Midland States Bancrop (MSBI)
NASDAQ:MSBI
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MSBI Stock Chart & Stats
$23.79
-$0.03(-0.13%)
At close: 4:00 PM EST
$23.79
-$0.03(-0.13%)
Day’s Range― - ―
52-Week Range$14.24 - $30.29
Previous CloseN/A
Volume17.38K
Average Volume (3M)139.99K
Market Cap
$614.22M
Enterprise Value$881.71M
Total Cash (Recent Filing)$1.45B
Total Debt (Recent Filing)$418.45M
Price to Earnings (P/E)18.0
Beta0.71
Next Earnings
Jul 23, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield5.87%
Share Statistics
EPS (TTM)1.21
Shares Outstanding20,729,800
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 Cap1.44
Enterprise Value/Revenue1.96
Enterprise Value/Gross Profit3.29
Enterprise Value/Ebitda16.65
Forecast
1Y Price Target
$26.33Price Target Upside10.69% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)2.65
Revenue Forecast (FY)$307.69M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistent TTM operating and free cash flow provides durable internal funding for loan growth, reserves, dividends and buybacks. Reliable cash conversion reduces dependence on external funding and supports capital flexibility even if revenue momentum softens.
Share Repurchase Program ExpansionA materially expanded repurchase authorization signals management confidence in capital and credit profiles. Sustained buybacks can improve ROE and per-share metrics over time and show a repeatable capital-allocation policy when capital and regulatory buffers permit.
Finance Leadership & Governance StabilityFormalizing an experienced CFO and receiving shareholder support for board and auditor improves financial oversight and continuity. Strong governance and stable finance leadership help execution of risk management, reporting accuracy, and long-term strategic planning.
Bears Say
Declining Revenue TrendA sustained decline in revenue reduces the bank's top-line capacity to absorb costs and fund loan loss provisioning. If persistent, shrinking revenue pressures margins, limits reinvestment in digital/branch platforms and constrains the durability of earnings recovery.
Below-historical Profitability And ROEROE and margins materially beneath prior-cycle levels indicate earnings power has not fully recovered. Persistently lower returns can limit internal capital generation, reduce competitiveness for talent and investment, and slow restoration to prior profitability norms.
Asset Contraction And Moderate LeverageShrinking asset base reduces interest-earning capacity and revenue potential over the medium term. Combined with moderate leverage, this constrains growth optionality and may force tougher trade-offs between capital returns and balance-sheet rebuilding.
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 $30.29 in the past 12 months.
What is Midland States Bancrop’s market cap?
Midland States Bancrop’s market cap is $614.22M.
When is Midland States Bancrop’s upcoming earnings report date?
Midland States Bancrop’s upcoming earnings report date is Jul 23, 2026 which is in 40 days.
How were Midland States Bancrop’s earnings last quarter?
Midland States Bancrop released its earnings results on Apr 23, 2026. The company reported $0.74 earnings per share for the quarter, beating the consensus estimate of $0.612 by $0.128.
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 5.87%. See more information on Midland States Bancrop dividends here
What is Midland States Bancrop’s EPS estimate?
Midland States Bancrop’s EPS estimate is 0.78.
How many shares outstanding does Midland States Bancrop have?
Midland States Bancrop has 20,729,800 shares outstanding.
What happened to Midland States Bancrop’s price movement after its last earnings report?
Midland States Bancrop reported an EPS of $0.74 in its last earnings report, beating expectations of $0.612. Following the earnings report the stock price went up 6.884%.
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
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10
Analyst Consensus
Hold
Average Price Target:
$26.33 (10.69% Upside)
$26.33 (10.69% Upside)
Blogger Sentiment
Neutral
MSBI Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 148.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $248.9K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-30.14%
12-Months-Change
Fundamentals
Return on Equity
6.16%
Trailing 12-Months
Asset Growth
-10.11%
Trailing 12-Months
Company Description
Midland States Bancrop
Midland States Bancorp, Inc. serves as the financial holding company for Midland States Bank, delivering a broad spectrum of banking products and services to individual consumers, businesses, municipalities, and various other entities. Its operations are strategically divided into Banking, Wealth Management, and Other segments. The bank offers a comprehensive suite of deposit solutions, including checking, savings, money market, and sweep accounts, in addition to certificates of deposit (CDs). Regarding lending, Midland provides diverse financing options such as term loans for capital equipment, lines of credit for working capital and operational needs, and commercial real estate loans covering owner-occupied, investment properties, and farmland. It also finances construction and land development projects for both commercial real estate and residential developments, including single-family homes and owner-user properties. Residential customers can access mortgage loans and home equity lines of credit (HELOCs). For consumers, the company extends installment loans for significant purchases like automobiles, recreational vehicles, major appliances, and home improvement projects. Additionally, the bank offers commercial equipment leasing. Within its Wealth Management segment, Midland provides an array of advisory and management services. These encompass 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. As of December 31, 2021, the company operated 52 full-service banking branches. Established in 1881, Midland States Bancorp, Inc. maintains its headquarters in Effingham, Illinois.
MSBI Stock 12 Month Forecast
Average Price Target
$26.33
▲(10.69% Upside)
Technical Analysis
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Ownership Overview
6.05% Insiders
15.80% Mutual Funds
15.34% Other Institutional Investors
46.20% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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