Midland States Bancorp, Inc. (MSBI)

NMS – Real Time Price. Currency in USD

33.69

+0.34 (1.02%)

Market open: Aug 12, 2026, 1:19 PM EDT

33.35

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 33.605$
Day's range: 33.42 - 33.67$
52-week range: 14.24 - 35.1$
Volume: 9 317
Average volume: 160 272
Beta: 0.28
EPS (TTM): 1.56
PE ratio (TTM): 21.58
Forward P/E: 10.05
Market cap: 697 374 673
Shares outstanding: 20 752 110
Dividend yield: $3.84 (3.84%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production faci... read more

CEO: Jeffrey Ludwig
Country: United States
IPO Date: 2016-05-24
Employees: 861
Fiscal Year End: January - December
Website: https://www.midlandsb.com

Revenue Breakdown

Banking / 94.42%

Wealth Management / 9.52%

Corporate Segment / -3.95%

News

No Data

There are no news for this stock.

Chart: MSBI

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Overall Score

4.4 / 1044%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $353.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.6) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $29.2M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.07	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.62	0.05	7.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	379M	532M	559M	453M	435M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	130M	88M	55M	40M	59M
Net Income	98M	61M	38M	-125M	42M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	30.93	0.44	10
Net margin %	23.36	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	26.33	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	-0.59	1.46	1.0
ROE	-5.92	14.94	1.0
ROIC	-3.93	0.00	1.0
ROCE	N/A	0.00	1.0
Weighted average score			1.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	3.05	270	7.0
Next quarter	-2.7	463.33	5.5
Current year	1.73	154.46	6.5
Next year	0.61	1.67	2.5
Weighted average score			5.4

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	3.51	7.79	10.81	78.6	6.8
Y/Y	-7.82	64.16	86.36	4.72	6.3
3y average	8.85	-169.45	-216.61	12.28	3.8
5y average	10.06	-45.08	-71.11	17.92	4.5
Weighted average score					5.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	21.15	11.16	3.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.45	3.37	5.2
P/B	1.50	1.53	5.6
Weighted average score			3.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR2.61%

FCF 5 year CAGR4

Fair value68.17$

Stock price33.695$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	7.00	7.00	10
Payout ratio	48.76	48.76	8.0
5-year dividend growth rate	3.32	3.32	5.0
Years of dividend increase	2.00	2.00	3.0
Weighted average score			6.5

Fair Value

$68.17

UndervaluedStock priceOvervalued

$33.695

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Jeffrey Ludwig

Country

United States

IPO Date

2016-05-24

Employees

861

Fiscal Year End

January - December

Website

https://www.midlandsb.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.07

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.62

0.05

7.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

379M

532M

559M

453M

435M

Gross Profit

N/A

Operating Income

130M

88M

55M

40M

59M

Net Income

98M

61M

38M

-125M

42M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

30.93

0.44

Net margin %

23.36

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

26.33

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

-0.59

1.46

1.0

ROE

-5.92

14.94

1.0

ROIC

-3.93

0.00

1.0

ROCE

N/A

0.00

1.0

Weighted average score

1.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

3.05

270

7.0

Next quarter

-2.7

463.33

5.5

Current year

1.73

154.46

6.5

Next year

0.61

1.67

2.5

Weighted average score

5.4

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.51

7.79

10.81

78.6

6.8

Y/Y

-7.82

64.16

86.36

4.72

6.3

3y average

8.85

-169.45

-216.61

12.28

3.8

5y average

10.06

-45.08

-71.11

17.92

4.5

Weighted average score

5.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

21.15

11.16

3.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.45

3.37

5.2

P/B

1.50

1.53

5.6

Weighted average score

3.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

7.00

Payout ratio

48.76

8.0

5-year dividend growth rate

3.32

5.0

Years of dividend increase

2.00

3.0

Weighted average score

6.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Midland States Bancorp, Inc. (MSBI)

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Midland States Bancorp, Inc. (MSBI)

Stock details

About the company

Revenue Breakdown

News

Chart: MSBI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$68.17

$33.695

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: MSBI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$68.17

$33.695

Economic Moat