InsCorp Inc
InsCorp, Inc. operates as a bank holding company for InsBank that provides banking products and services in Tennessee. The company provides money market accounts; interest-bearing and non-interest-bearing deposits; and grants business loans, commercial and industrial loans, consumer loans, multifamily, construction and development, and other loans, as well as provides digital banking services. It… Read more
InsCorp Inc (IBTN) - Net Assets
Latest net assets as of December 2025: $78.02 Million USD
Based on the latest financial reports, InsCorp Inc (IBTN) has net assets worth $78.02 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.05 Billion) and total liabilities ($973.45 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $78.02 Million |
| % of Total Assets | 7.42% |
| Annual Growth Rate | 11.5% |
| 5-Year Change | 41.36% |
| 10-Year Change | 107.93% |
| Growth Volatility | 11.32 |
InsCorp Inc - Net Assets Trend (2014–2025)
This chart illustrates how InsCorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for InsCorp Inc (2014–2025)
The table below shows the annual net assets of InsCorp Inc from 2014 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $78.02 Million | +4.28% |
| 2024-12-31 | $74.82 Million | +7.10% |
| 2023-12-31 | $69.86 Million | +9.42% |
| 2022-12-31 | $63.84 Million | +15.66% |
| 2021-12-31 | $55.20 Million | +8.03% |
| 2020-12-31 | $51.09 Million | +4.28% |
| 2019-12-31 | $49.00 Million | +10.58% |
| 2018-12-31 | $44.31 Million | +9.24% |
| 2017-12-31 | $40.56 Million | +8.09% |
| 2016-12-31 | $37.52 Million | +46.57% |
| 2015-12-31 | $25.60 Million | +8.68% |
| 2014-12-31 | $23.56 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to InsCorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1401.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $50.97 Million | 65.32% |
| Other Components | $27.06 Million | 34.68% |
| Total Equity | $78.02 Million | 100.00% |
InsCorp Inc Competitors by Market Cap
The table below lists competitors of InsCorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Positivo Tecnologia S.A
SA:POSI3
|
$52.44 Million |
|
Thumzup Media Corporation Common Stock
OTCQB:TZUP
|
$52.45 Million |
|
Honey Hope Honesty Enterprise Co Ltd
TWO:8043
|
$52.48 Million |
|
Compañía Industrial El Volcán S.A
SN:VOLCAN
|
$52.49 Million |
|
Skymark Airlines Inc.
F:7SA
|
$52.42 Million |
|
BROWN GRP PLC CONS.
F:BGUA
|
$52.41 Million |
|
Qingling Motors Co. Ltd
PINK:QGLHF
|
$52.40 Million |
|
Kuen Ling Refrigerating Machinery Co Ltd
TWO:4527
|
$52.40 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in InsCorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 74,819,499 to 78,024,000, a change of 3,204,501 (4.3%).
- Net income of 4,384,000 contributed positively to equity growth.
- Other factors decreased equity by 1,179,499.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.38 Million | +5.62% |
| Other Changes | $-1.18 Million | -1.51% |
| Total Change | $- | 4.28% |
Book Value vs Market Value Analysis
This analysis compares InsCorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.96x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.63x to 0.96x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | $15.22 | $24.75 | x |
| 2019-12-31 | $16.69 | $24.75 | x |
| 2020-12-31 | $17.62 | $24.75 | x |
| 2021-12-31 | $19.27 | $24.75 | x |
| 2022-12-31 | $22.09 | $24.75 | x |
| 2023-12-31 | $24.30 | $24.75 | x |
| 2024-12-31 | $25.77 | $24.75 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently InsCorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.62%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.82%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 13.48x
- Recent ROE (5.62%) is below the historical average (9.34%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 8.42% | 17.37% | 0.04x | 11.10x | $-372.15K |
| 2015 | 10.80% | 20.77% | 0.04x | 14.14x | $180.80K |
| 2016 | 7.60% | 19.94% | 0.04x | 10.50x | $-899.40K |
| 2017 | 6.82% | 17.78% | 0.03x | 11.08x | $-1.29 Million |
| 2018 | 9.78% | 24.94% | 0.03x | 11.71x | $-97.82K |
| 2019 | 9.24% | 27.42% | 0.03x | 11.29x | $-372.94K |
| 2020 | 4.76% | 15.51% | 0.03x | 12.08x | $-2.68 Million |
| 2021 | 10.92% | 27.83% | 0.03x | 12.69x | $509.00K |
| 2022 | 16.19% | 37.46% | 0.04x | 11.78x | $3.95 Million |
| 2023 | 12.03% | 33.00% | 0.03x | 11.98x | $1.42 Million |
| 2024 | 9.85% | 28.89% | 0.03x | 12.09x | $-111.95K |
| 2025 | 5.62% | 14.82% | 0.03x | 13.48x | $-3.42 Million |
Industry Comparison
This section compares InsCorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| InsCorp Inc (IBTN) | $78.02 Million | 8.42% | 12.48x | $52.43 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |