Stock fact sheet · data as of
InsCorp, Inc. (IBTN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is IBTN undervalued?
At 28.25 (close of 16 Oct 2026), IBTN trades 102% over the GLS average fair value of 14.00, with 1 of 9 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
There is a wide gap between Payback Time (3.44) and Graham Number (31.90). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files IBTN under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for IBTN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 23.99 | -15% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 31.90 | +13% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 26.09 | -8% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.47 | -77% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.73 | -83% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 4.49 | -84% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 3.44 | -88% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 6.92 | -76% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 17.97 | -36% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -311.18 | -1202% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
InsCorp, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.3/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 3.0%, ROE 5.6%, ROA 0.4% - with debt at 0.85 times equity and negative free cash flow.
The dividend yield is 1.66% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 3.0% |
|---|---|---|---|
| GLS Moat | 4.3 / 10 | ROE | 5.6% |
| Debt / equity | 0.85 | ROA | 0.4% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 24: No options
No options are listed on InsCorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 24) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $82M, with a beta of 0.18 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -102% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 6 / 15 | moat 4.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $82M cap, beta 0.18 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for IBTN in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to InsCorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FBSI First Bancshares, Inc. | 34.01 | 81.61 | +58% | 39No options | $82M |
| CPBI Central Plains Bancshares, Inc. Common Stock | 19.79 | 37.21 | +47% | 39No options | $83M |
| FDVA Freedom Financial Holdings, Inc. | 11.62 | 3.58 | -224% | 17No options | $83M |
| FSEA First Seacoast Bancorp | 17.25 | 0.4409 | -3813% | 22No options | $81M |
| CZNL Citizens National Corporation | 85.00 | 69.68 | -22% | 30No options | $83M |
| SSBI Summit State Bank | 12.28 | 13.46 | +9% | 39No options | $83M |
| CYFL Century Financial Corporation | 48.92 | 135.06 | +64% | 39No options | $81M |
| UBCP United Bancorp, Inc. | 14.00 | 21.86 | +36% | 39No options | $80M |
| FBTT First Bankers Trustshares, Inc. | 26.47 | 37.87 | +30% | 39No options | $79M |
| SVBT SVB & T Corporation | 71.75 | 130.47 | +45% | 39No options | $79M |
| JUVF Juniata Valley Financial Corp. | 15.60 | 26.65 | +41% | 39No options | $79M |
| SLRK Solera National Bancorp, Inc. | 20.00 | 67.18 | +70% | 39No options | $86M |
⚖ Compare IBTN with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about IBTN
Is IBTN undervalued right now?
No: at 28.25 the stock trades 102% above the GLS average fair value of 14.00 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of IBTN and what does it mean?
IBTN has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for IBTN?
14.00 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does InsCorp, Inc. report earnings next?
No upcoming earnings date is recorded for IBTN in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does IBTN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on IBTN, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.