INVESTORS TITLE CO(ITIC)Stock Analysis
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Rank #454 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
ITIC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for INVESTORS TITLE CO (ITIC), a Financials sector company. 13F Pro's AI-powered ranking engine scores ITIC at 67.7/100 on a 32-signal composite quality model, placing it at rank #454 of 2,879 stocks — the top 25% of the AI-ranked universe. ITIC scores in the top quartile across profitability (96.1), free cash flow (93.6), balance sheet strength (85.3). Areas of concern include revenue scale (9.3) and institutional flow (21.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), INVESTORS TITLE CO reports quarterly revenue of $64.0M, net income of $6.1M, an operating margin of 12.0%. Top institutional holders of ITIC by reported 13-F value include MARKEL GROUP, BlackRock,, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. ITIC trades on the Nasdaq exchange and files with the SEC under CIK 720858. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ITIC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for INVESTORS TITLE CO directly from SEC EDGAR. INVESTORS TITLE CO's 13F Pro composite quality score has ranged between 8 and 81 since 2021, currently 67.7 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.
What's Driving ITIC's Business? Latest 10-Q Breakdown
AI-extracted from INVESTORS TITLE CO's 10-Q filed 2026-05-11 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income doubled to $6.1M on 9.9% higher premiums and stronger investment gains; after-tax profit margin expanded to 9.5% from 5.6% YoY.
Biggest Revenue Drivers
Total revenue: $64.0M+13.2% YoY
Higher levels of real estate activity and ongoing expansion initiatives.
Lower revenue from like-kind exchanges.
Largest Expense Items
Commensurate with increase in agent premium volume; commission rate 74.8% of agent premiums vs. 75.8% prior year.
Merit increases in salaries and contractor expenditures; declined to 29.7% of revenue from 32.4% prior year.
Actuarial projections resulting in higher current-year loss expectations; 0.9% of premiums vs. 0.7% prior year.
Increases in expenses associated with higher title insurance revenues and business development expenses.
Margins: After-tax profit margin improved to 9.5% from 5.6% YoY, driven by strong premium growth and net investment gains of $0.5M versus losses of $1.2M in the prior year. Operating leverage benefited from higher escrow fees and managed personnel expense ratios despite merit salary increases.
Watch Items from the Filing
- Claims reserve uncertainty: Total reserve $37.9M, with IBNR (incurred but not reported) representing 92.3% of reserves. Actual losses are unpredictable and subject to changes in economic conditions and claims patterns.
- Interest rate and real estate market sensitivity: Title premiums depend on mortgage originations and refinancing. MBA Forecast projects 6.7% increase in total originations for 2026, but elevated mortgage rates (6.1% in Q1 2026 vs. 6.8% YoY) and forward projections of 6.3%-6.5% mortgage rates create demand uncertainty.
- Off-balance-sheet liabilities: Like-kind exchange deposits totaled $291.4M at March 31, 2026 (vs. $269.3M Dec 2025); company remains contingently liable for disposition and returns on these funds.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$64.0M
Net Income
Q1 2026
$6.1M
Free Cash Flow
Q1 2026
$569.0K
Operating Margin
Q1 2026
12.0%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+21.4% YoYNet Income
+62.2% YoYEPS (Diluted)
+62.2% YoYTotal Assets
+9.9% YoYOp. Cash Flow
+316.6% YoY| Metric | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $272.8M +21.4% | $224.8M -20.7% | $283.4M -14.0% | $329.5M +39.4% | $236.4M +28.8% | $183.5M |
| Net Income | $35.2M +62.2% | $21.7M -9.3% | $23.9M -64.3% | $67.0M +70.0% | $39.4M +25.3% | $31.5M |
| EPS (Diluted) | $18.57 +62.2% | $11.45 -9.1% | $12.59 -64.3% | $35.28 +69.6% | $20.80 +25.4% | $16.59 |
| Total Assets | $363.1M +9.9% | $330.6M -2.7% | $339.8M +2.5% | $331.5M +17.2% | $282.9M +7.2% | $263.9M |
| Operating Cash Flow | $30.9M +316.6% | $7.4M -79.5% | $36.2M -30.3% | $51.9M +52.3% | $34.1M +63.0% | $20.9M |
AI Insight: ITIC Ratio Trends
ITIC profitability has collapsed from Q2 2025 peak, with OpMargin falling from 21.4% to 12.0% and ROE halving to 8.9% by Q1 2026.
• OpMargin contracted sharply: 21.4% in Q2 2025 → 12.0% in Q1 2026, a 940bp deterioration over three quarters.
• ROE declined from 18.4% in Q2 2025 to 8.9% in Q1 2026; NPM fell 720bp in same period.
• Q1 2025 saw severe trough (OpMargin 7.2%, NPM 5.6%), followed by strong Q2–Q3 2025 recovery, then renewed decline into Q1 2026.
⚠ Q1 2026 marks fifth consecutive quarter of margin compression or stagnation below 21.4% peak; pattern suggests cyclical or structural headwinds.
⚠ ROIC fell to 11.3% in Q1 2026 from 23.7% peak in Q2 2025—first time below TTM 17.7% and lowest since Q2 2024.
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13F Pro tracks comprehensive data for INVESTORS TITLE CO including:
Top Institutional Holders of ITIC
MARKEL GROUP INC.
$46.4M213,300 shBlackRock, Inc.
$23.9M109,833 shDIMENSIONAL FUND ADVISORS LP
$15.9M73,065 shVANGUARD CAPITAL MANAGEMENT LLC
$13.2M60,617 shTWO SIGMA INVESTMENTS, LP
$11.0M50,648 shGEODE CAPITAL MANAGEMENT, LLC
$8.1M37,268 shGOLDMAN SACHS GROUP INC
$6.8M31,098 shSTATE STREET CORP
$6.4M29,616 shTHIRD AVENUE MANAGEMENT LLC
$4.8M21,894 shMORGAN STANLEY
$4.1M19,073 sh
| Fund | Value | Shares |
|---|---|---|
| MARKEL GROUP INC. | $46.4M | 213,300 |
| BlackRock, Inc. | $23.9M | 109,833 |
| DIMENSIONAL FUND ADVISORS LP | $15.9M | 73,065 |
| VANGUARD CAPITAL MANAGEMENT LLC | $13.2M | 60,617 |
| TWO SIGMA INVESTMENTS, LP | $11.0M | 50,648 |
| GEODE CAPITAL MANAGEMENT, LLC | $8.1M | 37,268 |
| GOLDMAN SACHS GROUP INC | $6.8M | 31,098 |
| STATE STREET CORP | $6.4M | 29,616 |
| THIRD AVENUE MANAGEMENT LLC | $4.8M | 21,894 |
| MORGAN STANLEY | $4.1M | 19,073 |
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Popular Research
Is ITIC a good stock to buy?
13F Pro's AI-powered analysis of INVESTORS TITLE CO (ITIC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ITIC are available on the ITIC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own ITIC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ITIC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of INVESTORS TITLE CO's investment landscape.