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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 - $31.68
Previous CloseN/A
Volume17.38K
Average Volume (3M)139.99K
Market Cap
$629.15M
Enterprise Value$909.08M
Total Cash (Recent Filing)$1.45B
Total Debt (Recent Filing)$418.45M
Price to Earnings (P/E)25.1
Beta0.68
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/Revenue2.02
Enterprise Value/Gross Profit3.39
Enterprise Value/Ebitda15.52
Forecast
1Y Price Target
$27.67Price Target Upside16.30% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)3.12
Revenue Forecast (FY)$307.69M
Bulls Say, Bears Say
Bulls Say
Free Cash Flow GenerationConsistent TTM operating and free cash flow near $117M demonstrates durable cash conversion that funds dividends, buybacks and capital needs without relying solely on new financing. This supports capital allocation flexibility and provides a buffer through credit or rate cycles over the next several quarters.
Return To ProfitabilityEarnings recovery to positive net income and a meaningful margin swing shows the firm has stabilized core earnings after a large loss year. Sustained profitability rebuilds retained capital, restores ability to absorb credit shocks, and is a foundational step to restoring long-term ROE and lending capacity.
Shareholder-friendly Capital ActionsAn expanded buyback program combined with regular dividends signals management confidence in capital adequacy and credit profile. Over time disciplined repurchases and consistent dividends can enhance per-share earnings, align management incentives with shareholders, and reflect prudent capital management.
Bears Say
Declining Revenue TrendA pronounced revenue decline weakens core earning power and limits sustainable margin improvement. Persistently lower revenues constrain loan growth funding, reduce fee income potential, and make it harder to rebuild reserve buffers and ROE, posing a durable headwind until top-line trends reverse.
ROE Below Historical LevelsSubdued ROE reflects lower earnings efficiency versus prior periods and implies the bank is underutilizing capital. Persistently low ROE can limit investor confidence, restrict retained-earnings-driven growth, and require either stronger loan returns or tighter expense control to restore long-term profitability.
Weakening Cash Flow MomentumAlthough absolute FCF is solid, the decline versus the prior period signals variability in cash conversion. If this trend continues, it could reduce discretionary capacity for buybacks, dividends and balance-sheet rebuilds, making capital returns more sensitive to operating and credit-cycle volatility.
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 $31.68 in the past 12 months.
What is Midland States Bancrop’s market cap?
Midland States Bancrop’s market cap is $629.15M.
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 16 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$27.67 (16.30% Upside)
$27.67 (16.30% Upside)
Blogger Sentiment
Neutral
MSBI Sentiment 50%
Sector Average 67%
Sector Average 67%
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. 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
$27.67
▲(16.30% Upside)
Technical Analysis
Bank Of Marin Bancorp
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Civista Bancshares
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Southern First Bancshares
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Bankwell Financial Group
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Blue Ridge Bankshares
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Ownership Overview
6.08% Insiders
15.70% Mutual Funds
15.34% Other Institutional Investors
44.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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