Operates as a bank holding company for InsBank. Provides a comprehensive suite of banking products and services across Tennessee. Now — the numbers.
This is an established company with proven profits.
Average growth of 21% a year over the last 4 years. Every year shown ended in profit.
The market pays 18.7× for every dollar of annual profit — around what a business like this usually costs.
No analyst target is on record for this company.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 4 years, sales grew about 21% a year on average.
It pays out $0.47 per share each year — regular cash for whoever holds the stock.
The price action doesn’t yet back an upward turn.
Against everything we grade, IBTN lands near the bottom. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: IBTN does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.