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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 $31.49, about 30.8% overvalued vs fair value, +81.9% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth -18.5% ROE -19.5% Gross Margin 92.4% Div Yield 8.02%
USD 31.49
2.07%
(Delayed)
• Vol 90d: 27.6%
52-Week Range
Market Cap
$624.80M
Enterprise Value
$930.23M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$12
$22
$41
Current: $31.49 -31% 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
11
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
6
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For informational purposes only. Not investment advice.

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 (11.0%), Profitability (47.6%), and Safety (41.4%). Growth 11% Safety 41% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

6th percentile vs peers
7
Key Signals
NII Growth YoY 0.2% 18p Equity Growth YoY -24.2% 2p Asset Growth YoY -13.2% 1p EPS Growth YoY -5.54 1p
Strengths

No notable strengths identified for this axis.

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

29th percentile vs peers
30
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..

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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
$21.79
- - -
-30.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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