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MSBI Stock Chart & Stats
$32.25
$0.58(1.80%)
At close: 4:00 PM EDT
$32.25
$0.58(1.80%)
Day’s Range― - ―
52-Week Range$14.24 - $34.36
Previous Close$32.83
Volume300.52K
Average Volume (3M)139.99K
Market Cap
$698.72M
Enterprise Value$822.09
Total Cash (Recent Filing)$1.95B
Total Debt (Recent Filing)$344.89M
Price to Earnings (P/E)21.0
Beta0.70
Next Earnings
Oct 22, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield3.8%
Share Statistics
EPS (TTM)1.60
Shares Outstanding20,752,111
10 Day Avg. Volume153,914
30 Day Avg. Volume139,988
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.82
Price to Sales (P/S)0.99
P/FCF Ratio3.84
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$33.00Price Target Upside2.33% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)3.14
Revenue Forecast (FY)$324.30M
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent positive operating and free cash flow across reporting periods and TTM free cash flow growth provide durable internal funding. This supports dividends, buybacks and tech investments, and creates a buffer for credit stress, underpinning longer‑term capital allocation.
Funding And Capital StrengthMaterial deposit inflows and strengthened capital ratios reduce funding risk and lower dependency on expensive wholesale funding. Improved CET1 and total capital provide resilience to shocks and give management room for disciplined capital returns and measured lending growth.
Strategic Focus And Operational ModernizationA strategic shift toward a tech‑forward community bank and investment in data/analytics, paired with reducing non‑core exposures, is a structural change. It should improve long‑term efficiency, scale fee businesses (wealth, treasury), and reduce credit complexity over multiple quarters.
Bears Say
Revenue DeclineTrailing revenue decline is a durable headwind: shrinking top line reduces operating leverage and constrains margin expansion. Unless core loan production and fee income accelerate, continued revenue contraction will limit sustainable earnings and reinvestment capacity.
Earnings VolatilityA pronounced swing to a large 2025 loss followed by a TTM recovery signals high earnings sensitivity to credit and operating dynamics. Persistent volatility complicates capital planning, investor confidence and consistent payout policies, raising execution risk over months.
Loan Book ContractionPlanned runoff in specialty and non‑core portfolios reduced loan balances and earning assets. While improving credit quality, sustained contraction can lower net interest income and limit organic growth, forcing reliance on fee income or selective loan growth to restore scale.
Midland States Bancrop News
MSBI FAQ
What was Midland States Bancrop’s price range in the past 12 months?
Midland States Bancrop lowest stock price was $14.24 and its highest was $34.35 in the past 12 months.
What is Midland States Bancrop’s market cap?
Midland States Bancrop’s market cap is $698.72M.
When is Midland States Bancrop’s upcoming earnings report date?
Midland States Bancrop’s upcoming earnings report date is Oct 22, 2026 which is in 80 days.
How were Midland States Bancrop’s earnings last quarter?
Midland States Bancrop released its earnings results on Jul 23, 2026. The company reported $0.82 earnings per share for the quarter, beating the consensus estimate of $0.782 by $0.038.
Is Midland States Bancrop overvalued?
According to Wall Street analysts Midland States Bancrop’s price is currently Undervalued.
Does Midland States Bancrop pay dividends?
Midland States Bancrop pays a Quarterly dividend of $0.32 which represents an annual dividend yield of 3.8%. See more information on Midland States Bancrop dividends here
What is Midland States Bancrop’s EPS estimate?
Midland States Bancrop’s EPS estimate is 0.89.
How many shares outstanding does Midland States Bancrop have?
Midland States Bancrop has 20,752,111 shares outstanding.
What happened to Midland States Bancrop’s price movement after its last earnings report?
Midland States Bancrop reported an EPS of $0.82 in its last earnings report, beating expectations of $0.782. Following the earnings report the stock price went up 4.133%.
Which hedge fund is a major shareholder of Midland States Bancrop?
Currently, no hedge funds are holding shares in MSBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Midland States Bancrop Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$33.00 (2.33% Upside)
$33.00 (2.33% Upside)
Blogger Sentiment
Bullish
MSBI Sentiment 66%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 148.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $36.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-30.14%
12-Months-Change
Fundamentals
Return on Equity
3.80%
Trailing 12-Months
Asset Growth
-5.73%
Trailing 12-Months
Company Description
Midland States Bancrop
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.
MSBI Stock 12 Month Forecast
Average Price Target
$33.00
▲(2.33% Upside)
Technical Analysis
Bank Of Marin Bancorp
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Ownership Overview
6.08% Insiders
15.70% Mutual Funds
0.30% Other Institutional Investors
59.73% Public Companies and
Individual Investors