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Company Analysis

Midland States Bancorp, Inc. MSBI

A comprehensive view of key metrics, scores, and financial health for Midland States Bancorp, Inc.

Overview of Midland States Bancorp, Inc.

MSBI NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Midland States Bancorp, Inc. (MSBI), is a Small Cap company, in the Banks - Regional industry, last closed at $34.25, about 34.2% overvalued vs fair value, +133.9% 1Y return, ranked 348/1078 in sector.
Metrics Rev Growth -18.5% ROE -19.5% Gross Margin 92.4% Div Yield 8.02%
USD 34.25
0.03%
(Delayed)
• Vol 90d: 22.1%
52-Week Range
Market Cap
$710.80M
Enterprise Value
$808.13M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.midlandsb.com
HQ Effingham, IL
Employees 864
Fiscal year Dec 31

Next Events

Earnings Jan 21 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$23
$42
Current: $34.25 -34% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$387.9M
-9%%
Interest Expense
$151.1M
Net Interest Income
$236.8M
0.2%%
Total Revenue
$290.4M
-18.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-29.4%
Poor

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Midland States Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
9
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.03).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.03).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
4
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing MSBI's balance between Growth (11.8%), Profitability (41.3%), and Safety (46.9%). Growth 12% Safety 47% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

6th percentile vs peers
6
Key Signals
NII Growth YoY 0.2% 17p Equity Growth YoY -24.2% 2p Asset Growth YoY -13.2% 1p EPS Growth YoY -5.54 1p
Strengths
  • Net Interest Margin in top 20% of peers (3.6%, 81th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 6)
  • NII Growth YoY in bottom 20% of peers (0.2%)
  • Equity Growth YoY in bottom 20% of peers (-24.2%)
  • Asset Growth YoY in bottom 20% of peers (-13.2%)
  • EPS Growth YoY in bottom 20% of peers (-5.54)

Profitability

22th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

25th percentile vs peers
26
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Midland States Bancorp, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$22.55
- - -
-34.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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