Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Statistics

Total Valuation

MSBI has a market cap or net worth of $355.65 million. The enterprise value is $661.99 million.

Market Cap	355.65M
Enterprise Value	661.99M

Important Dates

The last earnings date was Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	May 16, 2025

Share Statistics

MSBI has 21.52 million shares outstanding. The number of shares has decreased by -0.02% in one year.

Current Share Class	21.52M
Shares Outstanding	21.52M
Shares Change (YoY)	-0.02%
Shares Change (QoQ)	-1.06%
Owned by Insiders (%)	4.21%
Owned by Institutions (%)	65.30%
Float	20.12M

Valuation Ratios

The trailing PE ratio is 10.33 and the forward PE ratio is 6.53.

PE Ratio	10.33
Forward PE	6.53
PS Ratio	1.35
Forward PS	1.14
PB Ratio	0.77
P/TBV Ratio	0.80
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	18.95
EV / Sales	2.47
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.51%.

Return on Equity (ROE)	6.51%
Return on Assets (ROA)	0.60%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$299,183
Profits Per Employee	$38,994
Employee Count	896
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MSBI has paid $9.64 million in taxes.

Income Tax	9.64M
Effective Tax Rate	17.90%

Stock Price Statistics

The stock price has decreased by -30.37% in the last 52 weeks. The beta is 0.74, so MSBI's price volatility has been lower than the market average.

Beta (5Y)	0.74
52-Week Price Change	-30.37%
50-Day Moving Average	17.52
200-Day Moving Average	20.40
Relative Strength Index (RSI)	31.82
Average Volume (20 Days)	111,542

Short Selling Information

The latest short interest is 463,224, so 2.15% of the outstanding shares have been sold short.

Short Interest	463,224
Short Previous Month	450,396
Short % of Shares Out	2.15%
Short % of Float	2.30%
Short Ratio (days to cover)	3.25

Income Statement

In the last 12 months, MSBI had revenue of $268.07 million and earned $34.94 million in profits. Earnings per share was $1.60.

Revenue	268.07M
Gross Profit	268.07M
Operating Income	79.48M
Pretax Income	76.76M
Net Income	34.94M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.60

Balance Sheet

The company has $176.59 million in cash and $482.93 million in debt, giving a net cash position of -$306.34 million or -$14.24 per share.

Cash & Cash Equivalents	176.59M
Total Debt	482.93M
Net Cash	-306.34M
Net Cash Per Share	-$14.24
Equity (Book Value)	573.71M
Book Value Per Share	21.53
Working Capital	-5.77B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	29.65%
Pretax Margin	20.10%
Profit Margin	16.50%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 7.31%.

Dividend Per Share	$1.24
Dividend Yield	7.31%
Dividend Growth (YoY)	1.64%
Years of Dividend Growth	9
Payout Ratio	77.45%
Buyback Yield	0.02%
Shareholder Yield	7.33%
Earnings Yield	9.82%
FCF Yield	n/a

Analyst Forecast

The average price target for MSBI is $20.67, which is 25.05% higher than the current price. The consensus rating is "Hold".

Price Target	$20.67
Price Target Difference	25.05%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

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

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2