Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Statistics

Total Valuation

MSBI has a market cap or net worth of $342.54 million. The enterprise value is $660.71 million.

Market Cap	342.54M
Enterprise Value	660.71M

Important Dates

The next confirmed earnings date is Thursday, October 30, 2025, after market close.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

MSBI has 21.54 million shares outstanding. The number of shares has decreased by -0.33% in one year.

Current Share Class	21.54M
Shares Outstanding	21.54M
Shares Change (YoY)	-0.33%
Shares Change (QoQ)	+0.11%
Owned by Insiders (%)	4.13%
Owned by Institutions (%)	66.50%
Float	20.11M

Valuation Ratios

PE Ratio	n/a
Forward PE	6.29
PS Ratio	1.54
Forward PS	1.07
PB Ratio	0.74
P/TBV Ratio	0.77
P/FCF Ratio	2.33
P/OCF Ratio	2.21
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	2.95
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	4.50

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.41
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -20.49%.

Return on Equity (ROE)	-20.49%
Return on Assets (ROA)	-1.87%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$250,357
Profits Per Employee	-$165,453
Employee Count	896
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MSBI has paid $2.38 million in taxes.

Income Tax	2.38M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -27.20% in the last 52 weeks. The beta is 0.70, so MSBI's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	-27.20%
50-Day Moving Average	17.60
200-Day Moving Average	18.42
Relative Strength Index (RSI)	26.34
Average Volume (20 Days)	129,804

Short Selling Information

The latest short interest is 433,974, so 2.01% of the outstanding shares have been sold short.

Short Interest	433,974
Short Previous Month	430,713
Short % of Shares Out	2.01%
Short % of Float	2.16%
Short Ratio (days to cover)	3.25

Income Statement

In the last 12 months, MSBI had revenue of $224.32 million and -$148.25 million in losses. Loss per share was -$6.82.

Revenue	224.32M
Gross Profit	224.32M
Operating Income	42.68M
Pretax Income	-136.91M
Net Income	-148.25M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$6.82

Balance Sheet

The company has $181.79 million in cash and $499.96 million in debt, giving a net cash position of -$318.17 million or -$14.77 per share.

Cash & Cash Equivalents	181.79M
Total Debt	499.96M
Net Cash	-318.17M
Net Cash Per Share	-$14.77
Equity (Book Value)	573.71M
Book Value Per Share	21.53
Working Capital	-5.89B

Cash Flow

In the last 12 months, operating cash flow was $154.79 million and capital expenditures -$8.06 million, giving a free cash flow of $146.73 million.

Operating Cash Flow	154.79M
Capital Expenditures	-8.06M
Free Cash Flow	146.73M
FCF Per Share	$6.81

Margins

Gross Margin	n/a
Operating Margin	19.02%
Pretax Margin	-61.03%
Profit Margin	-62.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	65.41%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 7.80%.

Dividend Per Share	$1.24
Dividend Yield	7.80%
Dividend Growth (YoY)	1.63%
Years of Dividend Growth	9
Payout Ratio	n/a
Buyback Yield	0.33%
Shareholder Yield	8.12%
Earnings Yield	-43.28%
FCF Yield	42.84%

Analyst Forecast

The average price target for MSBI is $20.67, which is 30.00% higher than the current price. The consensus rating is "Hold".

Price Target	$20.67
Price Target Difference	30.00%
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	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

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