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STOCKS

Midland States Bancrop (MSBI)

NASDAQ:MSBI

MSBI

Midland States Bancrop

RESEARCH TOOLSreports

Midland States Bancrop (MSBI) Ratios

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166 Followers

Midland States Bancrop Ratios

MSBI's free cash flow for Q4 2025 was $0.69. For the 2025 fiscal year, MSBI's free cash flow was decreased by $ and operating cash flow was $-0.03. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	27.46	27.46	0.23	0.23	0.22
Quick Ratio	27.46	27.46	0.23	0.23	0.22
Cash Ratio	2.12	2.12	0.02	0.02	0.02
Solvency Ratio	-0.02	-0.02	<0.01	0.01	0.02
Operating Cash Flow Ratio	2.09	2.09	0.03	0.02	0.04
Short-Term Operating Cash Flow Coverage	2.09	2.09	2.02	0.84	1.34
Net Current Asset Value	$ -4.29B	$ -4.29B	$ -5.33B	$ -5.53B	$ -5.66B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.06	0.08	0.08
Debt-to-Equity Ratio	0.76	0.76	0.60	0.76	0.85
Debt-to-Capital Ratio	0.43	0.43	0.37	0.43	0.46
Long-Term Debt-to-Capital Ratio	0.40	0.40	0.32	0.35	0.38
Financial Leverage Ratio	11.51	11.51	10.56	9.93	10.36
Debt Service Coverage Ratio	-0.55	-0.49	0.14	0.21	0.48
Interest Coverage Ratio	-0.76	-0.68	0.25	0.52	2.35
Debt to Market Cap	0.94	0.93	0.80	0.99	1.08
Interest Debt Per Share	26.68	26.68	28.28	34.94	31.35
Net Debt to EBITDA	-2.87	-3.26	6.59	4.67	3.37
Profitability Margins
Gross Profit Margin	56.29%	57.38%	43.21%	50.67%	69.58%
EBIT Margin	-25.19%	-22.08%	8.59%	17.30%	30.10%
EBITDA Margin	-23.21%	-19.99%	8.59%	19.80%	33.39%
Operating Profit Margin	-25.19%	-22.08%	8.59%	17.30%	30.10%
Pretax Profit Margin	-25.19%	-24.57%	8.59%	17.30%	30.10%
Net Profit Margin	-27.26%	-26.58%	6.97%	12.03%	22.96%
Continuous Operations Profit Margin	-27.26%	-26.58%	6.97%	12.03%	22.96%
Net Income Per EBT	108.19%	108.19%	81.12%	69.52%	76.29%
EBT Per EBIT	100.00%	111.26%	100.00%	100.00%	100.00%
Return on Assets (ROA)	-1.91%	-1.91%	0.51%	0.78%	1.28%
Return on Equity (ROE)	-21.66%	-21.98%	5.35%	7.72%	13.21%
Return on Capital Employed (ROCE)	-1.78%	-1.60%	4.27%	6.97%	10.72%
Return on Invested Capital (ROIC)	-6.55%	-5.88%	3.21%	4.23%	7.11%
Return on Tangible Assets	-1.91%	-1.91%	0.52%	0.80%	1.31%
Earnings Yield	-26.76%	-26.86%	7.19%	10.03%	16.85%
Efficiency Ratios
Receivables Turnover	19.14	19.63	1.36	1.02	0.85
Payables Turnover	0.00	0.00	2.50	2.27	1.66
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.36	5.49	6.37	6.14	5.58
Asset Turnover	0.07	0.07	0.07	0.06	0.06
Working Capital Turnover Ratio	-0.35	-0.28	-0.11	-0.10	-0.09
Cash Conversion Cycle	19.07	18.60	122.51	196.94	207.67
Days of Sales Outstanding	19.07	18.60	268.76	357.67	428.17
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	146.26	160.73	220.50
Operating Cycle	19.07	18.60	268.76	357.67	428.17
Cash Flow Ratios
Operating Cash Flow Per Share	5.75	5.75	8.14	6.99	11.06
Free Cash Flow Per Share	5.60	5.51	7.83	6.60	10.90
CapEx Per Share	0.15	0.24	0.32	0.39	0.16
Free Cash Flow to Operating Cash Flow	0.97	0.96	0.96	0.94	0.99
Dividend Paid and CapEx Coverage Ratio	3.16	3.00	4.12	3.50	7.59
Capital Expenditure Coverage Ratio	39.04	23.51	25.58	17.71	71.20
Operating Cash Flow Coverage Ratio	0.29	0.29	0.42	0.26	0.38
Operating Cash Flow to Sales Ratio	0.28	0.27	0.32	0.30	0.57
Free Cash Flow Yield	26.74%	26.01%	32.08%	23.94%	40.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-3.74	-3.72	13.90	9.97	5.93
Price-to-Sales (P/S) Ratio	1.00	0.99	0.97	1.20	1.36
Price-to-Book (P/B) Ratio	0.82	0.82	0.74	0.77	0.78
Price-to-Free Cash Flow (P/FCF) Ratio	3.74	3.84	3.12	4.18	2.44
Price-to-Operating Cash Flow Ratio	3.70	3.68	3.00	3.94	2.41
Price-to-Earnings Growth (PEG) Ratio	0.46	<0.01	-0.32	-0.22	0.32
Price-to-Fair Value	0.82	0.82	0.74	0.77	0.78
Enterprise Value Multiple	-7.20	-8.21	17.87	10.72	7.45
Enterprise Value	762.22M	766.90M	838.09M	1.08B	1.09B
EV to EBITDA	-7.20	-8.21	17.87	10.72	7.45
EV to Sales	1.67	1.64	1.53	2.12	2.49
EV to Free Cash Flow	6.22	6.37	4.94	7.40	4.46
EV to Operating Cash Flow	6.06	6.10	4.75	6.98	4.39
Tangible Book Value Per Share	25.11	25.11	23.94	26.84	25.72
Shareholders’ Equity Per Share	25.88	25.88	32.79	35.80	33.95
Tax and Other Ratios
Effective Tax Rate	-0.08	-0.08	0.19	0.30	0.24
Revenue Per Share	20.86	21.40	25.19	22.99	19.54
Net Income Per Share	-5.69	-5.69	1.76	2.77	4.49
Tax Burden	1.08	1.08	0.81	0.70	0.76
Interest Burden	1.00	1.11	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.27	0.26	0.18	0.19	0.21
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	3.99	-1.01	4.64	2.05	2.49

Currency in USD