10.63%
Div Incr Years2
Div Non Decr Years2
ITIC Yearly Dividends per shareITIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

5.3 Sustainability

  • ITIC pays out 82.91% of its income as dividend. This is not a sustainable payout ratio.
  • ITIC's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP82.91%
EPS Next 2YN/A
EPS Next 3YN/A
ITIC Yearly Income VS Free CF VS DividendITIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
ITIC Dividend Payout.ITIC Dividend Payout, showing the Payout Ratio.ITIC Dividend Payout.PayoutRetained Earnings

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INVESTORS TITLE CO

NASDAQ:ITIC (2/20/2026, 8:00:01 PM)

After market: 217.8 0 (0%)

217.8

+0.72 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17
Earnings (Next)05-06
Inst Owners55.69%
Inst Owner Change0.33%
Ins Owners15.49%
Ins Owner Change0%
Market Cap411.64M
Revenue(TTM)273.87M
Net Income(TTM)36.02M
Analysts0
Price TargetN/A
Short Float %3.83%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield 0.85%
Yearly Dividend15.81
Dividend Growth(5Y)10.63%
DP82.91%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.46
Fwd PE N/A
P/S 1.5
P/FCF 12.66
P/OCF 10.81
P/B 1.48
P/tB 1.55
EV/EBITDA 7.73
EPS(TTM)19
EY8.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)17.2
FCFY7.9%
OCF(TTM)20.15
OCFY9.25%
SpS144.9
BVpS147.1
TBVpS140.71
PEG (NY)N/A
PEG (5Y)N/A
Graham Number250.77
Profitability
Industry RankSector Rank
ROA 9.92%
ROE 12.96%
ROCE 14.16%
ROIC 11.43%
ROICexc 12.29%
ROICexgc 13.37%
OM 16.71%
PM (TTM) 13.15%
GM N/A
FCFM 11.87%
ROA(3y)7.64%
ROA(5y)11.41%
ROE(3y)10.29%
ROE(5y)15.96%
ROIC(3y)10.86%
ROIC(5y)13.58%
ROICexc(3y)12.08%
ROICexc(5y)15.12%
ROICexgc(3y)13.69%
ROICexgc(5y)17.08%
ROCE(3y)13.45%
ROCE(5y)16.83%
ROICexgc growth 3Y-21%
ROICexgc growth 5Y0.52%
ROICexc growth 3Y-20.19%
ROICexc growth 5Y0.34%
OM growth 3Y-11.73%
OM growth 5Y-2.12%
PM growth 3Y-17.34%
PM growth 5Y-7.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.75
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA 0.01
Cap/Depr 126.16%
Cap/Sales 2.04%
Interest Coverage 250
Cash Conversion 75.92%
Profit Quality 90.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.71%
ROIC/WACC1.31
Cap/Depr(3y)182.2%
Cap/Depr(5y)191.38%
Cap/Sales(3y)2.94%
Cap/Sales(5y)2.46%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.79%
EPS 3Y-22.49%
EPS 5Y-0.2%
EPS Q2Q%31.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.44%
Revenue growth 3Y-6.35%
Revenue growth 5Y8.33%
Sales Q2Q%6.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y30.96%
EBIT growth 3Y-17.34%
EBIT growth 5Y6.03%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3680.47%
FCF growth 3Y-20.96%
FCF growth 5Y2.9%
OCF growth 1Y314.95%
OCF growth 3Y-16.86%
OCF growth 5Y7.36%

INVESTORS TITLE CO / ITIC FAQ

What is the ChartMill fundamental rating of INVESTORS TITLE CO (ITIC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ITIC.


What is the valuation status for ITIC stock?

ChartMill assigns a valuation rating of 3 / 10 to INVESTORS TITLE CO (ITIC). This can be considered as Overvalued.


What is the profitability of ITIC stock?

INVESTORS TITLE CO (ITIC) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for ITIC stock?

The Price/Earnings (PE) ratio for INVESTORS TITLE CO (ITIC) is 11.46 and the Price/Book (PB) ratio is 1.48.


How financially healthy is INVESTORS TITLE CO?

The financial health rating of INVESTORS TITLE CO (ITIC) is 4 / 10.