Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Statistics

Total Valuation

MSBI has a market cap or net worth of $549.91 million. The enterprise value is $877.18 million.

Market Cap	549.91M
Enterprise Value	877.18M

Important Dates

The last earnings date was Thursday, April 23, 2026, after market close.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

MSBI has 20.81 million shares outstanding. The number of shares has decreased by -0.13% in one year.

Current Share Class	20.81M
Shares Outstanding	20.81M
Shares Change (YoY)	-0.13%
Shares Change (QoQ)	-2.53%
Owned by Insiders (%)	4.77%
Owned by Institutions (%)	70.48%
Float	19.58M

Valuation Ratios

The trailing PE ratio is 22.08 and the forward PE ratio is 9.02.

PE Ratio	22.08
Forward PE	9.02
PS Ratio	1.90
Forward PS	1.66
PB Ratio	1.16
P/TBV Ratio	1.20
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	34.12
EV / Sales	3.20
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 6.22%.

Return on Equity (ROE)	6.22%
Return on Assets (ROA)	0.51%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.84%
Revenue Per Employee	$318,778
Profits Per Employee	$29,862
Employee Count	861
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MSBI has paid $11.89 million in taxes.

Income Tax	11.89M
Effective Tax Rate	25.27%

Stock Price Statistics

The stock price has increased by +48.99% in the last 52 weeks. The beta is 0.56, so MSBI's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	+48.99%
50-Day Moving Average	22.56
200-Day Moving Average	19.67
Relative Strength Index (RSI)	68.74
Average Volume (20 Days)	146,180

Short Selling Information

The latest short interest is 598,924, so 2.88% of the outstanding shares have been sold short.

Short Interest	598,924
Short Previous Month	655,098
Short % of Shares Out	2.88%
Short % of Float	3.06%
Short Ratio (days to cover)	4.22

Income Statement

In the last 12 months, MSBI had revenue of $274.47 million and earned $25.71 million in profits. Earnings per share was $1.18.

Revenue	274.47M
Gross Profit	274.47M
Operating Income	81.29M
Pretax Income	47.05M
Net Income	25.71M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.18

Balance Sheet

The company has $113.66 million in cash and $470.48 million in debt, with a net cash position of -$356.83 million or -$17.14 per share.

Cash & Cash Equivalents	113.66M
Total Debt	470.48M
Net Cash	-356.83M
Net Cash Per Share	-$17.14
Equity (Book Value)	558.95M
Book Value Per Share	21.54
Working Capital	-5.47B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	29.62%
Pretax Margin	17.14%
Profit Margin	12.81%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 4.92%.

Dividend Per Share	$1.28
Dividend Yield	4.92%
Dividend Growth (YoY)	2.42%
Years of Dividend Growth	10
Payout Ratio	107.87%
Buyback Yield	0.13%
Shareholder Yield	5.25%
Earnings Yield	4.94%
FCF Yield	n/a

Analyst Forecast

The average price target for MSBI is $22.83, which is -13.59% lower than the current price. The consensus rating is "Hold".

Price Target	$22.83
Price Target Difference	-13.59%
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