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Midland States Bancorp, Inc. MSBI R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.midlandsb.com
Company Profile ↓
$33.73
+97.78% 1Y
Mkt Cap$699.97M
P/E21.48
P/B1.51
Div. Yield3.91%
52W High$34.19
52W Low$13.85
Book Value$22.15
EPS (TTM)$1.57

Company Overview

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 facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.

Why Investors Should Care

Healthy Margins

Maintains a net profit margin of 15.0%.

Dividend Income

Offers a dividend yield of 3.91%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $290.36M (-18.5% YoY); net profit $-124.28M.
  • Trailing 12 Months Year-on-year growth — revenue +18.0%, earnings +86.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR -8.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-8.62%
1 Year:18.00%

Compounded Profit Growth

5 Years:-
1 Year:86.00%

Stock Price Performance

1 Year:+97.78%
6 Months:+62.53%
3 Months:+19.40%
1 Month:+0.90%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 98% of range
$13.85 $34.19
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)63.04 · Neutral
Price Performance
1M+0.90%
3M+19.40%
6M+62.53%
1Y+97.78%
Valuation vs Sector

P/E of 21.48 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 3.91%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -8.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
21.48
Industry PE
14.52
Forward P/E
9.97
PEG Ratio
1.41
Book Value
$22.15
Price to Book
1.51
P/S
2.43
EV/EBITDA
-
Dividend Yield
3.91%

Growth (CAGR)

Revenue 5Y
-8.62%
Profit 5Y
-
Revenue (YoY)
18.00%
Earnings (YoY)
86.00%

Profitability & Returns

ROCE
-
ROE
7.52%
ROA
0.62%
Profit Margin
15.03%
Op Margin
35.57%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.82
EPS (TTM)
$1.57

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$355.42M
Total Assets
$6.70B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.17%
Chg in Prom Hold
-0.00%
FII / Inst Holding
71.84%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$699.97M
Total Revenue (TTM)
$286.15M
EBITDA
-
Free Cash Flow
$120.33M
Operating Cash Flow
$119.36M
Shares Outstanding
20.75M
Gross Margin
0.00%
Payout Ratio
81.53%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MSBI Midland States Bancorp, Inc. R2KR3KFINANCIAL 33.73 21.48 $699.97M 3.91% - 7.52% -8.62% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 6.65M3.44M7.70M5.12M6.79M8.05M11.58M8.49M3.54M2.04M-1.81M12.78M8.50M-13.98M16.36M12.65M12.79M1.55M12.57M86.00K8.33M18.54M20.12M19.55M20.75M21.88M23.52M15.82M16.54M8.69M22.66M25.72M20.43M-140.97M12.02M7.56M18.46M19.89M
Diluted EPS 0.550.280.630.420.500.510.720.520.200.100.100.080.520.350.670.570.670.510.510.060.530.000.360.810.880.860.920.971.040.860.860.410.921.060.83-6.580.440.240.740.82

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------380.49M340.22M356.27M290.36M
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses ------------
Operating Income ------------
EBITDA ------------
Interest Expense --------56.02M168.28M189.78M151.06M
Pretax Income --------131.39M87.96M46.90M-114.87M
Tax Provision --------31.15M26.81M8.86M9.41M
Net Income 10.82M24.32M31.54M16.06M39.42M55.78M22.54M-100.24M61.16M38.04M-124.28M
Diluted EPS 0.532.002.170.871.662.260.95-4.282.33-1.051.01

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Dec 2025
Total Assets -2.68B2.88B3.23B4.41B5.64B6.09B6.87B7.44B7.79B7.86B7.96B7.89B7.79B7.76B7.71B7.70B7.51B6.51B
Total Equity 149.44M219.46M232.88M321.77M449.55M608.52M661.91M621.39M600.19M696.14M707.26M703.40M681.47M715.11M723.04M736.78M771.22M710.85M565.50M
Cash & Equivalents 86.72M159.90M212.47M190.72M215.20M213.70M394.50M341.64M680.37M160.63M---135.06M---114.77M127.81M
Total Liabilities --2.65B2.91B3.96B5.03B5.43B6.25B6.78B7.10B--7.21B7.07B7.04B6.97B6.93B6.80B5.95B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -73.32M24.13M70.45M97.09M538.65M499.15M334.44M285.82M153.36M176.55M125.68M
Investing Cash Flow --229.51M-359.06M-234.61M-6.69M-364.79M-1.31B-478.50M-1.14B-74.80M136.71M748.90M
Financing Cash Flow -208.76M313.18M188.64M-91.90M6.94M760.42M482.79M332.08M-104.13M-333.55M-861.54M
Capital Expenditure -2.92M-6.12M-2.18M-6.18M-7.20M-5.54M-2.59M-2.72M-3.47M-8.73M-6.90M-5.35M
Free Cash Flow -67.20M21.95M64.27M89.89M533.12M496.56M331.72M282.35M144.63M169.65M120.33M
Share Buybacks ----04.02M39.62M11.69M1.11M17.90M5.47M9.66M

Ratios (Annual)

Figures in %.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------
Operating Margin % ------------
Net Margin % --------26.3%18.0%10.7%-42.8%
ROE % 4.9%10.4%9.8%3.6%6.5%8.4%3.6%-14.4%8.6%5.4%-22.0%
ROCE % ------------

Shareholding Pattern

Insiders
8.17%
Institutions
71.84%
Public Float
78.23%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.07% 2.92M $96.38M
2 Dimensional Fund Advisors LP 4.14% 859.38K $28.36M
3 Vanguard Capital Management LLC 4.08% 847.35K $27.96M
4 Busey Bank 3.66% 759.29K $25.06M
5 State Street Corporation 3.34% 694.11K $22.91M
6 American Century Companies Inc 2.72% 563.72K $18.60M
7 Geode Capital Management, LLC 2.59% 537.29K $17.73M
8 Hotchkis & Wiley Capital Management, LLC 2.49% 517.33K $17.07M
9 Patriot Financial Partners Gp II, L.P. 2.11% 438.50K $14.47M
10 Acadian Asset Management. LLC 1.97% 408.41K $13.48M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for MSBI

Yahoo Finance Mon, 10 Aug 2026

Should Value Investors Buy Midland States Bancorp (MSBI) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to u…

Yahoo Finance ue, 28 Jul 2026

What Makes Midland States Bancorp (MSBI) a Strong Momentum Stock: Buy Now?

Does Midland States Bancorp (MSBI) have what it takes to be a top stock pick for momentum investors? Let's find out.

Yahoo Finance hu, 23 Jul 2026

Compared to Estimates, Midland States Bancorp (MSBI) Q2 Earnings: A Look at Key Metrics

The headline numbers for Midland States Bancorp (MSBI) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals…

Yahoo Finance hu, 09 Jul 2026

Midland States Bancorp, Inc. to Announce Second Quarter 2026 Financial Results on Thursday, July 23

EFFINGHAM, Ill., July 09, 2026 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (Nasdaq: MSBI) announced today that it will issue its second quarter 2026 financial results after market close on Thursday, July 23, 2026. Along with the press …

Yahoo Finance Mon, 11 May 2026

Here's Why We're Wary Of Buying Midland States Bancorp's (NASDAQ:MSBI) For Its Upcoming Dividend

It looks like Midland States Bancorp, Inc. ( NASDAQ:MSBI ) is about to go ex-dividend in the next 3 days. The...

Yahoo Finance ue, 05 May 2026

Midland States Bancorp, Inc. Increases Stock Repurchase Program to $45 Million

EFFINGHAM, Ill., May 05, 2026 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (Nasdaq: MSBI) announced today that its Board of Directors has approved an amendment to the Company’s current stock repurchase program that increases the amount …

MSBI — Frequently Asked Questions

What is the current share price of Midland States Bancorp, Inc. (MSBI)?

As of 2026-09-07 16:24 PDT, Midland States Bancorp, Inc. (MSBI) trades at $33.73 on NasdaqGS. Its 52-week range is $13.85 to $34.19.

What is the market capitalisation of MSBI?

Midland States Bancorp, Inc. (MSBI) has a market capitalisation of $699.97M on NasdaqGS.

What is the P/E ratio of MSBI?

MSBI trades at a trailing price-to-earnings (P/E) ratio of 21.48. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.51.

Does MSBI pay a dividend?

Midland States Bancorp, Inc. (MSBI) currently offers a dividend yield of 3.91%.

What is the return on equity (ROE) of MSBI?

MSBI has a return on equity (ROE) of 7.52%.

Is MSBI a good stock to buy?

This page provides a data-driven analysis of Midland States Bancorp, Inc. (MSBI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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