InsCorp, Inc. (IBTN) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 17.40 means the share price is 17.40 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $81.9M is the value of all shares combined. Beta 0.19: the stock has moved about 81% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerInsCorp, Inc. (IBTN) trades at $28.18 with MoonshotScore 48/100 (Grade C). Market cap: $81.9M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for IBTN: IBTN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates IBTN against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
IBTN: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
InsCorp, Inc. (IBTN) Financial Services Profile
InsCorp, Inc. operates as the holding company for InsBank, delivering a comprehensive suite of regional banking services across Tennessee since 2000. Its offerings span deposit solutions, diverse loan products, online banking, and treasury management, catering to individual and business clients with a focused community presence.
What Is the Investment Thesis for IBTN?
InsCorp, Inc. operates as a regional bank holding company, InsBank, providing a comprehensive suite of financial services across Tennessee. The company's established presence since 2000 and diversified product offerings, including various deposit solutions and a range of business, consumer, and multifamily loans, position it within the regional banking sector. Key financial metrics include a P/E ratio of 17.40, a profit margin of 7.5%, and a gross margin of 40.3%, reflecting its operational efficiency and profitability. A dividend yield of 1.68% indicates a return to shareholders, while a low beta of 0.19 suggests relatively stable market performance. Growth catalysts for InsCorp, Inc. include potential expansion in its loan portfolio driven by regional economic development in Tennessee, increased adoption of its digital banking services, and the continued growth of its treasury management client base. However, the company is subject to risks inherent in the banking sector, such as interest rate fluctuations, credit quality deterioration, and competitive pressures from larger financial institutions.
Based on FMP financials and quantitative analysis
IBTN Key Highlights
Market Capitalization of $81.9M, indicating its scale as a regional financial institution.
- Price-to-Earnings (P/E) ratio of 17.07, reflecting its valuation relative to its earnings.
- Profit Margin of 7.5%, demonstrating the company's profitability from its core banking operations.
- Gross Margin of 40.3%, showcasing the efficiency of its revenue generation before operating expenses.
- Dividend Yield of 1.68%, providing a return to shareholders based on its current stock price.
Who Are IBTN's Competitors?
IBTN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
| CFFI C&F Financial Corporation | $94.46 | +0.90% | $307M | 915-pillar |
| NECB Northeast Community Bancorp, Inc. | $26.95 | +0.60% | $372M | 915-pillar |
| NWFL Norwood Financial Corp. | $34.50 | +0.23% | $376M | 925-pillar |
| FNLC The First Bancorp, Inc. | $34.71 | -0.94% | $391M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are IBTN's Key Strengths?
Established regional presence and local market expertise in Tennessee since 2000.
- Comprehensive suite of banking products and services, including diverse loan types and treasury management.
- Stable dividend yield of 1.68% and relatively low Beta of 0.19, suggesting lower market volatility.
- Operational efficiency indicated by a 40.3% gross margin.
What Are IBTN's Weaknesses?
Smaller market capitalization of $81.9M, potentially limiting access to capital compared to larger banks.
- Geographic concentration in Tennessee, making it susceptible to regional economic downturns.
- Reliance on traditional banking models, potentially slower adaptation to rapid fintech innovation.
What Could Drive IBTN Stock Higher?
IBTN catalyst: Positive economic growth trends in Tennessee, particularly in urban and suburban areas, could drive increased demand for business and multifamily loans, boosting InsCorp's interest income.
- Successful launch and widespread adoption of new or enhanced digital banking features could attract new customers and improve operational efficiency, expanding market reach.
- Continued expansion of the treasury management client base among small and medium-sized businesses in Tennessee, leading to increased fee income and stronger corporate relationships.
- A favorable interest rate environment, characterized by stable or gradually rising rates, could improve InsCorp's net interest margin, enhancing overall profitability.
What Are the Key Risks for IBTN?
Financial-distress signal — its Altman Z-Score of 0.14 sits in the distress zone (elevated bankruptcy risk).
- Adverse changes in interest rates, such as rapid declines or an inverted yield curve, could compress InsCorp's net interest margin, negatively impacting profitability.
- Deterioration in the credit quality of its loan portfolio, particularly in business or multifamily segments, due to regional economic downturns or specific industry challenges, could lead to increased loan loss provisions.
- Intensified competition from larger national banks, other regional institutions, and agile financial technology (fintech) companies could erode market share and pressure pricing.
- Regulatory changes within the financial services sector, including stricter capital requirements or consumer protection laws, could increase compliance costs and operational burdens for regional banks like InsCorp.
- Cybersecurity breaches or operational failures in its online banking and data systems could result in financial losses, reputational damage, and loss of customer trust.
What Are the Growth Opportunities for IBTN?
- Growth opportunity 1: **Expansion of Multifamily Loan Portfolio**: With ongoing urbanization and population growth in key Tennessee metropolitan areas, there is a sustained demand for multifamily housing developments. InsCorp, Inc. can strategically expand its multifamily loan portfolio by targeting developers and investors engaged in these projects. This involves leveraging its local market knowledge to identify viable projects and offering competitive financing terms, potentially increasing its interest income. The market for commercial real estate lending, particularly in growing regions, presents a significant opportunity for specialized regional banks to deepen their market penetration over the next 3-5 years.
- Growth opportunity 2: **Increased Adoption of Treasury Management Services**: Small and medium-sized businesses (SMBs) are increasingly seeking sophisticated tools to manage their cash flow, payments, and liquidity more efficiently. InsCorp, Inc.'s treasury management services cater directly to this need. By enhancing its sales efforts, offering tailored solutions, and providing robust technological platforms, the company can expand its client base among Tennessee's SMBs. This segment offers opportunities for recurring fee income and deeper client relationships, which can be a stable revenue stream over the long term, potentially growing over the next 2-4 years.
- Growth opportunity 3: **Digital Banking Enhancement and Outreach**: The shift towards digital channels for everyday banking is a persistent trend. InsCorp, Inc. can further invest in and promote its online banking services, including mobile banking apps, online account opening, and digital payment solutions. By offering a seamless and secure digital experience, the bank can attract younger demographics and tech-savvy customers who prioritize convenience. This strategic focus on digital capabilities not only improves customer satisfaction but also reduces operational costs, driving efficiency and market share gains over the next 1-3 years.
- Growth opportunity 4: **Strategic Branch Optimization and Expansion**: While digital banking is growing, a physical presence remains crucial for many banking services, especially in regional markets. InsCorp, Inc. can conduct a strategic review of its branch network to identify underserved areas within Tennessee where a new branch could capture significant market share, or optimize existing branches for greater efficiency and customer experience. This could involve modernizing facilities or relocating branches to higher-traffic areas. Such targeted expansion or optimization could solidify its community presence and attract new customers over a 3-5 year horizon.
- Growth opportunity 5: **Targeted Consumer Lending Initiatives**: Beyond general consumer loans, InsCorp, Inc. can launch targeted lending initiatives for specific consumer segments or product types, such as competitive auto loans, home equity lines of credit (HELOCs), or personal loans with attractive rates. By analyzing local consumer demand and competitor offerings, the bank can carve out niches that offer higher yields or lower risk profiles. These focused campaigns, supported by local marketing, can drive loan growth and diversify its interest income streams, with potential impacts visible within the next 1-2 years.
What Are IBTN's Competitive Advantages?
- Established regional presence and deep local market knowledge in Tennessee since its founding in 2000.
- Comprehensive suite of banking services catering to a wide range of individual and business financial needs.
- Strong, long-standing customer relationships built over two decades within its operating communities.
- Agility and personalized service as a regional bank, differentiating it from larger, more bureaucratic national competitors.
What Does IBTN Do?
Established in 2000 and headquartered in Nashville, Tennessee, InsCorp, Inc. functions as the holding company for its primary subsidiary, InsBank. Through InsBank, the company provides a comprehensive array of banking products and services tailored to the needs of individuals, businesses, and real estate developers throughout Tennessee. Its core offerings include a variety of deposit solutions designed to meet different client needs, such as certificates of deposit (CDs), money market accounts, and both interest-bearing and non-interest-bearing checking and savings accounts. These deposit products form a crucial part of the bank's funding strategy, enabling its lending activities. Beyond deposits, InsCorp, Inc. is a significant provider of financing, extending credit through various loan types. This includes business loans to support local enterprises, consumer loans for individual financial needs, and specialized multifamily loans, catering to the growing real estate sector. The company also offers other credit facilities to ensure a broad spectrum of financial support for its clientele. Recognizing the evolving landscape of financial services, InsCorp, Inc. has invested in modern banking conveniences, providing clients with robust online banking platforms for seamless account management and transactions. Additionally, it offers specialized treasury management services, designed to help businesses optimize their cash flow, manage liquidity, and mitigate financial risks. This suite of services underscores InsCorp, Inc.'s commitment to being a full-service regional bank deeply embedded in the economic fabric of Tennessee.
What Products and Services Does IBTN Offer?
- Operates as a bank holding company for InsBank.
- Provides a comprehensive suite of banking products and services across Tennessee.
- Offers various deposit solutions, including certificates of deposit, money market accounts, and checking/savings accounts.
- Extends financing through business loans to local enterprises.
- Grants consumer loans to individuals for various personal needs.
- Provides specialized multifamily loans for real estate development.
- Offers convenient online banking services for account management.
- Delivers specialized treasury management services to businesses.
How Does IBTN Make Money?
- Generates interest income primarily from its diverse loan portfolio, including business, consumer, and multifamily loans.
- Earns non-interest income through fees for services such as treasury management, online banking, and other banking operations.
- Funds its lending activities through a stable base of customer deposits, including certificates of deposit, money market, and checking/savings accounts.
- Manages interest rate spread between the interest earned on assets (loans) and interest paid on liabilities (deposits).
- Leverages technology to provide efficient online banking services, enhancing customer convenience and reducing operational costs.
What Industry Does IBTN Operate In?
InsCorp, Inc. operates within the highly regulated and competitive regional banking industry, primarily serving the Tennessee market. This sector is characterized by its focus on local communities, personalized customer service, and a deep understanding of regional economic dynamics. Current market trends include an increasing demand for digital banking solutions, consolidation among smaller banks, and sensitivity to interest rate environments set by central banks. InsCorp, Inc., through InsBank, positions itself as a comprehensive financial partner for individuals and businesses, competing with larger national banks, other regional institutions, and local credit unions. Its strategy emphasizes a full suite of services, from traditional deposit and lending products to modern online banking and treasury management, aiming to capture market share by leveraging its established local presence and customer relationships within Tennessee.
Who Are IBTN's Key Customers?
- Individual consumers in Tennessee seeking deposit accounts, consumer loans, and online banking services.
- Small and medium-sized businesses (SMBs) requiring business loans, deposit solutions, and treasury management services.
- Real estate developers and investors focused on multifamily housing projects within Tennessee.
- Local governmental entities and non-profit organizations utilizing specialized financial services.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
Why 48?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 48 |
| 2026-08-26 | 48 |
| 2026-08-29 | 48 |
| 2026-09-01 | 48 |
| 2026-09-04 | 48 |
| 2026-09-07 | 48 |
| 2026-09-10 | 48 |
What changed?
The score has stayed at 48.
Over the same 18 days the stock moved -0.9%.
InsCorp, Inc. (IBTN) Valuation Context
Valued at $81.9M, IBTN is classified as a micro-cap stock. Relative to its peer group, IBTN's quantitative score of 48/100 is below the peer average of 91/100.
IBTN Revenue & Earnings Trend
In Q2 FY2026, IBTN generated $16.6M in top-line revenue, marking a sequential increase of 2.6%. The company recorded net income of $2.2M, with diluted EPS of $0.72. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, IBTN averaged $0.39 in diluted EPS.
Company Profile
InsCorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Nashville, US. The company is led by CEO James H. Rieniets Jr.. IBTN has traded publicly since 2018.
Key Financial Metrics
Return on equity for InsCorp, Inc. stands at 5.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. IBTN trades at a trailing price-to-earnings ratio of 17.40, roughly in line with the Financial Services sector average of ~17.50x. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
InsCorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.14 places it in the distress zone, a signal of elevated financial risk.
IBTN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established regional presence and local market expertise in Tennessee since 2000.
- Comprehensive suite of banking products and services, including diverse loan types and treasury management.
- Stable dividend yield of 1.68% and relatively low Beta of 0.19, suggesting lower market volatility.
- Operational efficiency indicated by a 40.3% gross margin.
Bear Case
- Smaller market capitalization of $81.9M, potentially limiting access to capital compared to larger banks.
- Geographic concentration in Tennessee, making it susceptible to regional economic downturns.
- Reliance on traditional banking models, potentially slower adaptation to rapid fintech innovation.
- Potential: Adverse changes in interest rates, such as rapid declines or an inverted yield curve, could compress InsCorp's net interest margin, negatively impacting profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $17M | $2M | $0.72 |
| Q1 FY2026 | $16M | $2M | $0.63 |
| Q4 FY2025 | $15M | -$2M | -$0.57 |
| Q3 FY2025 | $16M | $2M | $0.79 |
Q2 FY2026 · filed 30 Jun 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
IBTN Latest News
-
InsCorp, Inc. Reports Results for 2Q26
prnewswire.com · Jul 31, 2026
-
Stocks That Hit 52-Week Highs On Wednesday
· Dec 18, 2019
-
11 Banks Outline Their Highest Priorities Right Now
· Apr 1, 2019
IBTN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for IBTN.
Price Targets
Wall Street price target analysis for IBTN.
IBTN MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. IBTN scores 48/100 (Grade C): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
IBTN OTC Market Information
InsCorp, Inc. trades on the 'OTC Other' tier, which is the lowest and most speculative tier of the OTC Markets. Unlike stocks listed on major exchanges like NYSE or NASDAQ, 'OTC Other' companies have minimal reporting requirements, or may not report to the SEC at all. This tier is typically for companies that do not meet the financial or disclosure standards of OTCQX or OTCQB, or for those that choose not to provide public disclosure. Investors often face significant challenges in obtaining reliable and current financial information, which can lead to higher investment risk and difficulty in valuation.
- OTC Tier: OTC Other
- Limited Public Information: The 'Unknown' disclosure status means investors have restricted access to reliable financial statements and operational details, hindering informed decision-making.
- Price Volatility and Manipulation: Low liquidity and minimal oversight can lead to extreme price swings and increased susceptibility to pump-and-dump schemes or other manipulative practices.
- Lack of Analyst Coverage: OTC Other stocks rarely receive coverage from institutional analysts, resulting in less independent research and fewer valuation insights.
- Difficulty in Valuation: Without consistent financial reporting and analyst coverage, accurately valuing the company's stock becomes highly speculative and challenging.
- Exit Strategy Challenges: The low trading volume and limited market interest can make it difficult for investors to sell their shares without significantly impacting the stock price.
- Attempt to locate any available financial statements (annual, quarterly) directly from the company or state regulators.
- Research management's background, experience, and any past regulatory issues or controversies.
- Verify the company's operational existence, physical assets, and customer base through independent means.
- Examine any available news articles, press releases, or public records for insights into company activities and performance.
- Understand the company's business model, revenue generation, and competitive landscape within its regional market.
- Assess the company's capital structure, outstanding shares, and any potential dilution risks.
- Consult with legal counsel regarding the specific risks and regulatory environment of OTC Other securities.
- Established Founding Year: InsCorp, Inc. was founded in 2000, indicating a long operational history.
- Specific Business Description: The company has a clear and defined business model as a regional bank holding company.
- Named CEO: The presence of a named CEO, James H. Rieniets Jr., provides a point of accountability.
- Headquartered in Nashville, US: A defined physical headquarters suggests a tangible operational base.
- Operates a Regulated Entity: As a bank holding company for InsBank, it operates within a regulated financial services sector, implying some level of oversight.
InsCorp, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for IBTN?
IBTN holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Is IBTN a good stock?
Stock Expert AI does not rate IBTN buy, sell or hold. InsCorp, Inc. carries a MoonshotScore of 48/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for IBTN?
InsCorp, Inc. faces several key risks inherent to the regional banking sector. Interest rate risk is significant, as fluctuations in market rates can compress its net interest margin, impacting profitability.
What are the key factors to evaluate for IBTN?
InsCorp, Inc. (IBTN) holds a MoonshotScore of 48/100 (low). P/E: 17.40x vs the S&P 500's ~20-25x. InsCorp, Inc. operates as a regional bank holding company, InsBank, providing a comprehensive suite of financial services across Tennessee. Not financial advice.
How frequently does IBTN data refresh on this page?
IBTN's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven IBTN's recent stock price performance?
InsCorp, Inc. (IBTN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence and local market expertise in Tennessee since 2000. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider IBTN overvalued or undervalued right now?
InsCorp, Inc. (IBTN) trades at 17.40x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of IBTN?
Yes, most major brokerages offer fractional shares of InsCorp, Inc. (IBTN) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track IBTN's earnings and financial reports?
InsCorp, Inc. (IBTN) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for IBTN earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.