Financhill
Buy
52

MSBI Quote, Financials, Valuation and Earnings

Last price:
$23.55
Seasonality move :
-4.16%
Day range:
$23.00 - $23.67
52-week range:
$14.24 - $24.57
Dividend yield:
5.37%
P/E ratio:
8.85x
P/S ratio:
1.14x
P/B ratio:
0.89x
Volume:
160.7K
Avg. volume:
170.7K
1-year change:
19.64%
Market cap:
$500.5M
Revenue:
$453M
EPS (TTM):
-$6.14

Analysts' Opinion

  • Consensus Rating
    Midland States Bancorp, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 5 Hold ratings, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $23.13, Midland States Bancorp, Inc. has an estimated downside of -2.18% from its current price of $23.64.
  • Price Target Upside
    According to analysts, the highest upside price target is $25.50 representing -100% upside increase from its current price of $23.64.

Fair Value

  • According to the consensus of 5 analysts, Midland States Bancorp, Inc. has -2.18% downside to fair value with a price target of $23.13 per share.

MSBI vs. S&P 500

  • Over the past 5 trading days, Midland States Bancorp, Inc. has overperformed the S&P 500 by 2.26% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Midland States Bancorp, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Midland States Bancorp, Inc. revenues have been falling on a year-over-year basis for 4 quarters in a row. In the most recent quarter Midland States Bancorp, Inc. reported revenues of $95.9M.

Earnings Growth

  • Midland States Bancorp, Inc. earnings have been falling on a year-over-year basis for 5 quarters in a row. In the most recent quarter Midland States Bancorp, Inc. reported earnings per share of -$0.24.
Enterprise value:
932.5M
EV / Invested capital:
0.93x
Price / LTM sales:
1.14x
EV / EBIT:
25.76x
EV / Revenue:
2.06x
PEG ratio (5yr expected):
--
EV / Free cash flow:
3.92x
Price / Operating cash flow:
2.10x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
-1.77%
Net Income Margin (TTM):
-27.52%
Return On Equity:
-20.74%
Return On Invested Capital:
-10.94%
Operating Margin:
-3.39%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $531.4M $616.3M $453M $191.3M $95.9M
Gross Profit -- -- -- -- --
Operating Income $88M $83.5M $39.1M -$2.3M -$3.2M
EBITDA -- -- -- -- --
Diluted EPS $2.64 $2.66 -$6.14 -$0.15 -$0.24
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $714.2M $177.4M $178.3M $145M $128.4M
Total Assets $7.5B $7.9B $7.8B $7.5B $6.5B
Current Liabilities $3.2B $3.6B $5B $5.6B $4.2B
Total Liabilities $6.8B $7.1B $7.1B $6.8B $5.9B
Total Equity $663.8M $758.6M $715.1M $710.8M $565.5M
Total Debt $507.2M $616.7M $629.5M $395.3M $371.9M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $135.1M $164.1M $245.3M $46.5M $80M
Cash From Investing -$315.1M $80.4M $461.6M -$2.1M $145.2M
Cash From Financing $52.4M -$318.6M -$662.7M -$47.1M -$235.7M
Free Cash Flow $78M $158.3M $238M $44.4M $78.6M
MSBI
Sector
Market Cap
$500.5M
$550.3M
Price % of 52-Week High
96.23%
91.53%
Dividend Yield
5.37%
1.43%
Shareholder Yield
12.55%
2.97%
1-Year Price Total Return
19.64%
9.09%
Beta (5-Year)
0.664
0.446
Dividend yield:
5.37%
Annualized payout:
$1.26
Payout ratio:
134.45%
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $23.28
200-day SMA
Buy
Level $18.57
Bollinger Bands (100)
Buy
Level 16.31 - 22.51
Chaikin Money Flow
Buy
Level 731.4K
20-day SMA
Buy
Level $23.29
Relative Strength Index (RSI14)
Buy
Level 60.82
ADX Line
Buy
Level 23.13
Williams %R
Neutral
Level -35.6732
50-day SMA
Buy
Level $22.33
MACD (12, 26)
Buy
Level 0.35
25-day Aroon Oscillator
Buy
Level 16
On Balance Volume
Neutral
Level 9.8M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.5952)
Sell
CA Score (Annual)
Level (-2.2948)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (3)
Sell
Ohlson Score
Level (5.1547)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (3)
Sell
Fundamental Score
Level (4)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Midland States Bancorp, Inc. is a bank holding company, which engages in the provision of commercial and consumer banking products and services. It operates through the following segments: Banking, Wealth Management, and Corporate. The Banking segment offers financial products and services such as loans, mortgage loan sales and servicing, letters of credit, deposit products, merchant services, and corporate treasury management services. The Wealth Management segment consists of trust and fiduciary services, brokerage, and retirement planning services. The Corporate segment refers to the holding company financing and investment activities, administrative expenses, as well as the elimination of intercompany transactions. The company was founded in 1988 and is headquartered in Effingham, IL.

Stock Forecast FAQ

In the current month, MSBI has received 0 Buy ratings 5 Hold ratings, and 0 Sell ratings. The MSBI average analyst price target in the past 3 months is $23.13.

  • Where Will Midland States Bancorp, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Midland States Bancorp, Inc. share price will drop to $23.13 per share over the next 12 months.

  • What Do Analysts Say About Midland States Bancorp, Inc.?

    Analysts are divided on their view about Midland States Bancorp, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Midland States Bancorp, Inc. is a Sell and believe this share price will rise from its current level to $19.00.

  • What Is Midland States Bancorp, Inc.'s Price Target?

    The price target for Midland States Bancorp, Inc. over the next 1-year time period is forecast to be $23.13 according to 5 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 5 analysts rate the stock a Hold.

  • Is MSBI A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Midland States Bancorp, Inc. is a Hold. 5 of 5 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of MSBI?

    You can purchase shares of Midland States Bancorp, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Midland States Bancorp, Inc. shares.

  • What Is The Midland States Bancorp, Inc. Share Price Today?

    Midland States Bancorp, Inc. was last trading at $23.55 per share. This represents the most recent stock quote for Midland States Bancorp, Inc.. Yesterday, Midland States Bancorp, Inc. closed at $23.64 per share.

  • How To Buy Midland States Bancorp, Inc. Stock Online?

    In order to purchase Midland States Bancorp, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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