INVESTORS TITLE CO

Listed Company

ITICCIK 0000720858NasdaqAcceleratedTitle InsuranceNorth CarolinaFY ends Dec 31

Period

FY 2025

Revenue

$272.75M

Net Income

$35.18M

Total Assets

$363.14M

Equity

$268.30M

Shares Out

1.89M

Op. Cash Flow

$30.94M

Business

Investors Title Co is a holding company that operates through wholly owned subsidiaries to provide title insurance and related services. It issues residential and commercial primary title insurance and reinsurance, offers tax‑deferred real property exchange services, provides management services to title insurance agencies, and delivers investment management and trust services. The company reports two segments—title insurance underwriting through ITIC and NITIC and exchange services through ITEC and ITAC—with other activities (ITMS, Investors Trust) included in All Other. It is licensed in numerous states, writes primarily in the eastern United States and Texas, and distributes policies directly and through a network of agents, attorneys and institutional channels.

Summary from filing dated 2025-03-17

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net premiums written	213	204	171	249	274
Escrow and other title-related fees	19	18	17	22	14
Non-title services	22	17	19	14	10
Interest and dividends	10	11	9	5	4
Other investment income	3	3	4	4	7
Net realized investment gains (losses)	3	5	3	−11	—
Other	3	947,000	991,000	1	5
Total Revenues	273	258	225	283	329
Commissions to agents	114	107	83	122	143
Provision for claims	5	5	5	4	6
Personnel expenses	72	73	77	85	64
Office and technology expenses	17	18	17	17	13
Other expenses	21	17	16	25	19
Total Operating Expenses	228	219	199	253	245
Income before Income Taxes	45	39	26	30	85
Provision for Income Taxes	9	8	5	6	18
Net Income	35	31	22	24	67
Basic Earnings per Common Share	18.64	16.48	11.45	12.6	35.38
Weighted Average Shares Outstanding Basic	2	2	2	2	2
Diluted Earnings per Common Share	18.57	16.43	11.45	12.59	35.28
Weighted Average Shares Outstanding Diluted	2	2	2	2	2

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	21	25	24	35	37
Fixed maturity securities, available-for-sale, at fair value (amortized cost: December 31, 2025: $116,852; December 31, 2024: $112,588)	118	113	64	54	80
Equity securities, at fair value (cost: December 31, 2025: $28,575; December 31, 2024: $25,980)	41	40	37	52	77
Short-term investments	69	59	110	104	46
Other investments	23	21	17	18	20
Total investments	252	233	229	228	223
Premium and fees receivable	17	16	13	19	23
Accrued interest and dividends	1	1	978,000	872,000	817,000
Prepaid expenses and other receivables	9	7	14	11	12
Property, net	29	28	24	18	13
Goodwill and other intangible assets, net	21	15	16	18	16
Lease assets	8	6	6	7	5
Other assets	3	3	3	2	2
Current income taxes recoverable	2	0	1	1	0
Total Assets	363	334	331	340	331
Reserve for claims	38	37	37	37	—
Accounts payable and accrued liabilities	42	34	32	47	44
Lease liabilities	8	6	6	7	5
Current income taxes payable	0	276,000	0	0	3
Deferred income taxes, net	7	4	4	8	13
Total liabilities	95	82	79	99	102
Commitments and Contingencies	0	0	0	0	0
Preferred stock (1,000 authorized shares; no shares issued)	0	0	0	0	0
Common stock no par value (10,000 authorized shares; 1,888 and 1,886 shares issued and outstanding as of December 31, 2025 and 2024, respectively, excluding in each period 292 shares of common stock held by the Company)	0	0	0	0	0
Retained earnings	267	251	251	241	226
Accumulated other comprehensive income	1	355,000	638,000	200,000	3
Total shareholders equity	268	252	252	241	229
Total Liabilities and Shareholders Equity	363	334	331	340	331

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation	4	3	3	2	2
Accretion of investments, net	−1	−3	−4	271,000	994,000
Amortization of other intangible assets, net	797,000	1	1	1	544,000
Share-based compensation expense related to stock appreciation rights	543,000	394,000	425,000	362,000	299,000
Net gains on disposals of property	−45,000	−221,000	−204,000	−58,000	−4
Net earnings from other investments	−2	−2	−3	−2	−4
Net (gain) loss on sale of other assets	−3	0	0	—	—
Provision for deferred income taxes	3	624,000	−4	−5	5
(Increase) decrease in premium and fees receivable	−1	−3	6	4	−4
(Increase) decrease in other assets	−8	3	621,000	532,000	−9
(Increase) decrease in lease assets	−2	147,000	404,000	−2	−2
Decrease (increase) in current income taxes recoverable	−2	1	93,000	−1	0
Increase (decrease) in lease liabilities	2	−93,000	−10	2	2
Increase (decrease) in accounts payable and accrued liabilities	7	2	−390,000	3	8
(Decrease) increase in current income taxes payable	−276,000	276,000	0	−3	3
Payments of claims, net of recoveries	−4	−5	−5	−4	−3
Net cash provided by (used in) operating activities	31	30	7	36	52
Purchases of fixed maturity securities	−60	−67	−20	−11	0
Purchases of equity securities	−14	−11	−12	−6	−5
Purchases of short-term investments	−101	−116	−175	−102	−34
Purchases of other investments	−4	−6	−3	−2	−7
Purchase of subsidiary	−5	0	0	−5	0
Proceeds from sales and maturities of fixed maturity securities	57	18	11	31	36
Proceeds from sales of equity securities	16	13	30	21	9
Proceeds from sales and maturities of short-term investments	92	170	166	44	3
Proceeds from sales and distributions of other investments	9	7	4	5	6
Purchases of property, equipment and software	−6	−7	−9	−6	−7
Proceeds from disposals of property	515,000	275,000	529,000	26,000	7
Net cash provided by (used in) investing activities	−15	2	−7	−29	9
Repurchases of common stock	0	−1	−959,000	−133,000	0
Dividends paid	−20	−30	−11	−9	−38
Net cash provided by (used in) financing activities	−20	−31	−12	−9	−38
Net Increase (Decrease) in Cash and Cash Equivalents	−4	623,000	−11	−2	23
Income tax payments, net	8	7	9	15	10
Non cash 1031 exchange proceeds receivable	0	0	−3	0	—

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