Midland States Bancorp, Inc. MSBI R2K
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
Operating margin of 34.0% supports profitability.
Offers a dividend yield of 4.24%.
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 +14.3%, earnings -426.7%.
- 5-Year Trend Long-term compounding — revenue CAGR -8.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -8.62% |
| 1 Year: | 14.30% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -426.68% |
Stock Price Performance
| 1 Year: | +71.29% |
| 6 Months: | +43.84% |
| 3 Months: | +28.84% |
| 1 Month: | +3.04% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.29 · Neutral
P/E of 25.44 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 4.24%.
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | MSBI Midland States Bancorp, Inc. R2K | 30.53 | 25.44 | $632.88M | 4.24% | - | 6.22% | -8.62% | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 6.53M | 6.65M | 3.44M | 7.70M | 5.12M | 6.79M | 8.05M | 11.58M | 8.49M | 3.54M | 2.04M | - | 1.81M | 12.78M | 8.50M | - | 13.98M | 16.36M | 12.65M | 12.79M | 1.55M | 12.57M | 86.00K | 8.33M | 18.54M | 20.12M | 19.55M | 20.75M | 21.88M | 23.52M | 15.82M | 16.54M | 8.69M | 22.66M | 25.72M | 20.43M | -140.97M | 12.02M | 7.56M | 18.46M |
| Diluted EPS | 0.54 | 0.55 | 0.28 | 0.63 | 0.42 | 0.50 | 0.51 | 0.72 | 0.52 | 0.20 | 0.10 | 0.10 | 0.08 | 0.52 | 0.35 | 0.67 | 0.57 | 0.67 | 0.51 | 0.51 | 0.06 | 0.53 | 0.00 | 0.36 | 0.81 | 0.88 | 0.86 | 0.92 | 0.97 | 1.04 | 0.86 | 0.86 | 0.41 | 0.92 | 1.06 | 0.83 | -6.58 | 0.44 | 0.24 | 0.74 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 380.49M | 340.22M | 356.27M | 290.36M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | 56.02M | 168.28M | 189.78M | 151.06M |
| Pretax Income | - | - | - | - | - | - | - | - | 131.39M | 87.96M | 46.90M | -114.87M |
| Tax Provision | - | - | - | - | - | - | - | - | 31.15M | 26.81M | 8.86M | 9.41M |
| Net Income | 10.82M | 24.32M | 31.54M | 16.06M | 39.42M | 55.78M | 22.54M | - | 100.24M | 61.16M | 38.04M | -124.28M |
| Diluted EPS | 0.53 | 2.00 | 2.17 | 0.87 | 1.66 | 2.26 | 0.95 | - | 4.28 | 2.33 | -1.05 | 1.01 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 2.68B | 2.88B | 3.23B | 4.41B | 5.64B | 6.09B | 6.87B | 7.44B | 7.79B | 7.86B | 7.96B | 7.89B | 7.79B | 7.76B | 7.71B | 7.70B | 7.51B | 6.51B |
| Total Equity | 149.44M | 219.46M | 232.88M | 321.77M | 449.55M | 608.52M | 661.91M | 621.39M | 600.19M | 696.14M | 707.26M | 703.40M | 681.47M | 715.11M | 723.04M | 736.78M | 771.22M | 710.85M | 565.50M |
| Cash & Equivalents | 86.72M | 159.90M | 212.47M | 190.72M | 215.20M | 213.70M | 394.50M | 341.64M | 680.37M | 160.63M | - | - | - | 135.06M | - | - | - | 114.77M | 127.81M |
| Total Liabilities | - | - | 2.65B | 2.91B | 3.96B | 5.03B | 5.43B | 6.25B | 6.78B | 7.10B | - | - | 7.21B | 7.07B | 7.04B | 6.97B | 6.93B | 6.80B | 5.95B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | 73.32M | 24.13M | 70.45M | 97.09M | 538.65M | 499.15M | 334.44M | 285.82M | 153.36M | 176.55M | 125.68M |
| Investing Cash Flow | - | -229.51M | -359.06M | -234.61M | -6.69M | -364.79M | -1.31B | -478.50M | -1.14B | -74.80M | 136.71M | 748.90M |
| Financing Cash Flow | - | 208.76M | 313.18M | 188.64M | -91.90M | 6.94M | 760.42M | 482.79M | 332.08M | -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 | - | 67.20M | 21.95M | 64.27M | 89.89M | 533.12M | 496.56M | 331.72M | 282.35M | 144.63M | 169.65M | 120.33M |
| Share Buybacks | - | - | - | - | 0 | 4.02M | 39.62M | 11.69M | 1.11M | 17.90M | 5.47M | 9.66M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 13.78% | 2.86M | $86.93M |
| 2 | Vanguard Capital Management LLC | 4.35% | 901.39K | $27.44M |
| 3 | Dimensional Fund Advisors LP | 4.30% | 890.80K | $27.12M |
| 4 | State Street Corporation | 3.69% | 765.92K | $23.31M |
| 5 | Busey Bank | 3.66% | 759.29K | $23.11M |
| 6 | American Century Companies Inc | 2.83% | 586.16K | $17.84M |
| 7 | Hotchkis & Wiley Capital Management, LLC | 2.61% | 540.36K | $16.45M |
| 8 | Geode Capital Management, LLC | 2.58% | 533.96K | $16.25M |
| 9 | Patriot Financial Partners Gp II, L.P. | 2.12% | 438.50K | $13.35M |
| 10 | AQR Capital Management, LLC | 1.91% | 396.26K | $12.06M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for MSBI
What Makes Midland States Bancorp (MSBI) a New Strong Buy Stock - Yahoo Finance
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Midland States Bancorp (NASDAQ:MSBI) Reaches New 52-Week High - Should You Buy? - MarketBeat
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Midland States Bancorp sets July 23 for Q2 2026 results - Stock Titan
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MIDLAND STATES BAN ($MSBI) Releases Q1 2026 Earnings - Quiver Quantitative
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MSBI — Frequently Asked Questions
What is the current share price of Midland States Bancorp, Inc. (MSBI)?
As of 2026-07-14 21:23 PDT, Midland States Bancorp, Inc. (MSBI) trades at $30.53 on NasdaqGS. Its 52-week range is $13.98 to $31.37.
What is the market capitalisation of MSBI?
Midland States Bancorp, Inc. (MSBI) has a market capitalisation of $632.88M on NasdaqGS.
What is the P/E ratio of MSBI?
MSBI trades at a trailing price-to-earnings (P/E) ratio of 25.44. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.40.
Does MSBI pay a dividend?
Midland States Bancorp, Inc. (MSBI) currently offers a dividend yield of 4.24%.
What is the return on equity (ROE) of MSBI?
MSBI has a return on equity (ROE) of 6.22%.
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.