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MSBI

HOLD

Midland States Bancorp, Inc. · Financial Services · United States · $669M · Avg Vol: $7M/d

62
StockRank
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Q
33
V
39
M
84
P/E (TTM)
25.7x
ROE
6.2%
D/E
0.7x
Dividend %
4.1%
Dir. Trades · 180d
None →
Buybacks · 180d
$20.5M →

COMPANY DESCRIPTION

Midland States Bancorp, Inc. is a community-focused financial institution providing a full range of banking, wealth management, and commercial lending services primarily in Illinois, Missouri, and Colorado. Its competitive moat stems from its strong community ties, personalized service model, and diverse revenue streams including specialized commercial finance offerings. The bank serves as a key financial partner for small to medium-sized businesses and individuals within its regional markets.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue380.5M340.2M356.3M290.4M-8.6%274.5M291.7M294.3M0.7%
EPS4.292.33-1.051.03-37.8%1.201.961.9236.4%
Shares22.2M21.6M21.5M21.2M-4.7%20.7M———
Debt602.1M604.4M423.2M380.2M-14.2%482.6M———
Equity758.6M715.1M710.8M565.5M-9.3%————
Op CF285.8M153.4M176.5M125.7M-24.0%117.9M———
Inv CF-1.1B-74.8M136.7M748.9M—————
Fin CF332.1M-104.1M-333.5M-861.5M—————
Loading 1Y...
PRICE (1Y)+15.6%
29.1230.3731.6132.8534.10Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$34.10
RSI (14)
78.2
52W High
$34.35
From 52W High
1.0%

SCORE BREAKDOWN

Quality
33
ROIC (ROA)
0.5%*23.0
ROE
6.2%31.1
GP/Assets
4.2%N/A
Op. Margin
34.0%52.4
FCF/Assets
1.7%N/A
Piotroski
320.3
Int. Cover
—50.0
D/E Ratio
0.67xN/A
Current Ratio
bankN/A
Value
39
P/E (TTM)
25.7x17.5
EV/EBITDA
bankN/A
P/FCF
5.9xN/A
P/B
1.4x37.2
P/S
2.3x72.5
Div Yield
4.1%52.6
Momentum
84
52W High %
99%89.6
RS 6M
44%97.7
SMA 50/200
1.29x97.7
EPS Rev 4W
+0.4%83.8
EPS Rev 12W
+12.0%95.4
EPS Improve
+162%88.9
Q Growth
—N/A

FUNDAMENTALS

Market Cap
$669M
P/E (Forward)
9.8x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MSBI are excluded.

TickerCompanyMkt CapStockRankSignal
MSBIMidland States Bancorp, Inc.(you)$669M62HOLD
NFBKNorthfield Bancorp, Inc.$639M61HOLD
NRIMNorthrim BanCorp, Inc.$603M63HOLD
NPBNorthpointe Bancshares, Inc.$594M61HOLD
BWBBridgewater Bancshares, Inc.$579M61HOLD
CWBCCommunity West Bancshares$678M67BUY
SMBKSmartFinancial, Inc.$855M65HOLD
ALRSAlerus Financial Corporation$822M59HOLD
MPBMid Penn Bancorp, Inc.$942M62HOLD
BHBBar Harbor Bankshares$654M71BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Midland States Bancorp, Inc. (MSBI) — Stock Score Summary

Midland States Bancorp, Inc. (MSBI) has a MoatMap StockRank of 62/100 based on Quality (33/100), Value (39/100), and Momentum (84/100) factor scores. The current signal is HOLD.

Midland States Bancorp, Inc. is a community-focused financial institution providing a full range of banking, wealth management, and commercial lending services primarily in Illinois, Missouri, and Colorado. Its competitive moat stems from its strong community ties, personalized service model, and diverse revenue streams including specialized commercial finance offerings. The bank serves as a key financial partner for small to medium-sized businesses and individuals within its regional markets.

Key Financial Metrics

Price$34.10
Market Cap$669M
P/E (TTM)25.71
P/E (Forward)9.81
Price/Book1.43
Return on Equity6.2%
Debt/Equity0.67x
Operating Margin34.0%
Revenue Growth14.3%
Dividend Yield4.1%
Free Cash Flow$114M

Midland States Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Midland States Bancorp, Inc.’s (MSBI) StockRank?
MoatMap’s StockRank for Midland States Bancorp, Inc. (MSBI) is 62/100, with a Hold signal. It is a composite of Quality (33), Value (39), and Momentum (84) factor ranks across MoatMap’s 20,000+ stock universe.
Does Midland States Bancorp, Inc. have an economic moat?
Midland States Bancorp, Inc. (MSBI) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Midland States Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Midland States Bancorp, Inc. (MSBI) is Hold, based on a StockRank of 62/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Midland States Bancorp, Inc. in?
Midland States Bancorp, Inc. (MSBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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