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 - $28.53
Previous CloseN/A
Volume17.38K
Average Volume (3M)139.99K
Market Cap
$569.24M
Enterprise Value$874.67M
Total Cash (Recent Filing)$1.45B
Total Debt (Recent Filing)$418.45M
Price to Earnings (P/E)6.4
Beta0.73
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 Cap1.54
Enterprise Value/Revenue1.95
Enterprise Value/Gross Profit3.26
Enterprise Value/Ebitda16.52
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
Cash GenerationConsistent TTM operating and free cash flow that roughly equals net income provides durable internal funding for loan growth, provisions, and shareholder returns. Strong cash conversion improves financial flexibility, reduces reliance on external funding, and supports capital allocation over the next several quarters.
Finance Leadership StabilityFormalizing an experienced CFO reduces execution and reporting risk and strengthens financial discipline. Clear accountability and incentive alignment from the appointment support more consistent capital management, provisioning policies, and investor communication over a multi-quarter horizon.
Shareholder-friendly Capital PolicyAn expanded buyback authorization and ongoing dividend program indicate the board believes capital and credit profiles can support distributions. Persisting capital returns provide a durable mechanism to return excess capital and signal management discipline in allocation decisions.
Bears Say
Declining Revenue TrendA sustained decline in revenue reduces operating scale and makes it harder to cover fixed costs, compressing margins. Over several quarters this limits reinvestment capacity, slows loan and fee growth, and raises the bar for restoring prior profitability levels without structural revenue recovery.
Weaker Profitability / ROEPersistently lower ROE indicates diminished capital efficiency and reduced ability to generate returns on equity. This constrains the pace of capital rebuilding and limits excess earnings available for dividends or growth, making improvement in core profitability essential for long-term value creation.
Cash Flow Momentum VariabilityA decline in free cash flow momentum implies less predictable internal funding and narrows the buffer for loan losses or discretionary capital returns. Over the medium term, this increases sensitivity to earnings volatility and could force tighter capital allocation if cash generation does not stabilize.
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 $28.53 in the past 12 months.
What is Midland States Bancrop’s market cap?
Midland States Bancrop’s market cap is $569.24M.
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 63 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
Neutral
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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 31.5K 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. 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 through Banking, Wealth Management, and Other segments. The company accepts various deposits, such as checking, savings, money market, and sweep accounts, as well as certificates of deposits. It also offers term loans to purchase capital equipment; lines of credit for working capital and operational purposes; commercial real estate loans for owner occupied and non-owner occupied commercial property, as well as farmland loans; construction and land development loans developers of commercial real estate investment properties, residential developments, individual clients for construction of single family homes, as well as to construct owner-user properties; and residential real estate loans and home equity lines of credit.. In addition, the company provides consumer installment loans for the purchase of cars, boats, and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; commercial equipment leasing; and trust and wealth management products and services, including 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, it operated 52 full-service banking offices. The company was founded in 1881 and is headquartered 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
15.64% Mutual Funds
15.34% Other Institutional Investors
46.32% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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