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InsCorp, Inc. (IBTN)

USD28.14 +0.07 (+0.25%)
US OTC Financial Services Banks - Regional
Address 2106 Crestmoor Road 37215
Nashville, TN, US
CEO James H. Rieniets Jr.
IPO 2018-03-14
CIK 1379329 ISIN US45770Q1058

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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 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD28.14 +0.07 (+0.25%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.4K
Beta
0.19
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.30% +3.23% +3.23% -3.92% -1.81% +16.24% +43.38% +61.90% +109.07% +109.07%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
28.14
DCF (Unlevered) 23.91 -15.0%
DCF (Levered) 24.27 -13.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
-0.81
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +9.0% Q1'26: +14.5% (vs Q1'25)
  • EPS growth
    -37.8% Q1'26: +10.5% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +14.5% (vs Q1'25)
  • ROIC
    Q1'26: +6.4% (vs Q1'25)
  • Share dilution
    -4.5% Q1'26: +3.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 7.06× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.18) × ERP
WACC = 54% × Ke + 46% × Kd (45.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 23.91 Current price: 28.14
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B- 3/5 4/5 2/5 2/5 2/5 2/5 3/5
2026-05-27 B- 3/5 4/5 2/5 2/5 2/5 2/5 3/5
2026-05-26 B- 3/5 4/5 2/5 2/5 2/5 2/5 3/5
2026-05-15 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-14 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-13 B- 2/5 3/5 2/5 2/5 2/5 2/5 3/5
2026-05-12 B- 2/5 3/5 2/5 2/5 2/5 2/5 3/5
2026-05-11 B- 2/5 3/5 2/5 2/5 2/5 2/5 3/5
2026-05-08 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-06 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-05 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-04 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-01 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-30 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-29 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-28 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-27 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-24 B 3/5 4/5 2/5 3/5 2/5 2/5 3/5
2026-04-23 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-22 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-20 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.42M
OE per share TTM
0.83
Owner's Yield
3.06%
Maintenance CapEx ratio
29.58%
Maint CapEx / Avg PPE
33.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
842.0K
Shares Outstanding
2.91M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2021-11-03 D
2019-01-14 D
2016-06-24 D
2007-07-05 REGDEX/A
2006-10-17 REGDEX

Executive team

NameTitleCompensationGender
Andrew T. Smith Senior Vice President & Chief Deposit Officer male
Blake Wilson Senior Vice President & President of Medquity Banking Division male
Ellis Simmons Senior Vice President of Commercial Lender male
J. Scott Gupton Executive Vice President, Chief Operating Officer & Information Security Officer male
James H. Rieniets Jr. Chairman, President & Chief Executive Officer male
Patrick Wright Senior Vice President of Commercial Lender male
Peyton Nicholson Green Executive Vice President & Chief Financial Officer male
Philip C. Fons Executive Vice President, Chief Credit Officer & CRA Officer male
R. Chad Hankins Executive Vice President & Chief Lending Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits