Updated
The most significant concentration Investors Title discloses is North Carolina at 35.3%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Investors Title’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'North Carolina, Texas, Georgia, South Carolina, and Florida markets for a significant portion of its premiums ... these states represented 35.3%, 27.1%, 8.6%, 8.1%, and 6.4% of total premiums written by the Company, respectively'”
“10-K Item 1A: 'North Carolina, Texas, Georgia, South Carolina, and Florida markets for a significant portion of its premiums ... these states represented 35.3%, 27.1%, 8.6%, 8.1%, and 6.4% of total premiums written by the Company, respectively'”
Investors Title's concentration risk is geographic, tied to the states that generate the bulk of its title insurance premiums. North Carolina alone represented 35.3% of total premiums written, and Texas added another 27.1% — together well over half of the book concentrated in just two states. Both are structural exposures rather than counterparty-specific dependencies: the risk is tied to regional real estate market cycles, housing turnover, and state-level regulatory or economic conditions rather than to any single customer or supplier relationship. With both bands at MEDIUM, neither state individually represents an extreme concentration, but the combination means Investors Title's premium volume, and by extension its earnings, is meaningfully sensitive to the health of real estate transaction activity in North Carolina and Texas specifically. A downturn in either state's housing or commercial property market, whether from higher rates, oversupply, or a regional economic slowdown, would disproportionately affect the company relative to a title insurer with a more even geographic spread. This concentration is well-disclosed in the most recent 10-K and is the primary lens through which to read regional real estate conditions when assessing this name.
For the engine’s reasoning on ITIC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ESNT | Essent Group Ltd. | 1 | 0 | 1 | 2 |
| EIG | Employers Holdings Inc | 0 | 2 | 1 | 3 |
| ITIC● | Investors Title Company | 0 | 2 | 0 | 2 |
| AXS | Axis Capital Holdings Limited | 0 | 1 | 4 | 5 |
| ACT | Enact Holdings, Inc. | 0 | 1 | 1 | 2 |
| AGO | Assured Guaranty Ltd. | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.