Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
71
MSBI Quote, Financials, Valuation and Earnings
Last price:
$21.21
Seasonality move
:
-1.74%
Day range:
$21.19 - $21.53
52-week range:
$14.24 - $25.76
Dividend yield:
5.94%
P/E ratio:
8.85x
P/S ratio:
0.84x
P/B ratio:
0.97x
Volume:
184.9K
Avg. volume:
213K
1-year change:
-14.52%
Market cap:
$456.9M
Revenue:
$559.3M
EPS (TTM):
-$6.05
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
MSBI
Midland States Bancorp, Inc.
|
$75.6M | $0.63 | -61.06% | -22.52% | $22.00 |
|
BUSE
First Busey Corp.
|
$196.4M | $0.61 | 18.73% | 28.4% | $27.14 |
|
COFS
ChoiceOne Financial Services, Inc.
|
$43.1M | $0.86 | 21.4% | 14.67% | $35.33 |
|
HBNC
Horizon Bancorp, Inc. (Indiana)
|
$73.4M | $0.48 | 15.46% | 15.26% | $20.00 |
|
ONB
Old National Bancorp
|
$706M | $0.62 | -6.94% | 25.57% | $25.92 |
|
TOWN
TowneBank
|
$262.5M | $0.83 | -11.22% | 29.59% | $40.50 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
MSBI
Midland States Bancorp, Inc.
|
$21.20 | $22.00 | $456.9M | 8.85x | $0.32 | 5.94% | 0.84x |
|
BUSE
First Busey Corp.
|
$24.40 | $27.14 | $2.2B | 21.34x | $0.25 | 4.1% | 2.02x |
|
COFS
ChoiceOne Financial Services, Inc.
|
$30.12 | $35.33 | $452.5M | 22.11x | $0.29 | 3.75% | 1.85x |
|
HBNC
Horizon Bancorp, Inc. (Indiana)
|
$17.46 | $20.00 | $894.3M | 13.56x | $0.16 | 3.67% | 10.22x |
|
ONB
Old National Bancorp
|
$22.98 | $25.92 | $9B | 13.51x | $0.14 | 2.44% | 2.29x |
|
TOWN
TowneBank
|
$33.69 | $40.50 | $2.7B | 15.01x | $0.27 | 3.15% | 2.36x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
MSBI
Midland States Bancorp, Inc.
|
51.02% | 0.665 | 126.77% | 0.00x |
|
BUSE
First Busey Corp.
|
15.57% | 1.258 | 21.98% | 0.00x |
|
COFS
ChoiceOne Financial Services, Inc.
|
35.38% | 0.643 | 56.59% | 0.00x |
|
HBNC
Horizon Bancorp, Inc. (Indiana)
|
40.98% | 1.090 | 55.95% | 0.00x |
|
ONB
Old National Bancorp
|
45.72% | 0.927 | 79.47% | 0.00x |
|
TOWN
TowneBank
|
12.83% | 0.675 | 13.24% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
MSBI
Midland States Bancorp, Inc.
|
-- | $11.3M | -10.06% | -18.85% | 41.09% | $78.6M |
|
BUSE
First Busey Corp.
|
-- | $77.3M | 4.2% | 5.22% | 58.31% | $54.5M |
|
COFS
ChoiceOne Financial Services, Inc.
|
-- | $18.3M | 3.64% | 5.91% | 57.71% | $13.7M |
|
HBNC
Horizon Bancorp, Inc. (Indiana)
|
-- | -$286.3M | -10.43% | -25.13% | 128.7% | $9.4M |
|
ONB
Old National Bancorp
|
-- | $301.9M | 4.52% | 8.5% | 54.9% | $333.6M |
|
TOWN
TowneBank
|
-- | $64.5M | 6.58% | 7.6% | 41.12% | -$42.5M |
Midland States Bancorp, Inc. vs. Competitors
-
Which has Higher Returns MSBI or BUSE?
First Busey Corp. has a net margin of 6.27% compared to Midland States Bancorp, Inc.'s net margin of 19.98%. Midland States Bancorp, Inc.'s return on equity of -18.85% beat First Busey Corp.'s return on equity of 5.22%.
Company Gross Margin Earnings Per Share Invested Capital MSBIMidland States Bancorp, Inc.-- $0.24 $1.2B BUSEFirst Busey Corp.-- $0.58 $2.9B -
What do Analysts Say About MSBI or BUSE?
Midland States Bancorp, Inc. has a consensus price target of $22.00, signalling upside risk potential of 3.77%. On the other hand First Busey Corp. has an analysts' consensus of $27.14 which suggests that it could grow by 11.24%. Given that First Busey Corp. has higher upside potential than Midland States Bancorp, Inc., analysts believe First Busey Corp. is more attractive than Midland States Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings MSBIMidland States Bancorp, Inc.0 5 0 BUSEFirst Busey Corp.1 3 0 -
Is MSBI or BUSE More Risky?
Midland States Bancorp, Inc. has a beta of 0.694, which suggesting that the stock is 30.573% less volatile than S&P 500. In comparison First Busey Corp. has a beta of 0.801, suggesting its less volatile than the S&P 500 by 19.928%.
-
Which is a Better Dividend Stock MSBI or BUSE?
Midland States Bancorp, Inc. has a quarterly dividend of $0.32 per share corresponding to a yield of 5.94%. First Busey Corp. offers a yield of 4.1% to investors and pays a quarterly dividend of $0.25 per share. Midland States Bancorp, Inc. pays 94.09% of its earnings as a dividend. First Busey Corp. pays out 48.59% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios MSBI or BUSE?
Midland States Bancorp, Inc. quarterly revenues are $118.5M, which are smaller than First Busey Corp. quarterly revenues of $285.8M. Midland States Bancorp, Inc.'s net income of $7.4M is lower than First Busey Corp.'s net income of $57.1M. Notably, Midland States Bancorp, Inc.'s price-to-earnings ratio is 8.85x while First Busey Corp.'s PE ratio is 21.34x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Midland States Bancorp, Inc. is 0.84x versus 2.02x for First Busey Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income MSBIMidland States Bancorp, Inc.0.84x 8.85x $118.5M $7.4M BUSEFirst Busey Corp.2.02x 21.34x $285.8M $57.1M
-
Which has Higher Returns MSBI or COFS?
ChoiceOne Financial Services, Inc. has a net margin of 6.27% compared to Midland States Bancorp, Inc.'s net margin of 23.92%. Midland States Bancorp, Inc.'s return on equity of -18.85% beat ChoiceOne Financial Services, Inc.'s return on equity of 5.91%.
Company Gross Margin Earnings Per Share Invested Capital MSBIMidland States Bancorp, Inc.-- $0.24 $1.2B COFSChoiceOne Financial Services, Inc.-- $0.97 $695.7M -
What do Analysts Say About MSBI or COFS?
Midland States Bancorp, Inc. has a consensus price target of $22.00, signalling upside risk potential of 3.77%. On the other hand ChoiceOne Financial Services, Inc. has an analysts' consensus of $35.33 which suggests that it could grow by 17.31%. Given that ChoiceOne Financial Services, Inc. has higher upside potential than Midland States Bancorp, Inc., analysts believe ChoiceOne Financial Services, Inc. is more attractive than Midland States Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings MSBIMidland States Bancorp, Inc.0 5 0 COFSChoiceOne Financial Services, Inc.3 0 0 -
Is MSBI or COFS More Risky?
Midland States Bancorp, Inc. has a beta of 0.694, which suggesting that the stock is 30.573% less volatile than S&P 500. In comparison ChoiceOne Financial Services, Inc. has a beta of 0.613, suggesting its less volatile than the S&P 500 by 38.658%.
-
Which is a Better Dividend Stock MSBI or COFS?
Midland States Bancorp, Inc. has a quarterly dividend of $0.32 per share corresponding to a yield of 5.94%. ChoiceOne Financial Services, Inc. offers a yield of 3.75% to investors and pays a quarterly dividend of $0.29 per share. Midland States Bancorp, Inc. pays 94.09% of its earnings as a dividend. ChoiceOne Financial Services, Inc. pays out 33.53% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios MSBI or COFS?
Midland States Bancorp, Inc. quarterly revenues are $118.5M, which are larger than ChoiceOne Financial Services, Inc. quarterly revenues of $61.4M. Midland States Bancorp, Inc.'s net income of $7.4M is lower than ChoiceOne Financial Services, Inc.'s net income of $14.7M. Notably, Midland States Bancorp, Inc.'s price-to-earnings ratio is 8.85x while ChoiceOne Financial Services, Inc.'s PE ratio is 22.11x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Midland States Bancorp, Inc. is 0.84x versus 1.85x for ChoiceOne Financial Services, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income MSBIMidland States Bancorp, Inc.0.84x 8.85x $118.5M $7.4M COFSChoiceOne Financial Services, Inc.1.85x 22.11x $61.4M $14.7M
-
Which has Higher Returns MSBI or HBNC?
Horizon Bancorp, Inc. (Indiana) has a net margin of 6.27% compared to Midland States Bancorp, Inc.'s net margin of 20.13%. Midland States Bancorp, Inc.'s return on equity of -18.85% beat Horizon Bancorp, Inc. (Indiana)'s return on equity of -25.13%.
Company Gross Margin Earnings Per Share Invested Capital MSBIMidland States Bancorp, Inc.-- $0.24 $1.2B HBNCHorizon Bancorp, Inc. (Indiana)-- -$4.69 $1.1B -
What do Analysts Say About MSBI or HBNC?
Midland States Bancorp, Inc. has a consensus price target of $22.00, signalling upside risk potential of 3.77%. On the other hand Horizon Bancorp, Inc. (Indiana) has an analysts' consensus of $20.00 which suggests that it could grow by 14.55%. Given that Horizon Bancorp, Inc. (Indiana) has higher upside potential than Midland States Bancorp, Inc., analysts believe Horizon Bancorp, Inc. (Indiana) is more attractive than Midland States Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings MSBIMidland States Bancorp, Inc.0 5 0 HBNCHorizon Bancorp, Inc. (Indiana)3 2 0 -
Is MSBI or HBNC More Risky?
Midland States Bancorp, Inc. has a beta of 0.694, which suggesting that the stock is 30.573% less volatile than S&P 500. In comparison Horizon Bancorp, Inc. (Indiana) has a beta of 0.841, suggesting its less volatile than the S&P 500 by 15.881%.
-
Which is a Better Dividend Stock MSBI or HBNC?
Midland States Bancorp, Inc. has a quarterly dividend of $0.32 per share corresponding to a yield of 5.94%. Horizon Bancorp, Inc. (Indiana) offers a yield of 3.67% to investors and pays a quarterly dividend of $0.16 per share. Midland States Bancorp, Inc. pays 94.09% of its earnings as a dividend. Horizon Bancorp, Inc. (Indiana) pays out 79.6% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios MSBI or HBNC?
Midland States Bancorp, Inc. quarterly revenues are $118.5M, which are larger than Horizon Bancorp, Inc. (Indiana) quarterly revenues of -$195.7M. Midland States Bancorp, Inc.'s net income of $7.4M is higher than Horizon Bancorp, Inc. (Indiana)'s net income of -$222M. Notably, Midland States Bancorp, Inc.'s price-to-earnings ratio is 8.85x while Horizon Bancorp, Inc. (Indiana)'s PE ratio is 13.56x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Midland States Bancorp, Inc. is 0.84x versus 10.22x for Horizon Bancorp, Inc. (Indiana). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income MSBIMidland States Bancorp, Inc.0.84x 8.85x $118.5M $7.4M HBNCHorizon Bancorp, Inc. (Indiana)10.22x 13.56x -$195.7M -$222M
-
Which has Higher Returns MSBI or ONB?
Old National Bancorp has a net margin of 6.27% compared to Midland States Bancorp, Inc.'s net margin of 17.43%. Midland States Bancorp, Inc.'s return on equity of -18.85% beat Old National Bancorp's return on equity of 8.5%.
Company Gross Margin Earnings Per Share Invested Capital MSBIMidland States Bancorp, Inc.-- $0.24 $1.2B ONBOld National Bancorp-- $0.46 $15.3B -
What do Analysts Say About MSBI or ONB?
Midland States Bancorp, Inc. has a consensus price target of $22.00, signalling upside risk potential of 3.77%. On the other hand Old National Bancorp has an analysts' consensus of $25.92 which suggests that it could grow by 12.81%. Given that Old National Bancorp has higher upside potential than Midland States Bancorp, Inc., analysts believe Old National Bancorp is more attractive than Midland States Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings MSBIMidland States Bancorp, Inc.0 5 0 ONBOld National Bancorp5 5 0 -
Is MSBI or ONB More Risky?
Midland States Bancorp, Inc. has a beta of 0.694, which suggesting that the stock is 30.573% less volatile than S&P 500. In comparison Old National Bancorp has a beta of 0.843, suggesting its less volatile than the S&P 500 by 15.673%.
-
Which is a Better Dividend Stock MSBI or ONB?
Midland States Bancorp, Inc. has a quarterly dividend of $0.32 per share corresponding to a yield of 5.94%. Old National Bancorp offers a yield of 2.44% to investors and pays a quarterly dividend of $0.14 per share. Midland States Bancorp, Inc. pays 94.09% of its earnings as a dividend. Old National Bancorp pays out 33.3% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios MSBI or ONB?
Midland States Bancorp, Inc. quarterly revenues are $118.5M, which are smaller than Old National Bancorp quarterly revenues of $1B. Midland States Bancorp, Inc.'s net income of $7.4M is lower than Old National Bancorp's net income of $182.6M. Notably, Midland States Bancorp, Inc.'s price-to-earnings ratio is 8.85x while Old National Bancorp's PE ratio is 13.51x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Midland States Bancorp, Inc. is 0.84x versus 2.29x for Old National Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income MSBIMidland States Bancorp, Inc.0.84x 8.85x $118.5M $7.4M ONBOld National Bancorp2.29x 13.51x $1B $182.6M
-
Which has Higher Returns MSBI or TOWN?
TowneBank has a net margin of 6.27% compared to Midland States Bancorp, Inc.'s net margin of 13.69%. Midland States Bancorp, Inc.'s return on equity of -18.85% beat TowneBank's return on equity of 7.6%.
Company Gross Margin Earnings Per Share Invested Capital MSBIMidland States Bancorp, Inc.-- $0.24 $1.2B TOWNTowneBank-- $0.51 $2.8B -
What do Analysts Say About MSBI or TOWN?
Midland States Bancorp, Inc. has a consensus price target of $22.00, signalling upside risk potential of 3.77%. On the other hand TowneBank has an analysts' consensus of $40.50 which suggests that it could grow by 20.21%. Given that TowneBank has higher upside potential than Midland States Bancorp, Inc., analysts believe TowneBank is more attractive than Midland States Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings MSBIMidland States Bancorp, Inc.0 5 0 TOWNTowneBank1 1 0 -
Is MSBI or TOWN More Risky?
Midland States Bancorp, Inc. has a beta of 0.694, which suggesting that the stock is 30.573% less volatile than S&P 500. In comparison TowneBank has a beta of 0.788, suggesting its less volatile than the S&P 500 by 21.193%.
-
Which is a Better Dividend Stock MSBI or TOWN?
Midland States Bancorp, Inc. has a quarterly dividend of $0.32 per share corresponding to a yield of 5.94%. TowneBank offers a yield of 3.15% to investors and pays a quarterly dividend of $0.27 per share. Midland States Bancorp, Inc. pays 94.09% of its earnings as a dividend. TowneBank pays out 46.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios MSBI or TOWN?
Midland States Bancorp, Inc. quarterly revenues are $118.5M, which are smaller than TowneBank quarterly revenues of $287.1M. Midland States Bancorp, Inc.'s net income of $7.4M is lower than TowneBank's net income of $39.3M. Notably, Midland States Bancorp, Inc.'s price-to-earnings ratio is 8.85x while TowneBank's PE ratio is 15.01x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Midland States Bancorp, Inc. is 0.84x versus 2.36x for TowneBank. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income MSBIMidland States Bancorp, Inc.0.84x 8.85x $118.5M $7.4M TOWNTowneBank2.36x 15.01x $287.1M $39.3M
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