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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 $25.36, about 0.0% overvalued vs fair value, +6.0% 1Y return, ranked 374/1037 in sector.
Metrics Rev Growth 31.3% ROE -19.5% Gross Margin 57.4%
USD 25.36
-0.31%
(Delayed)
• Vol 90d: 7.4%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Completeness: 68%
Confidence: 38%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Dividend Jun 30 Ex-div: Jun 15

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$426.1M
2.2%%
Interest Expense
$151.1M
Net Interest Income
$236.3M
-5%%
Total Revenue
$467.6M
31.2%%
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
4.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$41.5M
144.7% of Net Income

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
18
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
7
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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 (10.5%), Profitability (43.2%), and Safety (46.4%). Growth 10% Safety 46% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

12th percentile vs peers
12
Key Signals
NII Growth YoY -5.0% 22p Equity Growth YoY -0.7% 13p Asset Growth YoY -13.3% 1p
Strengths
  • Efficiency Ratio in top 20% of peers (79.5%, 90th percentile)
  • Dividends/Tangible Equity in top 20% of peers (7.0%, 84th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 12)
  • Equity Growth YoY in bottom 20% of peers (-0.7%)
  • Asset Growth YoY in bottom 20% of peers (-13.3%)

Profitability

51th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
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
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Bull
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Fair Value Range Current: $-
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