ITIC
NEUTRAL
$230.55
Live
Investors Title Company · NASDAQ
$190.2
52W Range
$288.98
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$435.18M
P/E
12.42
ROE
13.5%
Profit margin
12.9%
Debt/Equity
0.03
Dividend yield
0.8%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
ITIC presents a contradictory profile characterized by a weak Piotroski F-Score of 3/9, indicating deteriorating fundamental health, despite an exceptionally clean balance sheet with a Debt/Equity ratio of 0.03. While the stock trades below its Graham Number ($243.61), suggesting defensive value, it sits significantly above its growth-based intrinsic value ($129.92) amid negative YoY revenue (-1.60%) and earnings growth (-10.10%). The technical trend is purely bearish (0/100), and the lack of analyst coverage suggests a neglected small-cap position. Overall, the company is financially stable but operationally stagnant.
Key Strengths
Extremely low leverage (Debt/Equity 0.03)
Trades below the Graham Number defensive fair value
Strong gross margins (56.63%)
Very conservative dividend payout ratio (9.91%)
Reasonable P/E ratio (12.42) relative to historical norms
Key Risks
Weak Piotroski F-Score (3/9) signaling fundamental decline
Negative YoY revenue and earnings growth
Bearish technical trend (0/100)
Significant gap between current price and growth-based intrinsic value
Low dividend yield (0.80%) providing little income support
AI Fair Value Estimate
Based on comprehensive analysis
$186.77
-19.0% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
45
Moderate
65
30
55
35
40
AI Verdict
Stagnant Value Trap Risk
Key drivers: Negative growth metrics, Low debt levels, Poor Piotroski health score, Defensive valuation
Confidence
80%
Value
65/100
Ref P/E, Graham Number
Positives
- Price is below Graham Number
- Low P/E of 12.42
Watchpoints
- Price is 77% above growth-based intrinsic value
Future
30/100
Ref Growth rates
Positives
- Recent Q/Q EPS growth spike (+63%)
Watchpoints
- Negative YoY Revenue Growth
- Negative YoY Earnings Growth
Past
55/100
Ref Historical trends
Positives
- Strong 5Y price appreciation (+81%)
- Consistent history of earnings beats (3/4 last 4 quarters)
Watchpoints
- Erratic historical earnings surprises
Health
35/100
Ref Piotroski F-Score
Positives
- Negligible debt (0.03 D/E)
- Healthy current ratio (1.47)
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
Dividend
40/100
Ref Yield, Payout
Positives
- Extremely safe payout ratio (9.91%)
Watchpoints
- Very low yield (0.80%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$230.55
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ITIC and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ITIC
Investors Title Company
Primary
|
+81.0% | +79.6% | +5.6% | -5.8% | +4.0% | +5.4% |
|
IEAG
Infinite Eagle Acquisition Corp.
Peer
|
0.0% | 0.0% | 0.0% | 0.0% | -0.4% | 0.0% |
|
FRBA
First Bank
Peer
|
+62.9% | +79.6% | +24.9% | +11.5% | +9.3% | +5.5% |
|
BFK
BlackRock Municipal Income Trust
Peer
|
-13.6% | +11.8% | +7.0% | +8.8% | +2.9% | -0.7% |
|
BTBT
Bit Digital, Inc.
Peer
|
-92.2% | -21.6% | -34.5% | -65.0% | -21.6% | 0.0% |
ITI
Investors Title Company
Primary
5Y
+81.0%
3Y
+79.6%
1Y
+5.6%
6M
-5.8%
1M
+4.0%
1W
+5.4%
IEA
Infinite Eagle Acquisition Corp.
Peer
5Y
0.0%
3Y
0.0%
1Y
0.0%
6M
0.0%
1M
-0.4%
1W
0.0%
FRB
First Bank
Peer
5Y
+62.9%
3Y
+79.6%
1Y
+24.9%
6M
+11.5%
1M
+9.3%
1W
+5.5%
BFK
BlackRock Municipal Income Trust
Peer
5Y
-13.6%
3Y
+11.8%
1Y
+7.0%
6M
+8.8%
1M
+2.9%
1W
-0.7%
BTB
Bit Digital, Inc.
Peer
5Y
-92.2%
3Y
-21.6%
1Y
-34.5%
6M
-65.0%
1M
-21.6%
1W
0.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.42
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.62
P/S Ratio
1.6
EV/Revenue
1.3
EV/EBITDA
7.23
Market Cap
$435.18M
Profitability
Profit margins and return metrics
Profit Margin
12.9%
Operating Margin
13.78%
Gross Margin
56.63%
ROE
13.53%
ROA
7.99%
Growth
Revenue and earnings growth rates
Revenue Growth
-1.6%
Earnings Growth
-10.1%
Q/Q Revenue Growth
-1.34%
Q/Q Earnings Growth
-10.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.03
Low debt
Current Ratio
1.47
Good
Quick Ratio
1.33
Good
Cash/Share
$47.47
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
10.7%
Total Assets
$0.4B
Liabilities
$0.1B
Equity
$0.3B
Debt/Equity
0.35x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
73%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2011-08-02
$0.75
+87.5% surprise
2011-04-29
$0.46
+17.9% surprise
2011-02-17
$1.04
+215.2% surprise
Financial Services Sector Comparison
Comparing ITIC against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
P/E Ratio
12.42
This Stock
vs
52.08
Sector Avg
-76.1%
(Discount)
Return on Equity (ROE)
13.53%
This Stock
vs
-0.05%
Sector Avg
-25981.6%
(Below Avg)
Profit Margin
12.9%
This Stock
vs
66.07%
Sector Avg
-80.5%
(Weaker)
Debt to Equity
0.03
This Stock
vs
1.34
Sector Avg
-97.8%
(Less Debt)
Revenue Growth
-1.6%
This Stock
vs
43.38%
Sector Avg
-103.7%
(Slower)
Current Ratio
1.47
This Stock
vs
3.16
Sector Avg
-53.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ITIC
Investors Title Company
|
NEUTRAL | $435.18M | 12.42 | 13.5% | 12.9% | $230.55 | |
|
IEAG
Infinite Eagle Acquisition Corp.
|
BEARISH | $435.2M | - | -% | -% | $10.0 | Compare |
|
FRBA
First Bank
|
BULLISH | $428.38M | 9.7 | 10.2% | 32.3% | $17.07 | Compare |
|
BFK
BlackRock Municipal Income Trust
|
BEARISH | $442.06M | - | -% | -52.0% | $10.08 | Compare |
|
BTBT
Bit Digital, Inc.
|
NEUTRAL | $427.82M | - | -12.8% | -71.7% | $1.31 | Compare |
ITIC
Investors Title Company
NEUTRAL
Mkt Cap
$435M
P/E
12.4
ROE
13.5%
Price
$230.55
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-18 | SPEED JAMES HERBERT JR | Director | Stock Award | 210 | $46,239 |
| 2026-03-18 | SPEED JAMES HERBERT JR | Director | Option Exercise | 210 | $46,239 |
| 2026-03-18 | PARKER ELTON C. JR. | Director | Stock Award | 212 | $46,679 |
| 2026-03-18 | PARKER ELTON C. JR. | Director | Option Exercise | 212 | $46,679 |
| 2026-02-20 | SCOTT JAMES E | Director | Purchase | 500 | $110,355 |
SPEED JAMES HERBERT JR
Director
2026-03-18
210 shares
·
$46,239
SPEED JAMES HERBERT JR
Director
2026-03-18
210 shares
·
$46,239
PARKER ELTON C. JR.
Director
2026-03-18
212 shares
·
$46,679
PARKER ELTON C. JR.
Director
2026-03-18
212 shares
·
$46,679
SCOTT JAMES E
Director
2026-02-20
500 shares
·
$110,355
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning ITIC from our newsroom.
Newest → oldest
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