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Investors Title Company(ITIC)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL RECENCY
2-STAR RATING
Consider higher Upturn Star rating
BUY for 106 days
PROFIT SINCE LAST BUY
+21%
LAST CLOSE
$289
09/18/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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  • BUY Advisory
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  • SELL Advisory (Loss)
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Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for ITIC

09/18/2026: ITIC (2-star) has a low Upturn Star Rating. Not recommended to BUY.

How to Read the Upturn Advisory

The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.

Company fundamentals, valuation, risks, and news provide supporting context about the business.

Price Behavior

Strong Uptrend
PRICE PATH

Strong Uptrend

The stock has maintained a strong upward price trend across the last three quarters.

Moderately Choppy
PRICE STABILITY

Moderately Choppy

The stock has experienced noticeable price swings while retaining some directional structure.

Analysis of Past Performance

Type Stock
Historic Profit 16.97%
Avg. Invested days 54
Today’s Advisory Consider higher Upturn Star rating
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 3.0
Stock Returns Performance Upturn Returns Performance icon 2.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/18/2026

Upturn Scorecard

Upturn Star Rating

ITIC receives a 3-star rating, supported by solid company fundamentals, and solid quantitative characteristics. The rating is constrained by soft analyst coverage, weak price momentum, and limited analyst upside.

Company Fundamentals

ITIC has solid overall fundamentals (4 stars), with moderate financial health, moderate growth momentum, and strong ownership. In FY2025 versus FY2024, solid earnings growth (+13.2%) and solid cash generation (FCF margin 9.3%) are partially offset by moderate revenue growth (+5.6%).

Financial Health Rating

ITIC's financial health is supported by solid cash strength, including free-cash-flow generation (9.3% of revenue). Liquidity is moderate (3 stars), which helps explain the 3-star overall score.

Growth Momentum Score

Free-cash-flow growth is ITIC's strongest growth driver at +13.2% FY2025 versus FY2024 (solid, 4 stars). Revenue growth (+5.6%, moderate) and earnings growth (+13.2%, solid) are also constructive, though not equally high across every growth measure.

Ownership

Institutional ownership is 54.9% and approximately 80.2% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership of 25.05% supports management-shareholder alignment.

Top 5 Institutional Investors

Markel Group Inc 11.30%
BlackRock Inc 5.82%
Dimensional Fund Advisors, Inc. 3.91%
Vanguard Capital Management, LLC 3.21%
Two Sigma Investments LLC 2.88%

Unit Economics (Per $1K Revenue)

ITIC generates approximately $983 of gross profit, $163 of operating income, and $93 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 21.03%

Quantitative Style Profile

ITIC has a high-quality, liquid, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedQuality TiltLow VolatilitySmall / Mid Cap RiskShort Squeeze RiskHighly Liquid / Institution-Friendly

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 545.63M USD
Price to earnings Ratio 13.55
1Y Target Price 39
Price to earnings Ratio 13.55
1Y Target Price 39
Volume (30-day avg) 74.1K shares
Beta 0.61
52 Weeks Range 208.58 - 309.07
Updated Date 09/20/2026
52 Weeks Range 208.58 - 309.07
Updated Date 09/20/2026
Dividends yield (FY) 0.62%
Basic EPS (TTM) 21.33

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

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Valuation

Trailing PE 13.55
Forward PE 7.91
Enterprise Value 533.88M
Price to Sales(TTM) 1.86
Enterprise Value 533.88M
Price to Sales(TTM) 1.86
Enterprise Value to Revenue 1.82
Enterprise Value to EBITDA -
Shares Outstanding 1.89M
Shares Floating 1.51M
Shares Outstanding 1.89M
Shares Floating 1.51M
Percent Insiders 25.05
Percent Institutions 54.85

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.

Net Income (Profit)

Information icon Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.

Free Cash Flow (Cash Strength)

Information icon Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.

📈 Growth & Strength

Operating Income (Core Profit)

Information icon Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.

EBITDA (Cash Earnings)

Information icon Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.

Gross Profit (Unit Profitability)

Information icon Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.

🛡️ Financial Safety

Cash (Liquidity Buffer)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.

Net Working Capital (Short-Term Health)

Information icon Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.

🧱 Balance Sheet Strength

Stockholder Equity (Net Worth)

Information icon Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.

Total Assets (Asset Base)

Information icon The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.

Income Before Tax (Pre-Tax Earnings)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.

Total Operating Expenses (Operating Cost)

Information icon Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.

Income Tax Expense (Tax Drag)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About Investors Title Company

Exchange NASDAQ
Headquarters 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 548
Full time employees 548

Investors Title Company, through its subsidiaries, engages in the issuance of residential and commercial title insurance for residential, institutional, commercial, and industrial properties. The company operates through Title Insurance and Exchange Services segments. 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 real 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 acts 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. Investors Title Company was founded in 1972 and is headquartered in Chapel Hill, North Carolina.