Investors Title Company Common Stock (ITIC)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $291.38, Investors Title looks like a conservative specialty insurer priced at a modest premium to accounting net worth. FairStock calculations show P/E 13.66, P/B 1.92, ROE 14.63%, ROCE 8.91%, Piotroski F-Score 5/9, and FairStock Score 53/100. Debt is almost absent, with D/E of 0.03, and beta of 0.61 suggests a defensive pattern. The filed numbers show improvement in fiscal Q2 2026, the quarter ended 2026-06-30: net income was $14.6M and diluted EPS was $7.73, versus $12.3M and $6.48 in fiscal Q2 2025, the quarter ended 2025-06-30. Filed revenue was $11.1M in fiscal Q2 2026, compared with $11.2M in fiscal Q2 2025. For FY2025, the year ended 2025-12-31, revenue was $40.9M, net income $35.2M, and diluted EPS $18.57, up from FY2024, the year ended 2024-12-31, revenue $35.1M, net income $31.1M, and diluted EPS $16.43. Yet the FairStock Lynch category is SLOW GROWER — Shrinking: profit -2.3% a year over five years, revenue 19.2%; revenue growth is -1.34% and profit growth is -10.11%. Title insurance is cyclical and tied to real estate transactions and claims, so underwriting discipline matters. Low leverage is a real strength, but I do not have CET1, NIM, or combined ratio in the data. At 1.92 times book with a 14.63% ROE, the stock is not obviously expensive, but it also is not offering a clear margin of safety. I would want evidence of durable underwriting profits and a return to growth before treating it as compelling.

In plain English: Investors Title sells title insurance for homes and commercial property, plus exchange services. Profits have been uneven: the latest filed quarter was better than a year earlier, but longer-term growth is slow and sales have slipped. At $291.38, the shares look roughly fairly priced against earnings and net worth, not a clear bargain, with low debt but limited growth.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer