Investors Title Company (ITIC) investor relations material

Executive summary

• Net income for Q4 2025 was $7.5 million ($3.97 per diluted share), down from $8.4 million ($4.41 per diluted share) year-over-year.

• Full-year 2025 net income rose to $35.2 million ($18.57 per diluted share), up from $31.1 million ($16.43 per diluted share) in 2024.

• Revenues for Q4 2025 decreased 1.6% to $69.5 million, while full-year revenues increased 5.6% to $272.8 million.

Financial highlights

• Q4 2025 revenues declined due to lower net premiums written, partially offset by higher non-title services revenue.

• Full-year 2025 revenues grew, driven by higher net premiums, escrow and title-related fees, and non-title services.

• Q4 operating expenses rose 0.2% to $59.9 million; full-year operating expenses increased 4.3% to $228.2 million.

• Adjusted income before income taxes (non-GAAP) for Q4 was $9.4 million, down from $10.8 million; for the year, it was $41.4 million, up from $34.8 million.

Outlook and guidance

• Management expects continued benefits from investments in operational efficiency and market expansion.

• Cautionary statements highlight risks from real estate cycles, interest rates, regulatory changes, and economic conditions.