Skip to content
Company Analysis

Midland States Bancorp, Inc. - MSBIP

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

Overview of Midland States Bancorp, Inc.

MSBIP NMS
Financial Services Banks - Regional Framework: Banks & Lenders
Midland States Bancorp, Inc. (MSBIP), in the Banks - Regional industry, last closed at $24.93, about 0.0% overvalued vs fair value, +5.4% 1Y return, ranked 363/1078 in sector.
Metrics Rev Growth -18.5% ROE -19.5% Gross Margin 92.4%
USD 24.93
-0.34%
(Delayed)
• Vol 90d: 8.5%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Good
Completeness: 94%
Confidence: 87%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

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

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Weak
4
Premium

Signals, strengths and risks for Deposit Franchise

Premium

Signals, strengths and risks for Lending Advantage

Premium

Signals, strengths and risks for Capital Strength

Premium

Signals, strengths and risks for Cost Discipline

Premium

Signals, strengths and risks for Revenue Diversification

Premium

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 83% Coverage
Trade-Off Triangle Visualization A ternary plot showing MSBIP's balance between Growth (13.6%), Profitability (40.4%), and Safety (46.0%). Growth 14% Safety 46% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

7th percentile vs peers
8
Key Signals
NII Growth YoY 0.2% 17p Equity Growth YoY -24.2% 2p Asset Growth YoY -13.2% 1p
Strengths
  • Net Interest Margin in top 20% of peers (3.6%, 81th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 7)
  • 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%)

Profitability

22th percentile vs peers
23
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

25th percentile vs peers
26
Key Signals
Strengths
Safety drilldowns are available to premium members.

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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
-
- - -
- upside
-
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000