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Midland States Bancorp, Inc. MSBI

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Price alert · MSBI

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33.34 USD +0.53 +1.62%

At close · Nov 2

33.34 0.00 0.00%

After hours · Nov 2, 4:10 PM ET

Bid
33.33 × 2
Ask
33.39 × 2
33.01 Day range 33.70
14.52 52-week range 35.10
YTD
+57.49%
1 year
+127.73%
Open
33.14
Prev close
32.81
Mkt cap
693.55M
Vol
109.83K
Avg vol
161.22K
EPS
2.27
P/E
14.69
Div yield
5.04%
More statistics
Low
33.01
High
33.70
Forward P/E
8.84
Beta
0.72
Short ratio
2.96
Inst. own
62.77%
Dividend
1.24
Ex-div date
Nov 17, 2024
Earnings
Jan 23, 2025
50-d avg
25.62
200-d avg
23.61
1y target
28.13

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Financial health

Altman Z-Score

0.18 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 2
  • P/B 3

Valuation

P/E -3.4×
FY 2016: 16.3×FY 2017: 36.5×FY 2018: 13.2×FY 2019: 12.7×FY 2020: 18.8×FY 2021: 6.9×FY 2022: 6.3×FY 2023: 11.8×FY 2024: 18.5×FY 2025: -3.4×
FY 2016 5y median 6.9× FY 2025
P/S 1.0×
FY 2016: 2.7×FY 2017: 2.7×FY 2018: 1.8×FY 2019: 2.2×FY 2020: 1.3×FY 2021: 1.8×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
P/B 0.8×
FY 2016: 1.6×FY 2017: 1.3×FY 2018: 0.8×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 3.8×
FY 2016: 23.3×FY 2017: 9.0×FY 2018: 5.8×FY 2019: 1.3×FY 2020: 0.8×FY 2021: 1.7×FY 2022: 2.4×FY 2023: 4.2×FY 2024: 3.1×FY 2025: 3.8×
FY 2016 5y median 3.1× FY 2025
EV/EBITDA -7.8×
FY 2016: 11.7×FY 2017: 27.8×FY 2018: 17.4×FY 2019: 11.7×FY 2020: 21.5×FY 2021: 3.6×FY 2022: 7.4×FY 2023: 10.7×FY 2024: 14.0×FY 2025: -7.8×
FY 2016 5y median 7.4× FY 2025
EV/Sales 1.5×
FY 2016: 3.9×FY 2017: 5.3×FY 2018: 4.0×FY 2019: 3.3×FY 2020: 3.5×FY 2021: 1.3×FY 2022: 2.5×FY 2023: 2.1×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
FCF Yield 26.0%
FY 2016: 4.3%FY 2017: 11.1%FY 2018: 17.4%FY 2019: 75.8%FY 2020: 119.1%FY 2021: 59.5%FY 2022: 41.0%FY 2023: 23.9%FY 2024: 32.1%FY 2025: 26.0%
FY 2016 5y median 32.1% FY 2025

Profitability

Gross Margin 57.4%
FY 2016: 88.7%FY 2017: 84.3%FY 2018: 82.1%FY 2019: 76.5%FY 2020: 71.5%FY 2021: 89.3%FY 2022: 69.6%FY 2023: 50.7%FY 2024: 43.2%FY 2025: 57.4%
FY 2016 5y median 57.4% FY 2025
Operating Margin -22.1%
FY 2016: 26.4%FY 2017: 12.6%FY 2018: 17.2%FY 2019: 22.2%FY 2020: 10.1%FY 2021: 31.6%FY 2022: 30.1%FY 2023: 17.3%FY 2024: 8.6%FY 2025: -22.1%
FY 2016 5y median 17.3% FY 2025
Net Margin -26.6%
FY 2016: 16.5%FY 2017: 7.6%FY 2018: 13.4%FY 2019: 17.1%FY 2020: 7.1%FY 2021: 26.0%FY 2022: 23.0%FY 2023: 12.0%FY 2024: 7.0%FY 2025: -26.6%
FY 2016 5y median 12.0% FY 2025
ROE -22.0%
FY 2016: 9.8%FY 2017: 3.6%FY 2018: 6.5%FY 2019: 8.4%FY 2020: 3.6%FY 2021: 12.2%FY 2022: 13.2%FY 2023: 7.7%FY 2024: 5.4%FY 2025: -22.0%
FY 2016 5y median 7.7% FY 2025
ROIC -9.5%
FY 2016: 3.8%FY 2017: 1.3%FY 2018: 2.5%FY 2019: 3.6%FY 2020: 1.3%FY 2021: 6.6%FY 2022: 7.1%FY 2023: 4.2%FY 2024: 3.2%FY 2025: -9.5%
FY 2016 5y median 4.2% FY 2025
ROA -1.9%
FY 2016: 1.0%FY 2017: 0.4%FY 2018: 0.7%FY 2019: 0.9%FY 2020: 0.3%FY 2021: 1.1%FY 2022: 1.3%FY 2023: 0.8%FY 2024: 0.5%FY 2025: -1.9%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -14.4%
FY 2016: 9.8%FY 2017: 10.0%FY 2018: 40.0%FY 2019: 10.9%FY 2020: -3.4%FY 2021: -0.9%FY 2022: 39.4%FY 2023: 16.5%FY 2024: 7.4%FY 2025: -14.4%
FY 2016 FY 2025
Operating Income -320.1%
FY 2016: 42.0%FY 2017: -47.5%FY 2018: 91.9%FY 2019: 42.6%FY 2020: -55.8%FY 2021: 209.6%FY 2022: 32.6%FY 2023: -33.1%FY 2024: -46.7%FY 2025: -320.1%
FY 2016 FY 2025
EPS (diluted) -565.2%
FY 2016: 33.1%FY 2017: -59.9%FY 2018: 90.8%FY 2019: 36.1%FY 2020: -58.0%FY 2021: 275.8%FY 2022: 18.5%FY 2023: -44.9%FY 2024: -43.3%FY 2025: -565.2%
FY 2016 FY 2025
Free Cash Flow -29.1%
FY 2016: -67.5%FY 2017: 192.9%FY 2018: 39.8%FY 2019: 493.3%FY 2020: -6.9%FY 2021: -33.2%FY 2022: -26.6%FY 2023: -40.1%FY 2024: 16.3%FY 2025: -29.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.7×
FY 2016: 1.3×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 1.7×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA -2.8×
FY 2016: 3.7×FY 2017: 13.3×FY 2018: 9.7×FY 2019: 4.1×FY 2020: 13.4×FY 2021: -1.2×FY 2022: 3.4×FY 2023: 4.7×FY 2024: 5.1×FY 2025: -2.8×
FY 2016 5y median 3.4× FY 2025
Interest Coverage -0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 0.7×FY 2021: 3.3×FY 2022: 2.3×FY 2023: 0.5×FY 2024: 0.2×FY 2025: -0.7×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 7.9%
FY 2016: 1.9%FY 2017: 2.5%FY 2018: 3.9%FY 2019: 3.4%FY 2020: 6.0%FY 2021: 4.5%FY 2022: 4.9%FY 2023: 5.8%FY 2024: 6.8%FY 2025: 7.9%
FY 2016 5y median 5.8% FY 2025
Payout Ratio -29.4%
FY 2016: 31.2%FY 2017: 88.4%FY 2018: 51.5%FY 2019: 42.6%FY 2020: 110.7%FY 2021: 31.0%FY 2022: 29.0%FY 2023: 58.0%FY 2024: 94.6%FY 2025: -29.4%
FY 2016 5y median 31.0% FY 2025

Annual · latest fiscal year ends 2025-12-31