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InsCorp (Tennessee)
(OTC:IBTN)
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Rating:56Neutral
Price Target:
$29.00
▲(1.36% Upside)
Action:Reiterated
Date:08/07/26
The score is primarily held back by weaker 2025 fundamentals—especially the sharp decline in operating/free cash flow and margin compression—despite strong multi-year revenue growth and improving leverage. Technicals are mildly constructive with price above key moving averages, and valuation is reasonable with a moderate dividend yield.
Positive Factors
Strong multi-year revenue growth
Revenue has more than doubled since 2020, demonstrating sustained business expansion over multiple years rather than a single-period increase. Continued top-line growth can broaden the company’s operating base and create a foundation for future earnings recovery if profitability stabilizes.
Negative Factors
Sharp margin compression
The steep decline in net margin shows that revenue growth is currently converting into substantially less profit. Persistent margin compression would weaken earnings power, reduce the return available from future sales growth, and make recovery dependent on restoring operating efficiency.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong multi-year revenue growth
Revenue has more than doubled since 2020, demonstrating sustained business expansion over multiple years rather than a single-period increase. Continued top-line growth can broaden the company’s operating base and create a foundation for future earnings recovery if profitability stabilizes.
Read all positive factors
InsCorp (Tennessee) (IBTN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$82.44M
Dividend Yield1.68%
Average Volume (3M)1.41K
Price to Earnings (P/E)17.4
Beta (1Y)0.05
Revenue Growth11.97%
EPS Growth-37.20%
CountryUS
Employees5
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.62
Shares Outstanding2,905,000
10 Day Avg. Volume940
30 Day Avg. Volume1,412
Financial Highlights & Ratios
PEG Ratio-0.45
Price to Book (P/B)1.02
Price to Sales (P/S)1.34
P/FCF Ratio151.99
Enterprise Value/Market Cap1.97
Enterprise Value/Revenue2.57
Enterprise Value/Gross Profit6.32
Enterprise Value/Ebitda35.88
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
InsCorp (Tennessee) Business Overview & Revenue Model
Company Description
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 offerin...
InsCorp (Tennessee) Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 63.01M | 59.40M | 54.52M | 47.75M | 34.89M | 27.35M |
| Gross Profit | 25.64M | 23.80M | 24.81M | 25.15M | 26.92M | 19.82M |
| EBITDA | 4.52M | 4.81M | 9.20M | 11.25M | 13.86M | 8.13M |
| Net Income | 4.70M | 4.38M | 7.37M | 8.40M | 10.34M | 6.03M |
Balance Sheet | ||||||
| Total Assets | 1.08B | 1.05B | 904.47M | 837.09M | 752.02M | 700.40M |
| Cash, Cash Equivalents and Short-Term Investments | 4.90M | 6.61M | 97.82M | 115.61M | 64.32M | 101.51M |
| Total Debt | 82.35M | 66.34M | 69.17M | 71.10M | 106.83M | 55.81M |
| Total Liabilities | 998.42M | 973.45M | 829.65M | 767.23M | 688.18M | 645.20M |
| Stockholders Equity | 81.28M | 78.02M | 74.82M | 69.86M | 63.84M | 55.20M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 522.00K | 8.53M | 12.57M | 11.80M | 7.07M |
| Operating Cash Flow | 0.00 | 1.54M | 8.84M | 12.82M | 12.02M | 7.32M |
| Investing Cash Flow | 0.00 | -120.72M | -83.46M | -51.35M | -119.19M | -37.08M |
| Financing Cash Flow | 0.00 | 140.72M | 60.74M | 72.33M | 40.38M | 78.61M |
InsCorp (Tennessee) Technical Analysis
Negative
28.61
Price Trends
28.42
Negative
27.96
Positive
27.23
Positive
Market Momentum
-0.03
Negative
46.99
Neutral
62.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IBTN, the sentiment is Negative. The current price of 28.61 is above the 20-day moving average (MA) of 28.30, above the 50-day MA of 28.42, and above the 200-day MA of 27.23, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 46.99 is Neutral, neither overbought nor oversold. The STOCH value of 62.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IBTN.
InsCorp (Tennessee) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $94.00M | 10.94 | 9.10% | 4.10% | 4.58% | 26.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $84.83M | 9.90 | 11.53% | 6.75% | 6.21% | 8.32% | |
56 Neutral | $82.44M | 17.44 | 5.91% | 1.68% | 11.97% | -37.20% | |
53 Neutral | $82.51M | 35.91 | 2.22% | 3.97% | -6.91% | ― | |
43 Neutral | $94.64M | 61.26 | 0.96% | 2.84% | -6.12% | ― |
* Financial Sector Average
IBTN
InsCorp (Tennessee)
28.25
0.13
0.47%
AUBN
Auburn National Bancorporation
26.36
0.97
3.80%
SSBI
Summit State Bank
12.21
0.21
1.75%
UBCP
United Bancorp
14.06
0.86
6.55%
FNWB
First Northwest Bancorp
9.85
1.99
25.25%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.