What is Investors Title Co Nc's earnings per share (EPS)?

Investors Title Co Nc (ITIC) reported diluted earnings per share of $18.57 for fiscal year 2025. This represents a 13.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Investors Title Co Nc Financials

ITIC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Investors Title Co Nc (ITIC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 57/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Investors Title Co Nc's revenue grew 5.6% year-over-year to $272.8M, a solid pace of expansion. This earns a growth score of 43/100.

Leverage

Investors Title Co Nc carries a low D/E ratio of 0.35, meaning only $0.35 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 95/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Investors Title Co Nc has a free cash flow margin of 9.3%, earning a moderate score of 48/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Investors Title Co Nc's ROE of 13.1% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 12.3% the prior year.

Piotroski F-Score Weak

3/9

Investors Title Co Nc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.88x

For every $1 of reported earnings, Investors Title Co Nc generates $0.88 in operating cash flow ($30.9M OCF vs $35.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$272.8M

YoY+5.6%

5Y CAGR+2.9%

10Y CAGR+7.9%

Investors Title Co Nc generated $272.8M in revenue in fiscal year 2025. This represents an increase of 5.6% from the prior year.

EBITDA

N/A

Net Income

$35.2M

YoY+13.2%

5Y CAGR-2.3%

10Y CAGR+10.9%

Investors Title Co Nc reported $35.2M in net income in fiscal year 2025. This represents an increase of 13.2% from the prior year.

EPS (Diluted)

$18.57

YoY+13.0%

5Y CAGR-2.2%

10Y CAGR+11.4%

Investors Title Co Nc earned $18.57 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$25.4M

YoY+13.2%

5Y CAGR-3.9%

10Y CAGR+6.0%

Investors Title Co Nc generated $25.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 13.2% from the prior year.

Cash & Debt

$20.8M

YoY-15.5%

5Y CAGR+8.7%

10Y CAGR-0.4%

Investors Title Co Nc held $20.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$10.56

YoY-33.3%

5Y CAGR-8.8%

10Y CAGR+38.7%

Investors Title Co Nc paid $10.56 per share in dividends in fiscal year 2025. This represents a decrease of 33.3% from the prior year.

Shares Outstanding

YoY+0.1%

5Y CAGR-0.0%

10Y CAGR-0.3%

Investors Title Co Nc had 2M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

12.9%

YoY+0.9pp

5Y CAGR-3.8pp

10Y CAGR+3.0pp

Investors Title Co Nc's net profit margin was 12.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.9 percentage points from the prior year.

Return on Equity

13.1%

YoY+0.8pp

5Y CAGR-6.6pp

10Y CAGR+4.3pp

Investors Title Co Nc's ROE was 13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Investors Title Co Nc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$5.6M

YoY-25.2%

5Y CAGR+11.7%

10Y CAGR+7.3%

Investors Title Co Nc invested $5.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 25.2% from the prior year.

ITIC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$272.8M+5.6%	$258.3M+14.9%	$224.8M-20.7%	$283.4M-14.0%	$329.5M+39.4%	$236.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$9.4M+11.7%	$8.4M+84.6%	$4.5M-26.8%	$6.2M-65.4%	$17.9M+74.9%	$10.2M
Net Income	$35.2M+13.2%	$31.1M+43.3%	$21.7M-9.3%	$23.9M-64.3%	$67.0M+70.0%	$39.4M
EPS (Diluted)	$18.57+13.0%	$16.43+43.5%	$11.45-9.1%	$12.59-64.3%	$35.28+69.6%	$20.80

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$69.5M-4.8%	$73.0M-0.8%	$73.6M+30.2%	$56.6M-19.9%	$70.6M+2.6%	$68.8M+5.3%	$65.4M+22.3%	$53.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$2.1M-27.4%	$2.9M-18.3%	$3.5M+299.1%	$882K-64.0%	$2.4M+7.7%	$2.3M-5.1%	$2.4M+88.4%	$1.3M
Net Income	$7.5M-38.5%	$12.2M-0.5%	$12.3M+287.2%	$3.2M-62.1%	$8.4M-10.2%	$9.3M+5.0%	$8.9M+96.0%	$4.5M
EPS (Diluted)	N/A	$6.45-0.5%	$6.48+288.0%	$1.67	N/A	$4.92+4.7%	$4.70+95.8%	$2.40

ITIC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$363.1M+8.9%	$333.6M+0.9%	$330.6M-2.7%	$339.8M+2.5%	$331.5M+17.2%	$282.9M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$20.8M-15.5%	$24.7M+2.6%	$24.0M-31.9%	$35.3M-5.0%	$37.2M+170.8%	$13.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.3M-3.1%	$9.6M0.0%	$9.6M0.0%	$9.6M+33.3%	$7.2M+63.6%	$4.4M
Total Liabilities	$94.8M+15.9%	$81.8M+3.5%	$79.0M-20.0%	$98.7M-3.6%	$102.4M+24.1%	$82.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$268.3M+6.6%	$251.8M+0.1%	$251.6M+4.4%	$241.0M+5.2%	$229.1M+14.3%	$200.4M
Retained Earnings	$267.2M+6.3%	$251.4M+0.2%	$250.9M+4.2%	$240.8M+6.6%	$225.9M+15.2%	$196.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$363.1M-0.1%	$363.3M+5.1%	$345.8M+3.6%	$333.8M+0.1%	$333.6M-5.2%	$352.0M+3.4%	$340.3M+3.3%	$329.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$20.8M-8.4%	$22.8M-23.3%	$29.7M+7.5%	$27.6M+12.0%	$24.7M-3.2%	$25.5M-4.6%	$26.7M+23.5%	$21.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.3M+36.8%	$6.8M0.0%	$6.8M-29.2%	$9.6M0.0%	$9.6M0.0%	$9.6M0.0%	$9.6M0.0%	$9.6M
Total Liabilities	$94.8M+11.2%	$85.3M+7.1%	$79.6M+0.4%	$79.4M-3.0%	$81.8M+1.4%	$80.7M+2.7%	$78.5M+4.0%	$75.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$268.3M-3.5%	$278.0M+4.4%	$266.2M+4.6%	$254.4M+1.0%	$251.8M-7.2%	$271.3M+3.6%	$261.8M+3.1%	$254.0M
Retained Earnings	$267.2M-3.5%	$276.9M+4.3%	$265.4M+4.5%	$253.8M+1.0%	$251.4M-7.0%	$270.2M+3.3%	$261.6M+3.2%	$253.6M

ITIC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$30.9M+3.7%	$29.8M+301.8%	$7.4M-79.5%	$36.2M-30.3%	$51.9M+52.3%	$34.1M
Capital Expenditures	$5.6M-25.2%	$7.4M-19.2%	$9.2M+61.7%	$5.7M-13.1%	$6.5M+104.1%	$3.2M
Free Cash Flow	$25.4M+13.2%	$22.4M+1373.7%	-$1.8M-105.8%	$30.5M-32.8%	$45.4M+46.9%	$30.9M
Investing Cash Flow	-$14.8M-948.5%	$1.7M+126.1%	-$6.7M+76.7%	-$28.7M-417.0%	$9.1M+162.1%	-$14.6M
Financing Cash Flow	-$19.9M+35.6%	-$31.0M-157.9%	-$12.0M-28.9%	-$9.3M+75.2%	-$37.6M-18.4%	-$31.7M
Dividends Paid	$19.9M-33.3%	$29.9M+170.3%	$11.0M+20.3%	$9.2M-75.6%	$37.6M+18.4%	$31.7M
Share Buybacks	$0-100.0%	$1.1M+14.6%	$959K+621.1%	$133K	$0-100.0%	$6K

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$5.0M-70.9%	$17.2M+93.7%	$8.9M+11913.3%	-$75K-100.6%	$12.1M+55.3%	$7.8M-7.3%	$8.4M+486.8%	$1.4M
Capital Expenditures	$1.3M-1.6%	$1.3M-13.4%	$1.6M+16.8%	$1.3M-1.3%	$1.3M-22.2%	$1.7M-17.9%	$2.1M-5.3%	$2.2M
Free Cash Flow	$3.7M-76.8%	$15.8M+116.5%	$7.3M+619.6%	-$1.4M-113.0%	$10.8M+77.4%	$6.1M-3.7%	$6.3M+897.1%	-$793K
Investing Cash Flow	$10.4M+144.8%	-$23.2M-292.7%	-$5.9M-251.9%	$3.9M-72.8%	$14.3M+275.0%	-$8.2M-233.9%	-$2.4M-26.6%	-$1.9M
Financing Cash Flow	-$17.3M-1896.3%	-$868K0.0%	-$868K0.0%	-$868K+96.8%	-$27.3M-3048.6%	-$866K+4.9%	-$911K+52.6%	-$1.9M
Dividends Paid	$17.3M+1896.3%	$868K0.0%	$868K0.0%	$868K-96.8%	$27.3M+3044.8%	$867K+0.1%	$866K-0.1%	$867K
Share Buybacks	$0	$0	$0	$0-100.0%	$1K	$0-100.0%	$45K-95.7%	$1.1M

ITIC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.9%+0.9pp	12.0%+2.4pp	9.7%+1.2pp	8.4%-11.9pp	20.3%+3.7pp	16.7%
Return on Equity	13.1%+0.8pp	12.3%+3.7pp	8.6%-1.3pp	9.9%-19.3pp	29.3%+9.6pp	19.7%
Return on Assets	9.7%+0.4pp	9.3%+2.8pp	6.6%-0.5pp	7.0%-13.2pp	20.2%+6.3pp	13.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.35+0.0	0.32+0.0	0.31-0.1	0.41-0.0	0.45+0.0	0.41
FCF Margin	9.3%+0.6pp	8.7%+9.5pp	-0.8%-11.6pp	10.8%-3.0pp	13.8%+0.7pp	13.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	10.8%-5.9pp	16.7%+0.1pp	16.7%+11.1pp	5.6%-6.2pp	11.8%-1.7pp	13.5%-0.0pp	13.6%+5.1pp	8.5%
Return on Equity	2.8%-1.6pp	4.4%-0.2pp	4.6%+3.4pp	1.3%-2.1pp	3.3%-0.1pp	3.4%+0.0pp	3.4%+1.6pp	1.8%
Return on Assets	2.1%-1.3pp	3.4%-0.2pp	3.5%+2.6pp	0.9%-1.6pp	2.5%-0.1pp	2.6%+0.0pp	2.6%+1.2pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.35+0.0	0.310.0	0.30-0.0	0.31-0.0	0.32+0.0	0.300.0	0.300.0	0.30
FCF Margin	5.3%-16.4pp	21.6%+11.7pp	9.9%+12.4pp	-2.5%-17.8pp	15.3%+6.4pp	8.8%-0.8pp	9.7%+11.1pp	-1.5%

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Frequently Asked Questions

What is Investors Title Co Nc's annual revenue?

Investors Title Co Nc (ITIC) reported $272.8M in total revenue for fiscal year 2025. This represents a 5.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Investors Title Co Nc's revenue growing?

Investors Title Co Nc (ITIC) revenue grew by 5.6% year-over-year, from $258.3M to $272.8M in fiscal year 2025.

Is Investors Title Co Nc profitable?

Yes, Investors Title Co Nc (ITIC) reported a net income of $35.2M in fiscal year 2025, with a net profit margin of 12.9%.

What is Investors Title Co Nc's net profit margin?

Investors Title Co Nc (ITIC) had a net profit margin of 12.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Investors Title Co Nc pay dividends?

Yes, Investors Title Co Nc (ITIC) paid $10.56 per share in dividends during fiscal year 2025.

What is Investors Title Co Nc's return on equity (ROE)?

Investors Title Co Nc (ITIC) has a return on equity of 13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Investors Title Co Nc's free cash flow?

Investors Title Co Nc (ITIC) generated $25.4M in free cash flow during fiscal year 2025. This represents a 13.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Investors Title Co Nc's operating cash flow?

Investors Title Co Nc (ITIC) generated $30.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Investors Title Co Nc's total assets?

Investors Title Co Nc (ITIC) had $363.1M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Investors Title Co Nc's capital expenditures?

Investors Title Co Nc (ITIC) invested $5.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Investors Title Co Nc have outstanding?

Investors Title Co Nc (ITIC) had 2M shares outstanding as of fiscal year 2025.

What is Investors Title Co Nc's debt-to-equity ratio?

Investors Title Co Nc (ITIC) had a debt-to-equity ratio of 0.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Investors Title Co Nc's return on assets (ROA)?

Investors Title Co Nc (ITIC) had a return on assets of 9.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Investors Title Co Nc's Piotroski F-Score?

Investors Title Co Nc (ITIC) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Investors Title Co Nc's earnings high quality?

Investors Title Co Nc (ITIC) has an earnings quality ratio of 0.88x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Investors Title Co Nc?

Investors Title Co Nc (ITIC) scores 57 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.