Stocks · Financial Services · Insurance - Specialty
Investors Title Company ITIC
$290.20 +1.56% Close, Oct 2, 2026 · NASDAQ · Market cap $547.9M
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 80 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $21.33, up 21.9% year over year.
- Revenue over the last four quarters was $293.1M, up 8.7% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 43%
- EPS growth (TTM, YoY)Top 47%
- FCF growth (TTM, YoY)Top 41%
- Revenue growth, 3-year CAGRBottom 7%
- Revenue growth accelerationTop 33%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 12%
- Gross marginTop 2%
- Operating marginBottom 40%
- Cash conversion (OCF / net income)Bottom 30%
- Accruals (lower is better)Bottom 18%
- Net debt / EBITDA (lower is better)Top 26%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 44%
- Free-cash-flow yieldBottom 36%
- EBITDA / enterprise valueTop 24%
- Sales / enterprise valueTop 24%
- P/E vs own 5-year history (lower is better)Bottom 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 49%
- 6-month returnTop 9%
- 1-year return vs S&P 500Top 45%
- Distance from 52-week highTop 31%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 37%
- Maximum drawdown, 3 yearsBottom 40%
- Beta vs S&P 500 (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Top 26%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.2% | 8.7% | ↑ |
| EPS growth (YoY) | 27.9% | 21.9% | ↓ |
| Gross margin | 78.9% | 98.1% | ↑ |
| Operating margin | 15.7% | 17.7% | ↑ |
| FCF margin | 8.5% | 10.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.7% | 7.2% | ↑ | Top 43% |
| EPS growth (TTM, YoY) | 21.9% | 27.9% | ↓ | Top 47% |
| Gross margin | 98.1% | 78.9% | ↑ | Top 2% |
| Operating margin | 17.7% | 15.7% | ↑ | Bottom 40% |
| Net margin | 13.8% | 12.3% | ↑ | — |
| Free-cash-flow margin | 10.0% | 8.5% | ↑ | — |
| Return on invested capital | 10.9% | — | Top 12% | |
| Revenue growth, 3-year CAGR | -1.3% | — | Bottom 7% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.79×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -10.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.20×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.64%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 3.64%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +2.9%
- Positive 20 days after report
- 5 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | — | +2.2% | -2.9% | +0.9% | — |
| May 7, 2026 | — | +2.6% | -1.4% | +0.1% | +24.0% |
| Feb 17, 2026 | — | +0.4% | -18.0% | -14.9% | -10.3% |
| Nov 5, 2025 | — | +6.7% | +8.4% | -0.9% | -0.0% |
| Aug 6, 2025 | — | +2.7% | +9.5% | +13.2% | +16.8% |
| May 8, 2025 | — | +0.2% | -0.0% | -18.7% | -9.8% |
| Feb 13, 2025 | — | +4.2% | +4.2% | +6.5% | +5.7% |
| Nov 5, 2024 | — | +3.9% | +13.4% | +18.8% | -3.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $7.73 | — | — | $86.5M |
| May 7, 2026 | $3.20 | — | — | $64.0M |
| Feb 17, 2026 | $3.97 | — | — | $69.5M |
| Nov 5, 2025 | $6.45 | — | — | — |
| Aug 6, 2025 | $6.48 | — | — | $73.6M |
| May 8, 2025 | $1.67 | — | — | $56.6M |
| Feb 13, 2025 | $4.41 | — | — | $70.6M |
| Nov 5, 2024 | $4.92 | — | — | $68.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.6× | 12.2× | 67th | Top 44% |
| EV / EBITDA | 9.1× | — | — | Top 24% |
| EV / Sales | 1.83× | — | — | Top 24% |
| Free-cash-flow yield | 5.34% | — | — | Bottom 36% |
| Earnings yield | 7.35% | — | — | Top 44% |
P/E over the past five years
Range 5.2× – 16.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +7.9%
- Earnings per share growth (TTM)
- +21.9%
- Change in P/E multiple
- +6.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 80
- 50-day average slope (20 days)
- +2.1%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- -0.7%
- Distance from 200-day average
- +12.5%
- RSI (14)
- 48.8
- Relative volume
- 0.55×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.1%
- Volatility vs own 5-year history
- 9th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.61
- Correlation with S&P 500
- 0.27
- Current drawdown from 1-year high
- -5.2%
- Maximum drawdown, 3 years
- -32.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2021 | Oct 24, 2022 | -48.6% | 229 days | 512 days (Nov 6, 2024) |
| Nov 29, 2024 | Jun 4, 2025 | -32.6% | 126 days | 111 days (Nov 11, 2025) |
| Nov 11, 2025 | Mar 20, 2026 | -26.9% | 88 days | 81 days (Jul 17, 2026) |
| Nov 27, 2020 | Jan 27, 2021 | -25.4% | 40 days | 136 days (Aug 11, 2021) |
| Oct 15, 2020 | Nov 2, 2020 | -13.8% | 12 days | 6 days (Nov 10, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $547.9M
- P/E (TTM)
- 13.6
- EPS, diluted (TTM)
- $21.33
- Revenue (TTM)
- $293.1M
- Dividend yield
- 3.64%
- 52-week range
- $209.75 – $309.55
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $329.5M | $283.4M | $224.8M | $258.3M | $272.8M |
| Gross profit | $181.0M | $157.6M | $136.6M | $146.4M | $268.1M |
| Operating income | $84.9M | $30.1M | $26.2M | $39.5M | $44.5M |
| Net income | $67.0M | $23.9M | $21.7M | $31.1M | $35.2M |
| EPS (diluted) | $35.27 | $12.59 | $11.46 | $16.42 | $18.57 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $68.8M | $70.6M | $56.6M | $73.6M | $73.0M | $69.5M | $64.0M | $86.5M |
| Net income | $9.3M | $8.4M | $3.2M | $12.3M | $12.2M | $7.5M | $6.1M | $14.6M |
| EPS (diluted) | $4.92 | $4.42 | $1.67 | $6.49 | $6.43 | $3.97 | $3.20 | $7.73 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $51.9M | $36.2M | $7.4M | $29.8M | $30.9M |
| Capital expenditure | -$6.5M | -$5.7M | -$9.2M | -$7.4M | -$5.6M |
| Free cash flow | $45.4M | $30.5M | -$1.8M | $22.4M | $25.4M |
| Dividends paid | -$37.6M | -$9.2M | -$11.0M | -$29.9M | -$19.9M |
| Net share buybacks | $0 | -$133,000 | -$959,000 | -$1.1M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $72.2M
- Total assets
- $380.1M
- Total liabilities
- $93.6M
- Total debt
- $8.7M
- Net debt
- -$11.7M
- Shareholders’ equity
- $286.6M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.46 | Sep 15, 2026 |
| Jun 15, 2026 | $0.46 | Jun 30, 2026 |
| Mar 23, 2026 | $0.46 | Mar 31, 2026 |
| Dec 1, 2025 | $9.18 | Dec 15, 2025 |
| Sep 2, 2025 | $0.46 | Sep 15, 2025 |
| Jun 13, 2025 | $0.46 | Jun 30, 2025 |
| Mar 24, 2025 | $0.46 | Mar 31, 2025 |
| Dec 2, 2024 | $14.46 | Dec 16, 2024 |
Short interest
- Shares sold short
- 85,482
- Days to cover
- 1.24
- Change vs previous report
- -3.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 16, 1987
- 2-for-1
- Aug 11, 1987
- 5-for-4