1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
InsCorp, Inc.

InsCorp, Inc.

IBTN
InsCorp, Inc.US flagOther OTC
26.67
USD
- -
- -
77.48MMarket Cap

Income Statement (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
6
7
9
12
14
16
17
17
16
22
28
25
26
30
+ Sales & Services Revenue
6
7
9
12
14
16
17
17
16
22
28
25
26
30
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
-4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
3
3
4
5
6
6
7
6
7
8
9
10
11
14
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-3
-3
-4
-5
-6
-6
-7
-6
-7
-8
-9
-10
-11
-14
Operating Income (Loss)
- -
- -
- -
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
-2
-3
-3
- -
-4
-5
-6
-6
-3
-8
-13
-11
-9
-4
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-2
-3
-3
- -
-4
-5
-6
-6
-3
-8
-13
-11
-9
-4
Pretax Income
2
3
3
4
4
5
6
6
3
8
13
11
9
4
- Income Tax Expense (Benefit)
- -
1
1
1
1
2
1
1
1
2
3
2
2
- -
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
2
2
2
2
3
3
4
5
2
6
10
8
7
4
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
2
2
2
2
3
3
4
5
2
6
10
8
7
4
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
2
2
2
2
3
3
4
5
2
6
10
8
7
4
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
2
2
2
2
3
3
4
5
2
6
10
8
7
4
EBIT
- -
- -
- -
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
- -
- -
- -
4
- -
- -
1
1
1
1
1
1
1
1
EBITDA Margin (%)
- -
3.86
2.31
30.56
1.96
3.19
3.07
3.32
3.4
2.49
2
2.24
2.26
2.04
EBITA
- -
- -
- -
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
- -
- -
- -
30.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
26.34
22.4
21.88
19.6
19.94
17.78
24.94
27.42
15.51
27.83
37.46
33
28.89
14.82
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
0.07
0.1
- -
0.14
0.18
0.2
0.2
- -
0.24
0.43
0.35
0.42
0.45
Depreciation Expense
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
3
3
3
- -
2
3
3
3
3
3
3
3
3
3
Basic EPS, GAAP
0.57
0.56
0.68
- -
1.17
0.97
1.49
1.55
0.83
2.07
3.59
2.92
2.55
1.52
Basic EPS from Cont Ops
0.57
0.56
0.68
- -
1.2
0.97
1.49
1.55
0.83
2.07
3.59
2.92
2.55
1.52
Diluted Weighted Avg Shares
3
3
3
- -
2
3
3
3
3
3
3
3
3
3
Diluted EPS, GAAP
0.57
0.56
0.68
- -
1.13
0.93
1.44
1.5
0.81
2.01
3.51
2.85
2.46
1.47
Diluted EPS from Cont Ops
0.57
0.56
0.68
- -
1.15
0.93
1.44
1.5
0.81
2.01
3.51
2.85
2.46
1.47

Balance Sheet (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
24
37
29
41
37
42
54
54
55
102
64
116
98
123
+ Cash & Cash Equivalents
24
20
15
21
17
22
31
33
37
78
24
57
41
63
+ ST Investments
- -
17
14
20
20
20
23
21
18
23
41
58
56
60
+ Accounts & Notes Receiv
- -
1
1
- -
1
1
2
2
2
2
2
3
4
13
+ Accounts Receivable, Net
- -
1
1
- -
1
1
2
2
2
2
2
3
4
4
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
8
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-24
-37
-30
-41
-38
-43
-55
-55
-57
-103
-67
-119
-102
-135
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
- -
5
5
- -
14
14
14
14
14
13
13
13
12
13
+ Property, Plant & Equip
- -
6
7
- -
16
16
17
17
18
18
18
18
19
20
- Accumulated Depreciation
- -
1
1
- -
2
2
3
3
4
4
5
5
6
7
+ LT Investments & Receivables
19
18
14
20
20
20
23
21
18
23
41
58
62
80
+ LT Investments
19
18
14
20
20
20
23
21
18
23
41
58
62
80
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-19
-23
-20
-20
-33
-34
-37
-35
-32
-36
-54
-71
-75
-93
+ Total Intangible Assets
1
1
1
1
1
1
1
1
1
1
1
1
1
1
+ Goodwill
- -
1
1
1
1
1
1
1
1
1
1
1
1
1
+ Other Intangible Assets
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-20
-24
-21
-21
-35
-35
-38
-36
-33
-38
-55
-72
-76
-94
Total Assets
206
225
262
320
394
449
519
553
617
700
752
837
904
1,051
+ Payables & Accruals
- -
- -
- -
- -
- -
1
1
1
1
- -
1
5
5
5
+ Accounts Payable
- -
- -
- -
- -
- -
1
1
1
1
- -
1
5
5
5
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
48
29
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
48
29
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
- -
- -
- -
- -
-1
-1
-1
-1
- -
-1
-5
-53
-34
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
- -
- -
-1
-1
-1
-1
- -
-1
-5
-53
-34
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
34
34
38
35
45
49
60
64
65
52
92
71
21
37
+ LT Borrowings
34
34
38
35
45
49
60
64
65
52
92
71
21
37
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
-34
-34
-38
-35
-45
-49
-60
-64
-65
-52
-92
-71
-21
-37
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-34
-34
-38
-35
-45
-49
-60
-64
-65
-52
-92
-71
-21
-37
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
185
204
238
294
356
409
475
504
566
645
688
767
830
973
+ Preferred Equity and Hybrid Capital
3
3
3
3
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
17
17
17
17
30
61
61
31
31
29
29
29
29
29
+ Common Stock
17
17
17
17
30
31
31
31
31
29
29
29
29
29
+ Additional Paid in Capital
- -
- -
- -
- -
- -
31
31
- -
- -
- -
- -
- -
- -
- -
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
- -
2
3
5
8
10
14
18
20
26
35
42
48
51
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
-1
-2
-2
Equity Before Minority Interest
21
22
24
26
38
41
44
49
51
55
64
70
75
78
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
21
22
24
26
38
41
44
49
51
55
64
70
75
78
Total Liabilities & Equity
206
225
262
320
394
449
519
553
617
700
752
837
904
1,051
Shares Outstanding
3
3
3
- -
- -
- -
3
3
3
3
3
3
3
3
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Debt
10
14
23
14
28
27
29
31
28
-27
68
14
28
3
Net Debt to Equity
48.83
64.28
98.85
53.36
74.84
65.82
65.85
63.76
55.63
-48.22
106.97
19.54
37.12
3.93
Tangible Common Equity Ratio
7.86
7.77
7.42
6.71
9.24
8.77
8.35
8.67
8.12
7.74
8.36
8.23
8.16
7.32
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
- -
2
2
- -
3
3
4
5
2
6
10
8
7
4
+ Depreciation & Amortization
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
1
1
+ Non-Cash Items
- -
- -
- -
- -
1
1
1
- -
2
2
1
-1
-1
-3
+ Stock-Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
- -
-8
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
- -
- -
- -
- -
1
1
1
- -
2
2
- -
- -
-1
5
+ Chg in Non-Cash Work Cap
- -
-1
-1
- -
-4
6
3
1
-1
-1
- -
5
1
- -
+ (Inc) Dec in Accts Receiv
- -
- -
- -
- -
-1
- -
1
-1
-3
- -
-4
- -
2
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
- -
-1
- -
- -
-1
1
- -
1
2
-1
4
4
-1
-1
+ Inc (Dec) in Other
- -
- -
-2
- -
-2
6
2
1
- -
- -
- -
- -
- -
- -
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
- -
1
1
- -
- -
10
9
6
4
7
12
13
8
2
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
- -
- -
-6
- -
-1
- -
- -
- -
- -
- -
- -
-1
+ Acq of Fixed Prod Assets
- -
- -
- -
- -
-6
- -
-1
- -
- -
- -
- -
- -
- -
-1
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
12
- -
- -
- -
-1
-2
- -
-1
-1
-1
+ Increase in Capital Stock
- -
- -
- -
- -
12
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
-1
-2
- -
-1
-1
-1
+ Net Change in LT Investment
- -
- -
4
- -
- -
-1
-3
2
3
-5
-21
-18
1
-16
+ Dec in LT Investment
- -
5
8
- -
11
6
5
7
11
9
6
7
17
19
+ Inc in LT Investment
- -
-5
-4
- -
-11
-7
-8
-5
-8
-14
-27
-25
-15
-35
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
-24
-43
- -
-70
-57
-61
-34
-57
-31
-98
-34
-83
-104
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
- -
-24
-40
- -
-76
-58
-65
-32
-54
-37
-119
-51
-82
-121
+ Dividends Paid
- -
- -
- -
- -
- -
-1
-1
-1
- -
-1
-1
-1
-1
-1
+ Net Cash From Debt
- -
- -
4
- -
5
3
11
4
19
-13
40
-21
-2
-3
+ Cash From Debt
- -
- -
5
- -
10
20
24
22
40
21
45
46
- -
22
+ Repayments of Debt
- -
- -
-1
- -
-5
-16
-13
-18
-21
-34
-5
-67
-2
-25
+ Other Financing Activities
- -
19
30
- -
55
49
54
25
40
95
2
95
65
146
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
- -
19
34
- -
72
52
65
28
59
79
40
72
61
141
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
- -
-4
-5
- -
-4
5
9
2
9
49
-67
34
-14
22
EBITDA
- -
- -
- -
4
- -
- -
1
1
1
1
1
1
1
1
EBITDA Margin (%)
- -
3.86
2.31
30.56
1.96
3.19
3.07
3.32
3.4
2.49
2
2.24
2.26
2.04
Free Cash Flow
- -
1
1
- -
-6
10
8
6
4
7
12
13
7
1
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
- -
1
1
- -
-6
10
8
6
4
7
12
13
7
- -
Free Cash Flow to Equity
- -
1
5
- -
-4
13
19
10
23
-6
52
-8
5
-2
Free Cash Flow per Basic Share
- -
0.4
0.23
- -
-2.62
3.55
2.66
1.91
1.26
2.42
4.1
4.37
2.54
0.18
Price/Free Cash Flow
- -
- -
- -
- -
6.2
4.69
4.7
8.59
10.91
7.51
5.35
4.74
9.42
32.49
Cash Flow to Net Income
- -
0.77
0.59
- -
0.03
3.79
2.01
1.3
1.59
1.21
1.16
1.53
1.04
0.35
Capital Expenditures
- -
- -
- -
- -
-6
- -
-1
- -
- -
- -
- -
- -
- -
-1