InsCorp (Tennessee) stock analysis
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InsCorp (Tennessee) (IBTN) Stock Price & Analysis
IBTN Stock Chart & Stats
- Day’s Range
- $28.00 - $28.10
- 52-Week Range
- $25.49 - $31.40
- Previous Close
- $28.00
- Volume
- N/A
- Average Volume (3M)
- 688
- Market Cap
- $81.34M
- Enterprise Value
- $167.73M
- Total Cash (Recent Filing)
- $4.90M
- Total Debt (Recent Filing)
- $82.35M
- Price to Earnings (P/E)
- 17.6
- Beta
- 0.05
- Next Earnings
- Jan 22, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Nov 13, 2026
- Dividend Yield
- 1.71%
Bulls Say, Bears Say
Bulls Say
Multi-year Revenue Growth
The substantial increase in revenue over five years indicates that the company has expanded its business base and maintained demand for its insurance-related offerings. Continued top-line scale can support operating investment and provide a foundation for rebuilding profitability over the next several quarters.
Improving Leverage And Equity Base
Lower leverage and concurrent equity growth improve balance-sheet resilience compared with prior years. This gives the company greater financial flexibility to absorb earnings volatility, support its insurance operations, and pursue measured growth without relying as heavily on debt financing.
Demonstrated Prior Cash Generation
Strong cash generation in the two years before 2025 demonstrates that the business has previously converted earnings into internal funding. Although the latest deterioration is a concern, this operating history provides evidence of an underlying capacity to generate cash if profitability and conversion recover.
Bears Say
Sharp Cash-flow Deterioration
The sharp 2025 reduction in operating and free cash flow weakens the company’s ability to fund operations, capital needs, and shareholder returns internally. Free cash flow covering only about 34% of net income signals materially weaker cash conversion and reduces financial flexibility.
Margin Compression
The sustained step-down in net margin shows that revenue growth is producing substantially less profit than in earlier periods. If the weaker margin structure persists, earnings growth will remain constrained and the company may have less capacity to reinvest or strengthen cash generation.
Lower Returns And Earnings Growth
The decline in return on equity, together with sharply negative EPS growth, indicates weaker earnings productivity from the company’s capital base. This reduces the effectiveness of retained capital and raises the challenge of restoring shareholder returns while the business continues expanding revenue.
IBTN FAQ
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InsCorp (Tennessee) Stock Smart Score
Company Description
InsCorp (Tennessee)
Established in 2000 and based in Nashville, Tennessee, InsCorp, Inc. serves as the holding company for InsBank. Through its subsidiary, the company provides a comprehensive suite of banking products and services throughout Tennessee. These offerings include various deposit solutions such as certificates of deposit, money market accounts, and both interest-bearing and non-interest-bearing accounts. InsCorp also extends financing through business, consumer, and multifamily loans, among other credit facilities. Furthermore, it offers clients convenient online banking and specialized treasury management services.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- James H. Rieniets Jr.
- Employees
- 5
- Website
- insbank.com
- Address
- 2106 Crestmoor Road, Nashville, TN, 37215, US
InsCorp (Tennessee) (IBTN) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 3 | 12 |
| Technical Analysis | 5 | 3 | 2 |
| Moving Averages | 2 | 0 | 10 |

