Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	494	448	524	594	591	547
Market Cap Growth	26.95%	-14.55%	-11.70%	0.44%	8.18%	37.02%
Enterprise Value	808.82	637.59	763.97	848.67	851.66	735.1
Last Close Price	23.00	21.17	24.40	27.56	26.62	24.79
PE Ratio	-	-3.46	18.48	11.83	6.22	6.94
Forward PE	8.67	7.72	9.04	8.98	7.31	7.59
PEG Ratio	-	1.28	1.28	1.28	1.28	1.28
PS Ratio	1.86	3.10	3.05	2.69	2.34	2.02
PB Ratio	1.07	0.79	0.74	0.83	0.78	0.82
P/TBV Ratio	0.89	0.82	0.75	0.85	0.79	0.84
P/FCF Ratio	4.10	3.72	3.09	4.11	2.09	1.65
P/OCF Ratio	3.93	3.57	2.97	3.87	2.07	1.63
EV/Sales Ratio	3.05	4.40	4.44	3.84	3.37	2.71
EV/EBITDA Ratio	-	78.56	84.88	89.00	83.07	64.70
EV/FCF Ratio	6.72	5.30	4.50	5.87	3.02	2.22
Debt / Equity Ratio	0.14	0.14	0.18	0.20	0.20	0.28
Debt / EBITDA Ratio	9.72	9.72	14.33	15.12	14.61	16.59
Debt / FCF Ratio	0.66	0.66	0.76	1.00	0.53	0.57
Net Debt / Equity Ratio	0.14	0.14	0.18	0.20	0.20	0.28
Net Debt / EBITDA Ratio	9.72	9.72	14.33	15.12	14.61	16.59
Net Debt / FCF Ratio	0.66	0.66	0.76	1.00	0.53	0.57
Asset Turnover	0.02	0.02	0.02	0.03	0.03	0.04
Return on Equity (ROE)	-19.47%	-19.47%	5.34%	8.30%	14.09%	12.65%
Earnings Yield	-27.09%	-28.91%	5.41%	8.45%	16.08%	14.40%
FCF Yield	24.37%	26.85%	32.35%	24.35%	47.75%	60.68%
Dividend Yield	5.57%	5.99%	5.11%	4.36%	4.36%	4.52%
Payout Ratio	-	-20.78%	92.93%	50.87%	26.71%	30.96%
Buyback Yield / Dilution	-0.44%	-0.44%	1.75%	1.21%	0.67%	3.42%
Total Shareholder Return	5.13%	5.55%	6.85%	5.57%	5.03%	7.94%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q