STOCK TITAN

Investors Title Co Nc Financials

ITIC
Trailing 12 months to June 30, 2026
Revenue $293.1M +8.7% YoY
Net Income $40.4M +22.1% YoY
EPS (Diluted) $21.36 +22.2% YoY
Free Cash Flow $26.3M +15.5% YoY
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Investors Title Co Nc (ITIC) reported $293.1M in revenue over the twelve months to Jun 30, 2026, up 8.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ITIC FY2025

A low-leverage balance sheet and variable cash payouts show a business that distributes surplus cash rather than stockpiling it.

From FY2023 to FY2025, cash conversion snapped back as free cash flow moved from -$1.8M to $25.4M. Because net margin also rose to 12.9% while SG&A ended slightly below its FY2023 dollar level, the recovery looks like better cost absorption and discipline, not a leverage-driven lift.

The balance sheet still looks deliberately unaggressive: liabilities remain well below equity, so the gap between return on assets at 9.7% and return on equity at 13.1% is modest. That tells you shareholder returns are being earned mostly through the underlying business rather than through heavy borrowing, leaving results more tied to operations than financing.

Payouts behave like a release valve for excess cash, not a fixed commitment. Dividends paid fell from $29.9M in FY2024 to $19.9M in FY2025 even as earnings improved, which suggests management adjusts distributions to current cash capacity while still funding reinvestment.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

Investors Title Co Nc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial
3/6

Investors Title Co Nc passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed
0.88x

For every $1 of reported earnings, Investors Title Co Nc generates $0.88 in operating cash flow ($30.9M OCF vs $35.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue
$272.8M
YoY+5.6%
5Y CAGR+2.9%
10Y CAGR+7.9%

Investors Title Co Nc generated $272.8M in revenue in fiscal year 2025. This represents an increase of 5.6% from the prior year.

Net Income
$35.2M
YoY+13.2%
5Y CAGR-2.3%
10Y CAGR+10.9%

Investors Title Co Nc reported $35.2M in net income in fiscal year 2025. This represents an increase of 13.2% from the prior year.

EPS (Diluted)
$18.57
YoY+13.0%
5Y CAGR-2.2%
10Y CAGR+11.4%

Investors Title Co Nc earned $18.57 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.0% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow
$25.4M
YoY+13.2%
5Y CAGR-3.9%
10Y CAGR+6.0%

Investors Title Co Nc generated $25.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 13.2% from the prior year.

Cash & Debt
$20.8M
YoY-15.5%
5Y CAGR+8.7%
10Y CAGR-0.4%

Investors Title Co Nc held $20.8M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share
$10.56
YoY-33.3%
5Y CAGR-8.8%
10Y CAGR+38.7%

Investors Title Co Nc paid $10.56 per share in dividends in fiscal year 2025. This represents a decrease of 33.3% from the prior year.

Shares Outstanding
2M
YoY+0.1%
5Y CAGR-0.1%
10Y CAGR-0.3%

Investors Title Co Nc had 2M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Net Margin
12.9%
YoY+0.9pp
5Y CAGR-3.8pp
10Y CAGR+3.0pp

Investors Title Co Nc's net profit margin was 12.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.9 percentage points from the prior year.

Return on Equity
13.1%
YoY+0.8pp
5Y CAGR-6.6pp
10Y CAGR+4.3pp

Investors Title Co Nc's ROE was 13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks
$0
YoY-100.0%

Investors Title Co Nc repurchased no shares in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

Capital Expenditures
$5.6M
YoY-25.2%
5Y CAGR+11.7%
10Y CAGR+7.3%

Investors Title Co Nc invested $5.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 25.2% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

ITIC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ITIC quarterly income statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Revenue$86.5M+35.1%$64.0M-7.9%$69.5M-4.8%$73.0M-0.8%$73.6M+30.2%$56.6M-19.9%$70.6M+2.6%$68.8M
SG&A Expenses$19.0M+0.1%$19.0M+0.2%$19.0M+8.9%$17.4M-0.1%$17.5M-4.8%$18.3M+3.5%$17.7M-1.9%$18.1M
Income Tax$4.8M+192.1%$1.6M-21.1%$2.1M-27.4%$2.9M-18.3%$3.5M+299.1%$882K-64.0%$2.4M+7.7%$2.3M
Net Income$14.6M+141.2%$6.1M-19.3%$7.5M-38.5%$12.2M-0.5%$12.3M+287.2%$3.2M-62.1%$8.4M-10.2%$9.3M
EPS (Diluted)$7.73+141.6%$3.20-19.6%$3.98-38.3%$6.45-0.5%$6.48+288.0%$1.67-62.1%$4.41-10.4%$4.92

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, Interest Expense.

ITIC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ITIC quarterly balance sheet
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Total Assets$380.1M+5.1%$361.5M-0.4%$363.1M-0.1%$363.3M+5.1%$345.8M+3.6%$333.8M+0.1%$333.6M-5.2%$352.0M
Cash & Equivalents$20.5M-23.4%$26.7M+28.1%$20.8M-8.4%$22.8M-23.3%$29.7M+7.5%$27.6M+12.0%$24.7M-3.2%$25.5M
Goodwill$9.8M+3.2%$9.5M+2.2%$9.3M+36.8%$6.8M0.0%$6.8M-29.2%$9.6M0.0%$9.6M0.0%$9.6M
Total Liabilities$93.6M+5.5%$88.7M-6.5%$94.8M+11.2%$85.3M+7.1%$79.6M+0.4%$79.4M-3.0%$81.8M+1.4%$80.7M
Total Equity$286.6M+5.0%$272.9M+1.7%$268.3M-3.5%$278.0M+4.4%$266.2M+4.6%$254.4M+1.0%$251.8M-7.2%$271.3M
Retained Earnings$286.4M+5.1%$272.5M+2.0%$267.2M-3.5%$276.9M+4.3%$265.4M+4.5%$253.8M+1.0%$251.4M-7.0%$270.2M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

ITIC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ITIC quarterly cash flow statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Operating Cash Flow$8.1M+400.4%$1.6M-67.5%$5.0M-70.9%$17.2M+93.7%$8.9M+11913.3%-$75K-100.6%$12.1M+55.3%$7.8M
Capital Expenditures$1.9M+76.6%$1.1M-20.3%$1.3M-1.6%$1.3M-13.4%$1.6M+16.8%$1.3M-1.3%$1.3M-22.2%$1.7M
Free Cash Flow$6.3M+1000.9%$569K-84.5%$3.7M-76.8%$15.8M+116.5%$7.3M+619.6%-$1.4M-113.0%$10.8M+77.4%$6.1M
Investing Cash Flow-$13.5M-364.2%$5.1M-50.9%$10.4M+144.8%-$23.2M-292.7%-$5.9M-251.9%$3.9M-72.8%$14.3M+275.0%-$8.2M
Financing Cash Flow-$870K-0.3%-$867K+95.0%-$17.3M-1896.3%-$868K0.0%-$868K0.0%-$868K+96.8%-$27.3M-3048.6%-$866K
Dividends Paid$870K+0.3%$867K-95.0%$17.3M+1896.3%$868K0.0%$868K0.0%$868K-96.8%$27.3M+3044.8%$867K
Share BuybacksN/AN/A$0$0$0$0-100.0%$1K$0

ITIC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

ITIC quarterly financial ratios
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Net Margin16.9%+7.4pp9.5%-1.3pp10.8%-5.9pp16.7%+0.1pp16.7%+11.1pp5.6%-6.2pp11.8%-1.7pp13.5%
Return on Equity5.1%+2.9pp2.2%-0.6pp2.8%-1.6pp4.4%-0.2pp4.6%+3.4pp1.3%-2.1pp3.3%-0.1pp3.4%
Return on Assets3.9%+2.2pp1.7%-0.4pp2.1%-1.3pp3.4%-0.2pp3.5%+2.6pp0.9%-1.6pp2.5%-0.1pp2.6%
Debt-to-Equity0.330.0x0.320.0x0.350.0x0.310.0x0.300.0x0.310.0x0.320.0x0.30
FCF Margin7.2%+6.3pp0.9%-4.4pp5.3%-16.4pp21.6%+11.7pp9.9%+12.4pp-2.5%-17.8pp15.3%+6.4pp8.8%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Frequently Asked Questions

What is Investors Title Co Nc's annual revenue?

Investors Title Co Nc (ITIC) reported $272.8M in total revenue for fiscal year 2025. This represents a 5.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Investors Title Co Nc's revenue growing?

Investors Title Co Nc (ITIC) revenue grew by 5.6% year-over-year, from $258.3M to $272.8M in fiscal year 2025.

Is Investors Title Co Nc profitable?

Yes, Investors Title Co Nc (ITIC) reported a net income of $35.2M in fiscal year 2025, with a net profit margin of 12.9%.

Investors Title Co Nc (ITIC) reported diluted earnings per share of $18.57 for fiscal year 2025. This represents a 13.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Investors Title Co Nc (ITIC) had a net profit margin of 12.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Investors Title Co Nc (ITIC) paid $10.56 per share in dividends during fiscal year 2025.

Investors Title Co Nc (ITIC) has a return on equity of 13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Investors Title Co Nc (ITIC) generated $25.4M in free cash flow during fiscal year 2025. This represents a 13.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Investors Title Co Nc (ITIC) generated $30.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Investors Title Co Nc (ITIC) had $363.1M in total assets as of fiscal year 2025, including both current and long-term assets.

Investors Title Co Nc (ITIC) invested $5.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Investors Title Co Nc (ITIC) had 2M shares outstanding as of fiscal year 2025.

Investors Title Co Nc (ITIC) had a debt-to-equity ratio of 0.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Investors Title Co Nc (ITIC) had a return on assets of 9.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Investors Title Co Nc (ITIC) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Investors Title Co Nc (ITIC) has an earnings quality ratio of 0.88x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

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