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ITIC 
Investors Title Company (ITIC)
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Upturn Advisory Summary
12/19/2025: ITIC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 20.19% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/19/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 406.47M USD | Price to earnings Ratio 13.73 | 1Y Target Price 39 |
Price to earnings Ratio 13.73 | 1Y Target Price 39 | ||
Volume (30-day avg) - | Beta 0.84 | 52 Weeks Range 164.64 - 275.49 | Updated Date 06/29/2025 |
52 Weeks Range 164.64 - 275.49 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.86% | Basic EPS (TTM) 15.69 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.38% | Operating Margin (TTM) 7.17% |
Management Effectiveness
Return on Assets (TTM) 7.07% | Return on Equity (TTM) 11.69% |
Valuation
Trailing PE 13.73 | Forward PE - | Enterprise Value 386243169 | Price to Sales(TTM) 1.56 |
Enterprise Value 386243169 | Price to Sales(TTM) 1.56 | ||
Enterprise Value to Revenue 1.48 | Enterprise Value to EBITDA - | Shares Outstanding 1886270 | Shares Floating 1513806 |
Shares Outstanding 1886270 | Shares Floating 1513806 | ||
Percent Insiders 25.37 | Percent Institutions 51.5 |
Upturn AI SWOT
Investors Title Company
Company Overview
History and Background
Investors Title Company (ITIC) was founded in 1972 in Chapel Hill, North Carolina. It initially focused on providing title insurance and related services to the real estate industry. Over the decades, the company has expanded its operations and product offerings, evolving into a diversified financial services provider with a strong emphasis on real estate-backed transactions.
Core Business Areas
- Title Insurance: Provides title insurance policies for residential and commercial real estate transactions, protecting buyers and lenders against title defects and claims.
- Escrow and Closing Services: Offers comprehensive escrow and closing services, managing the closing process from contract to funding and title transfer.
- Loan Origination and Servicing: Engages in originating, purchasing, and servicing mortgage loans, primarily for residential customers.
- Real Estate Software and Technology: Develops and provides technology solutions and software for real estate professionals, including title agents, attorneys, and lenders.
Leadership and Structure
Investors Title Company operates with a publicly traded corporate structure. Key leadership positions typically include a Chief Executive Officer, Chief Financial Officer, and a Board of Directors responsible for governance and strategic direction. Specific executive names and the detailed organizational chart are best obtained from the company's official investor relations website or SEC filings.
Top Products and Market Share
Key Offerings
- Title Insurance Policies: The core product, offering protection for real estate transactions. Market share data for specific title insurance products is fragmented and difficult to pinpoint for individual companies, as it's often reported by the broader title insurance industry. Major competitors include Fidelity National Financial (FNF), First American Financial Corporation (FAF), and Old Republic International (ORI). ITIC competes by focusing on regional strength and customer service.
- Escrow and Closing Services: Facilitates the secure transfer of property ownership. Similar to title insurance, granular market share data is elusive. Competitors range from independent escrow companies to title insurance underwriters offering these services.
- Mortgage Origination and Servicing: A growing area for ITIC, providing financing solutions. This segment faces competition from national banks, credit unions, and specialized mortgage lenders. Market share is highly dynamic and dependent on interest rate environments and lending policies.
- Real Estate Technology Solutions: Software and platforms designed to streamline real estate transactions. Competitors include established real estate software providers like Altisource, CoreLogic, and various smaller specialized technology firms.
Market Dynamics
Industry Overview
The title insurance and real estate services industry is closely tied to the health of the U.S. housing market. It is characterized by cyclicality influenced by interest rates, home sales volume, and regulatory changes. The industry is competitive, with established national players and regional specialists. Technology adoption is increasingly important for efficiency and customer experience.
Positioning
Investors Title Company is a well-established regional player with a strong presence in North Carolina and surrounding states. Its competitive advantages lie in its deep local market knowledge, strong relationships with real estate professionals, and a diversified business model that includes lending and technology services. The company's focus on niche markets and specialized services differentiates it from larger national competitors.
Total Addressable Market (TAM)
The total addressable market for title insurance and related real estate services in the U.S. is substantial, estimated to be in the tens of billions of dollars annually, driven by the volume of real estate transactions. Investors Title Company, as a regional provider, addresses a segment of this TAM, with potential for growth through strategic expansion and new service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence and brand recognition, particularly in North Carolina.
- Diversified business model encompassing title insurance, escrow, lending, and technology.
- Experienced management team with deep industry knowledge.
- Established relationships with real estate agents, attorneys, and builders.
- Focus on customer service and personalized solutions.
Weaknesses
- Smaller scale compared to national title insurance giants, potentially limiting market reach.
- Dependence on the health of regional real estate markets.
- Brand recognition may be lower outside of its core operating areas.
- Potential challenges in competing with the vast resources of larger, publicly traded competitors in technology investments.
Opportunities
- Expansion into new geographic markets.
- Growth in the mortgage origination and servicing sector.
- Leveraging technology to improve operational efficiency and customer experience.
- Acquisitions of smaller title agencies or complementary businesses.
- Increasing demand for ancillary real estate services.
Threats
- Downturns in the housing market and declining home sales.
- Rising interest rates impacting mortgage affordability and transaction volume.
- Increased competition from national players and disruptive technology companies.
- Changes in real estate regulations and legal liabilities.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- Fidelity National Financial (FNF)
- First American Financial Corporation (FAF)
- Old Republic International Corporation (ORI)
Competitive Landscape
Investors Title Company operates in a competitive landscape dominated by larger national title insurance underwriters. Its advantages lie in its focused regional expertise, strong customer relationships, and a more personalized approach. However, it faces challenges in matching the scale, technological investment, and broad national network of its larger rivals. The company differentiates itself through specialized services and a commitment to client satisfaction within its operating regions.
Growth Trajectory and Initiatives
Historical Growth: Investors Title Company has demonstrated steady historical growth, driven by its expansion within its core geographic markets and the diversification of its service offerings. The company has managed to adapt to changing market dynamics and has shown resilience through various economic cycles. Growth has been organic, supplemented by strategic decisions to enhance its service portfolio.
Future Projections: Future growth projections for Investors Title Company are likely to be influenced by the overall U.S. real estate market, interest rate policies, and the company's ability to innovate and expand its service lines, particularly in technology and mortgage services. Analyst estimates, when available, will provide specific forward-looking guidance. The company's strategic initiatives to leverage technology and diversify revenue streams are key to its future growth.
Recent Initiatives: Recent initiatives likely focus on enhancing technological capabilities to streamline operations and improve customer experience, expanding mortgage origination and servicing, and potentially exploring strategic partnerships or acquisitions to broaden its market reach or service offerings.
Summary
Investors Title Company is a well-established, regionally strong provider of title insurance and related real estate services. Its diversified business model, including lending and technology, offers resilience. While it faces significant competition from larger national players, its customer-centric approach and deep market knowledge are key strengths. Future growth hinges on navigating real estate market fluctuations and continued investment in technology and service expansion.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Websites
- SEC Filings (10-K, 10-Q)
- Industry Analyst Reports
- Financial Data Aggregators
Disclaimers:
This JSON output is an aggregation of publicly available information and general industry knowledge. It is not intended as financial advice. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Investors Title Company
Exchange NASDAQ | Headquaters Chapel Hill, NC, United States | ||
IPO Launch date 1990-03-27 | Founder, Chairman & CEO Mr. James Allen Fine | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 521 | Website https://www.invtitle.com |
Full time employees 521 | Website https://www.invtitle.com | ||
Investors Title Company engages in the issuance of residential and commercial title insurance for residential, institutional, commercial, and industrial properties. It underwrites land title insurance for owners and mortgagees as a primary insurer; and assumes the reinsurance of title insurance risks from other title insurance companies. The company also provides services in connection with tax-deferred exchanges of like-kind property; acts as a qualified intermediary in tax-deferred exchanges of property; coordinates the exchange aspects of the real estate transaction, such as drafting standard exchange documents, holding the exchange funds between the sale of the old property and the purchase of the new property, and accepting the formal identification of the replacement property. In addition, it serves as an exchange accommodation titleholder for accomplishing reverse exchanges when the taxpayers decide to acquire replacement property before selling the relinquished property. Further, the company offers investment management and trust services to individuals, companies, banks, and trusts; and consulting and management services to clients to start and operate a title insurance agency. It issues title insurance policies directly and through a network of agents in 22 states and the District of Columbia in the United States. Investors Title Company was founded in 1972 and is headquartered in Chapel Hill, North Carolina.
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