Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Statistics

Total Valuation

MSBI has a market cap or net worth of $477.59 million. The enterprise value is $922.08 million.

Market Cap	477.59M
Enterprise Value	922.08M

Important Dates

The next confirmed earnings date is Thursday, January 22, 2026, after market close.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Nov 14, 2025

Share Statistics

MSBI has 21.55 million shares outstanding. The number of shares has increased by 0.24% in one year.

Current Share Class	21.55M
Shares Outstanding	21.55M
Shares Change (YoY)	+0.24%
Shares Change (QoQ)	+0.20%
Owned by Insiders (%)	4.78%
Owned by Institutions (%)	65.92%
Float	20.28M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.99
PS Ratio	2.29
Forward PS	1.53
PB Ratio	1.01
P/TBV Ratio	1.05
P/FCF Ratio	2.64
P/OCF Ratio	2.54
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	4.38
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.10

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.40
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -21.70%.

Return on Equity (ROE)	-21.70%
Return on Assets (ROA)	-2.08%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$235,176
Profits Per Employee	-$179,624
Employee Count	896
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MSBI has paid $1.60 million in taxes.

Income Tax	1.60M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -5.10% in the last 52 weeks. The beta is 0.64, so MSBI's price volatility has been lower than the market average.

Beta (5Y)	0.64
52-Week Price Change	-5.10%
50-Day Moving Average	18.51
200-Day Moving Average	17.62
Relative Strength Index (RSI)	75.94
Average Volume (20 Days)	195,335

Short Selling Information

The latest short interest is 443,096, so 2.06% of the outstanding shares have been sold short.

Short Interest	443,096
Short Previous Month	486,386
Short % of Shares Out	2.06%
Short % of Float	2.19%
Short Ratio (days to cover)	1.96

Income Statement

In the last 12 months, MSBI had revenue of $210.72 million and -$160.94 million in losses. Loss per share was -$7.38.

Revenue	210.72M
Gross Profit	210.72M
Operating Income	28.93M
Pretax Income	-150.56M
Net Income	-160.94M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$7.38

Balance Sheet

The company has $170.06 million in cash and $614.55 million in debt, with a net cash position of -$444.50 million or -$20.62 per share.

Cash & Cash Equivalents	170.06M
Total Debt	614.55M
Net Cash	-444.50M
Net Cash Per Share	-$20.62
Equity (Book Value)	584.00M
Book Value Per Share	21.98
Working Capital	-5.72B

Cash Flow

In the last 12 months, operating cash flow was $188.27 million and capital expenditures -$7.32 million, giving a free cash flow of $180.94 million.

Operating Cash Flow	188.27M
Capital Expenditures	-7.32M
Free Cash Flow	180.94M
FCF Per Share	$8.40

Margins

Gross Margin	n/a
Operating Margin	13.73%
Pretax Margin	-71.45%
Profit Margin	-72.21%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	85.87%

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 5.78%.

Dividend Per Share	$1.28
Dividend Yield	5.78%
Dividend Growth (YoY)	1.61%
Years of Dividend Growth	10
Payout Ratio	n/a
Buyback Yield	-0.24%
Shareholder Yield	5.51%
Earnings Yield	-33.70%
FCF Yield	37.89%

Analyst Forecast

The average price target for MSBI is $19.67, which is -11.24% lower than the current price. The consensus rating is "Hold".

Price Target	$19.67
Price Target Difference	-11.24%
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