Price Alert

Midland States Bancorp In... (MSBI)

NASDAQ: MSBI · Real-Time Price · USD

18.42

0.02 (0.11%)

At close: Aug 29, 2025, 3:59 PM

18.42

0.00%

After-hours: Aug 29, 2025, 04:20 PM EDT

Midland States Bancorp Statistics

Share Statistics

Midland States Bancorp has 21.54M shares outstanding. The number of shares has increased by 0.04% in one year.

Shares Outstanding	21.54M
Shares Change (YoY)	0.04%
Shares Change (QoQ)	0%
Owned by Institutions (%)	63.33%
Shares Floating	20.25M
Failed to Deliver (FTD) Shares	4
FTD / Avg. Volume	n/a

Short Selling Information

The latest short interest is 427.04K, so 1.98% of the outstanding shares have been sold short.

Short Interest	427.04K
Short % of Shares Out	1.98%
Short % of Float	2.05%
Short Ratio (days to cover)	3.24

Valuation Ratios

The PE ratio is 13.9 and the forward PE ratio is 7.02. Midland States Bancorp's PEG ratio is -0.32.

PE Ratio	13.9
Forward PE	7.02
PS Ratio	0.97
Forward PS	1.3
PB Ratio	0.74
P/FCF Ratio	3.12
PEG Ratio	-0.32

Financial Ratio History

Enterprise Valuation

Midland States Bancorp has an Enterprise Value (EV) of 899.4M.

EV / Sales	1.65
EV / EBITDA	19.18
EV / EBIT	5.09
EV / FCF	5.3

Financial Position

The company has a current ratio of 15.17, with a Debt / Equity ratio of 0.68.

Current Ratio	15.17
Quick Ratio	15.17
Debt / Equity	0.68
Debt / EBITDA	10.33
Debt / FCF	2.86
Interest Coverage	0.25

Financial Efficiency

Return on Equity is 5.35% and Return on Invested Capital is 2.39%.

Return on Equity	5.35%
Return on Assets	0.51%
Return on Invested Capital	2.39%
Revenue Per Employee	$602.04K
Profits Per Employee	$41.94K
Employee Count	907
Asset Turnover	0.07
Inventory Turnover	n/a

Taxes

Income Tax	8.86M
Effective Tax Rate	18.88%

Stock Price Statistics

The stock price has increased by -19.1% in the last 52 weeks. The beta is 0.74, so Midland States Bancorp's price volatility has been higher than the market average.

Beta	0.74
52-Week Price Change	-19.1%
50-Day Moving Average	17.89
200-Day Moving Average	19.73
Relative Strength Index (RSI)	58.52
Average Volume (20 Days)	130,701

Income Statement

In the last 12 months, Midland States Bancorp had revenue of 546.05M and earned 38.04M in profits. Earnings per share was 1.32.

Revenue	546.05M
Gross Profit	235.94M
Operating Income	46.9M
Net Income	38.04M
EBITDA	46.9M
EBIT	46.9M
Earnings Per Share (EPS)	1.32

Full Income Statement

Balance Sheet

The company has 114.06M in cash and 484.56M in debt, giving a net cash position of -370.51M.

Cash & Cash Equivalents	114.06M
Total Debt	484.56M
Net Cash	-370.51M
Retained Earnings	247.7M
Total Assets	7.11B
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 176.55M and capital expenditures -6.9M, giving a free cash flow of 169.65M.

Operating Cash Flow	176.55M
Capital Expenditures	-6.9M
Free Cash Flow	169.65M
FCF Per Share	7.83

Full Cash Flow Statement

Margins

Gross margin is 43.21%, with operating and profit margins of 8.59% and 6.97%.

Gross Margin	43.21%
Operating Margin	8.59%
Pretax Margin	8.59%
Profit Margin	6.97%
EBITDA Margin	8.59%
EBIT Margin	8.59%
FCF Margin	31.07%

Dividends & Yields

MSBI pays an annual dividend of $1.56, which amounts to a dividend yield of 7.2%.

Dividend Per Share	$1.56
Dividend Yield	7.2%
Dividend Growth (YoY)	0%
Payout Ratio	-25.24%
Earnings Yield	7.19%
FCF Yield	32.08%

Dividend Details

Analyst Forecast

The average price target for MSBI is $21, which is 14% higher than the current price. The consensus rating is "Hold".

Price Target	$21
Price Target Difference	14%
Analyst Consensus	Hold
Analyst Count	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$8.98
Lynch Upside	-51.25%
Graham Number	35.99
Graham Upside	95.39%

Scores

Altman Z-Score	0.13
Piotroski F-Score	6