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MSBI

HoldHot Air

Midland States Bancorp, Inc. · Financial Services · United States · $685M · Avg Vol: $5M/d

59
StockRank
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Q
35
V
40
M
79
P/E (TTM)
21.5x
ROE
7.5%
D/E
0.7x
Dividend %
3.8%
Dir. Trades · 180d
−$421.4K →
Buybacks · 180d
$10.7M →

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%286.1M296.1M297.9M1.3%
EPS4.292.33-1.05-6.12-45.7%1.571.961.92-4.7%
Shares22.2M21.6M21.5M21.2M-4.7%20.8M———
Debt602.1M604.4M423.2M380.2M-14.2%355.4M———
Equity758.6M715.1M710.8M565.5M-9.3%————
Op CF285.8M153.4M176.5M125.7M-24.0%119.4M———
Inv CF-1.1B-74.8M136.7M748.9M—————
Fin CF332.1M-104.1M-333.5M-861.5M—————
Loading 1Y...
PRICE (1Y)+0.1%
32.3132.8733.4233.9734.53Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$33.31
RSI (14)
61.0
52W High
$34.76
From 52W High
1.0%

SCORE BREAKDOWN

Quality
35
ROIC (ROA)
0.6%*26.7
ROE
7.5%37.3
GP/Assets
4.4%N/A
Op. Margin
35.6%52.4
FCF/Assets
1.7%N/A
Piotroski
321.0
Int. Cover
—50.0
D/E Ratio
0.67xN/A
Current Ratio
bankN/A
Value
40
P/E (TTM)
21.5x22.1
EV/EBITDA
bankN/A
P/FCF
6.0xN/A
P/B
1.5x36.6
P/S
2.4x68.7
Div Yield
3.8%52.3
Momentum
79
52W High %
96%71.4
RS 6M
52%96.7
SMA 50/200
1.27x97.1
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+8.1%90.8
EPS Improve
+116%86.0
Q Growth
65%78.4

FUNDAMENTALS

Market Cap
$685M
P/E (Forward)
10.0x
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)$685M59Hold
RRBIRed River Bancshares, Inc.$663M61Hold
BWBBridgewater Bancshares, Inc.$594M59Hold
AROWArrow Financial Corporation$611M61Hold
HTBHomeTrust Bancshares, Inc.$776M61Hold
BCALCalifornia BanCorp$684M64Hold
UNTYUnity Bancorp, Inc.$590M62Hold
CCBGCapital City Bank Group, Inc.$879M59Hold
SFSTSouthern First Bancshares, Inc.$590M57Hold
PGCPeapack-Gladstone Financial Corporation$800M62Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Midland States Bancorp, Inc. (MSBI) has a MoatMap StockRank of 59/100 based on Quality (35/100), Value (40/100), and Momentum (79/100) 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$33.31
Market Cap$685M
P/E (TTM)21.48
P/E (Forward)9.97
Price/Book1.52
Return on Equity7.5%
Debt/Equity0.67x
Operating Margin35.6%
Revenue Growth18.0%
Dividend Yield3.8%
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 59/100, with a Hold signal. It is a composite of Quality (35), Value (40), and Momentum (79) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Midland States Bancorp, Inc. have an economic moat?
Midland States Bancorp, Inc. (MSBI) has a Quality factor score of 35/100. 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 59/100. 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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