(MSBI) Midland States Bancorp - Ratings and Ratios
Loans, Deposits, Wealth Management, Leasing, Merchant Services
MSBI EPS (Earnings per Share)
MSBI Revenue
Description: MSBI Midland States Bancorp
Midland States Bancorp Inc (NASDAQ:MSBI) is a financial holding company that operates through three main segments: Banking, Wealth Management, and Other. The company provides a diverse range of financial products and services to individuals, businesses, and municipalities, including commercial loans, residential real estate loans, consumer installment loans, and commercial equipment leasing programs.
The companys loan portfolio is diversified across various sectors, including agriculture, commercial real estate, construction, and consumer lending. Its wealth management services include financial planning, investment management, and retirement plan consulting, among others. With a history dating back to 1881, Midland States Bancorp has established itself as a reputable regional bank in the United States.
From a performance perspective, key KPIs to monitor include the companys net interest margin (NIM), return on assets (ROA), and efficiency ratio. A closer look at the companys financials reveals that its return on equity (RoE) is currently negative, at -2.97%. This suggests that the company is facing challenges in generating profits from its equity. Additionally, the price-to-earnings (P/E) ratio of 13.76 indicates that the stock is relatively undervalued compared to its earnings.
Other important metrics to consider include the companys capital adequacy ratio, loan-to-deposit ratio, and asset quality metrics such as non-performing assets (NPAs) and charge-offs. A review of these metrics can provide insights into the companys financial health, risk management, and overall performance. With a market capitalization of $402.55 million, Midland States Bancorp is a relatively small-cap regional bank with potential for growth.
MSBI Stock Overview
| Market Cap in USD | 374m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2016-05-24 |
MSBI Stock Ratings
| Growth Rating | -10.2% |
| Fundamental | 48.0% |
| Dividend Rating | 82.5% |
| Return 12m vs S&P 500 | -26.3% |
| Analyst Rating | 3.0 of 5 |
MSBI Dividends
| Dividend Yield 12m | 6.78% |
| Yield on Cost 5y | 11.07% |
| Annual Growth 5y | 2.99% |
| Payout Consistency | 100.0% |
| Payout Ratio | 91.2% |
MSBI Growth Ratios
| Growth Correlation 3m | 49.4% |
| Growth Correlation 12m | -72.5% |
| Growth Correlation 5y | 3.7% |
| CAGR 5y | 10.32% |
| CAGR/Max DD 5y | 0.23 |
| Sharpe Ratio 12m | -0.40 |
| Alpha | -25.23 |
| Beta | 0.547 |
| Volatility | 30.86% |
| Current Volume | 93.1k |
| Average Volume 20d | 111.1k |
| Stop Loss | 17.8 (-3.4%) |
| Signal | -0.28 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-9.47m TTM) > 0 and > 6% of Revenue (6% = 22.0m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 1.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 389.2% (prev -994.8%; Δ 1384 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 254.6m > Net Income -9.47m (YES >=105%, WARN >=100%) |
| Net Debt (482.9m) to EBITDA (26.6m) ratio: 18.12 <= 3.0 (WARN <= 3.5) |
| Current Ratio 36.56 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (21.8m) change vs 12m ago 0.39% (target <= -2.0% for YES) |
| Gross Margin 49.56% (prev 51.69%; Δ -2.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.94% (prev 6.10%; Δ -1.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.11 (EBITDA TTM 26.6m / Interest Expense TTM 182.7m) >= 6 (WARN >= 3) |
Altman Z'' 1.58
| (A) 0.20 = (Total Current Assets 1.47b - Total Current Liabilities 40.2m) / Total Assets 7.11b |
| (B) 0.03 = Retained Earnings (Balance) 247.7m / Total Assets 7.11b |
| (C) 0.00 = EBIT TTM 20.2m / Avg Total Assets 7.43b |
| (D) 0.12 = Book Value of Equity 799.6m / Total Liabilities 6.53b |
| Total Rating: 1.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.98
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 4.36% = 2.18 |
| 3. FCF Margin 66.74% = 7.50 |
| 4. Debt/Equity 11.72 = -2.50 |
| 5. Debt/Ebitda 252.2 = -2.50 |
| 6. ROIC - WACC 0.54% = 0.67 |
| 7. RoE -1.32% = -0.22 |
| 8. Rev. Trend -32.80% = -1.64 |
| 9. Rev. CAGR 9.66% = 1.21 |
| 10. EPS Trend -48.77% = -1.22 |
| 11. EPS CAGR -20.91% = -2.50 |
What is the price of MSBI shares?
Over the past week, the price has changed by -0.32%, over one month by +6.19%, over three months by +11.43% and over the past year by -13.78%.
Is Midland States Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MSBI is around 18.38 USD . This means that MSBI is currently overvalued and has a potential downside of -0.22%.
Is MSBI a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MSBI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.7 | 6.8% |
| Analysts Target Price | 19.5 | 5.9% |
| ValueRay Target Price | 19.4 | 5.3% |
Last update: 2025-08-22 04:43
MSBI Fundamental Data Overview
CCE Cash And Equivalents = 1.47b USD (Cash And Short Term Investments, last quarter)
P/S = 1.3938
P/B = 0.6513
P/EG = 2.2
Beta = 0.742
Revenue TTM = 367.4m USD
EBIT TTM = 20.2m USD
EBITDA TTM = 26.6m USD
Long Term Debt = 6.71b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 8.65m USD (from shortTermDebt, last quarter)
Debt = 6.72b USD (Calculated: Short Term 8.65m + Long Term 6.71b)
Net Debt = 482.9m USD (from netDebt column, last quarter)
Enterprise Value = 5.63b USD (373.6m + Debt 6.72b - CCE 1.47b)
Interest Coverage Ratio = 0.11 (Ebit TTM 20.2m / Interest Expense TTM 182.7m)
FCF Yield = 4.36% (FCF TTM 245.2m / Enterprise Value 5.63b)
FCF Margin = 66.74% (FCF TTM 245.2m / Revenue TTM 367.4m)
Net Margin = -2.58% (Net Income TTM -9.47m / Revenue TTM 367.4m)
Gross Margin = 49.56% ((Revenue TTM 367.4m - Cost of Revenue TTM 185.3m) / Revenue TTM)
Tobins Q-Ratio = 7.04 (Enterprise Value 5.63b / Book Value Of Equity 799.6m)
Interest Expense / Debt = 0.68% (Interest Expense 45.9m / Debt 6.72b)
Taxrate = 18.88% (from yearly Income Tax Expense: 8.86m / 46.9m)
NOPAT = 16.4m (EBIT 20.2m * (1 - 18.88%))
Current Ratio = 36.56 (Total Current Assets 1.47b / Total Current Liabilities 40.2m)
Debt / Equity = 11.72 (Debt 6.72b / last Quarter total Stockholder Equity 573.7m)
Debt / EBITDA = 252.2 (Net Debt 482.9m / EBITDA 26.6m)
Debt / FCF = 27.41 (Debt 6.72b / FCF TTM 245.2m)
Total Stockholder Equity = 718.1m (last 4 quarters mean)
RoA = -0.13% (Net Income -9.47m, Total Assets 7.11b )
RoE = -1.32% (Net Income TTM -9.47m / Total Stockholder Equity 718.1m)
RoCE = 0.27% (Ebit 20.2m / (Equity 718.1m + L.T.Debt 6.71b))
RoIC = 1.48% (NOPAT 16.4m / Invested Capital 1.11b)
WACC = 0.95% (E(373.6m)/V(7.10b) * Re(8.03%)) + (D(6.72b)/V(7.10b) * Rd(0.68%) * (1-Tc(0.19)))
Shares Correlation 5-Years: -90.0 | Cagr: -0.85%
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 76.57% ; FCFE base≈200.2m ; Y1≈179.4m ; Y5≈152.8m
Fair Price DCF = 128.4 (DCF Value 2.76b / Shares Outstanding 21.5m; 5y FCF grow -12.86% → 3.0% )
Revenue Correlation: -32.80 | Revenue CAGR: 9.66%
Rev Growth-of-Growth: -30.31
EPS Correlation: -48.77 | EPS CAGR: -20.91%
EPS Growth-of-Growth: 45.41
Additional Sources for MSBI Stock
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Fund Manager Positions: Dataroma | Stockcircle