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Midland States Bancorp, Inc. (MSBI)

Profile

Full Name

Midland States Bancorp, Inc.

Ticker

NASDAQ: MSBI

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

May 24, 2016

Indexes

Not included

Website

https://www.midlandsb.com

Employees

864

Key Details

Price

$17.70(-0.28%)

Market cap

$381.32M(Small cap)

Last Dividend

$0.32

TTM Dividend yield

7.06%

Annual revenue

$559.30M(+5.22% YoY)

Annual EPS

$1.32(-43.35% YoY)

PE ratio

-

Next earnings date

Oct 23, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $17.70
    MSBI price is $17.70

    30-Day Relative Volume

    0.78
    MSBI 30-day relative volume is 0.78

    Price Performance

    Price Most recent change

    -0.28%
    MSBI price was down -0.28% on Sep 24, 2025

    Price YTD change

    -27.46%
    MSBI price is down -27.46% since January 1st

    Price 1-year change

    -20.09%
    MSBI price is down -20.09% year-on-year

    Price 3-year change

    -28.4%
    MSBI price is down -28.4% over the past 3 years

    Price Range

    Price All-time high

    $37.58
    MSBI price is currently -52.90% below its historical high of $37.58

    Price 3-year low

    $14.79
    MSBI price is currently +19.68% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $381.32M
    MSBI market capitalization is $381.32 million

    Market cap 3-year change

    -30.1%
    MSBI market capitalization is down -30.1% over the past 3 years

    Market cap All-time high

    $849.56M
    MSBI market capitalization is currently -55.12% below its historical high of $849.56 million

    Market cap sector rank

    46.53%
    MSBI market capitalization is higher than 46.53% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.7%
    MSBI shares outstanding is up +0.7% year-on-year

    Shares Outstanding 3-Year Change

    -2.37%
    MSBI shares outstanding is down -2.37% over the past 3 years

    Technical Indicators

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    Beta

    0.79
    MSBI beta is 0.79

    200-day SMA

    $18.98
    MSBI price is currently -6.73% below its 200-day simple moving average

    50-day SMA

    $17.91
    MSBI price is currently -1.15% below its 50-day simple moving average

    RSI

    45.71
    MSBI 14-day relative strength index is 45.71

    Volume

    0.78
    MSBI 30-day relative volume is 0.78

    ATR

    $0.49
    MSBI average true range is $0.49

    10-day Historical Volatility

    29.35%
    MSBI 10-day historical volatility is 29.35%

    Dividend

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    Events

    Last Paid Dividend

    $0.32
    MSBI last dividend was $0.32 per share, with an ex-dividend date of August 15, 2025

    Next Dividend

    -
    MSBI next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $1.24
    MSBI annual dividend per share is $1.24

    Dividend per share Sector Rank

    64.14%
    MSBI annual dividend per share is higher than 64.14% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +3.33%
    MSBI annual dividend per share is up +3.33% year-on-year

    Dividend per share 3-Year Change

    +10.71%
    MSBI annual dividend per share is up +10.71% over the past 3 years

    Dividend yield

    Dividend yield

    7.01%
    MSBI annual dividend yield is 7.01%

    Dividend yield Sector Rank

    69.08%
    MSBI annual dividend yield is higher than 69.08% of companies in Financial Services sector

    Other

    Payout ratio

    -95.80%
    MSBI annual payout ratio is -95.80%

    Dividends paid

    -$35.98M
    MSBI annual dividends paid is -$35.98 million

    Free cash flow

    $172.21M
    MSBI annual free cash flow is $172.21 million

    Income Statement

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    Revenue

    Revenue

    $559.30M
    MSBI annual revenue is $559.30 million

    Revenue Analysts estimate

    $317.65M
    MSBI annual revenue is currently +76.07% higher than the consensus analysts' forecast

    Revenue 1-year change

    +5.22%
    MSBI annual revenue is up +5.22% year-on-year

    Revenue Sector rank

    72.48%
    MSBI annual revenue is higher than 72.48% of companies in Financial Services sector

    EPS

    EPS

    $1.32
    MSBI annual earnings per share is $1.32

    EPS Analysts estimate

    $2.23
    MSBI annual earnings per share is currently -40.94% lower than the consensus analysts' forecast

    EPS 1-year change

    -43.35%
    MSBI annual earnings per share is down -43.35% year-on-year

    EPS Sector rank

    55.86%
    MSBI annual earnings per share is higher than 55.86% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    MSBI annual gross profit is $0.00

    Gross margin

    0.00%
    MSBI annual gross profit margin is 0.00%

    Operating profit

    $46.90M
    MSBI annual operating income is $46.90 million

    Operating margin

    8.39%
    MSBI annual operating profit margin is 8.39%

    Net income

    $37.56M
    MSBI annual net profit is $37.56 million

    Net margin

    6.72%
    MSBI annual net profit margin is 6.72%

    Expenses

    Total expenses

    $521.74M
    MSBI annual total expenses is $521.74 million

    Operating expenses

    -$46.90M
    MSBI annual total operating expenses is -$46.90 million

    Cost of goods sold

    -
    MSBI annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    MSBI annual SGA is $0.00

    Depreciation and amortization

    $13.16M
    MSBI annual depreciation & amortization is $13.16 million

    Interest expense

    $189.78M
    MSBI annual interest expense is $189.78 million

    Income tax

    $8.86M
    MSBI annual income tax is $8.86 million

    EBIT & EBITDA

    EBIT

    $236.68M
    MSBI annual earnings before interest & taxes is $236.68 million

    EBITDA

    $249.84M
    MSBI annual EBITDA is $249.84 million

    Balance Sheet

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    Assets

    Total assets

    $7.51B
    MSBI annual total assets is $7.51 billion

    Non current assets

    $6.77B
    MSBI annual long term assets is $6.77 billion

    Current assets

    $145.04M
    MSBI annual total current assets is $145.04 million

    Cash and cash equivalents

    $114.06M
    MSBI annual cash & cash equivalents is $114.06 million

    Accounts receivable

    $25.33M
    MSBI annual accounts receivable is $25.33 million

    Inventory

    -
    MSBI annual inventory value is unknown

    Liabilities

    Total liabilities

    $6.80B
    MSBI annual total liabilities is $6.80 billion

    Long term liabilities

    $1.17B
    MSBI annual total long term liabilities is $1.17 billion

    Current liabilities

    $5.63B
    MSBI annual total current liabilities is $5.63 billion

    Accounts payable

    $124.27M
    MSBI annual accounts payable is $124.27 million

    Debt

    Total debt

    $484.56M
    MSBI annual total debt is $484.56 million

    Total debt 1-year change

    -27.06%
    MSBI annual total debt is down -27.06% year-on-year

    Long term debt

    $395.30M
    MSBI annual long term debt is $395.30 million

    Short term debt

    $89.27M
    MSBI annual short term debt is $89.27 million

    Equity & Capital

    Shareholders equity

    $710.85M
    MSBI annual stockholders equity is $710.85 million

    Book value

    $600.30M
    MSBI annual book value is $600.30 million

    Retained earnings

    $247.70M
    MSBI annual retained earnings is $247.70 million

    Working capital

    -$5.48B
    MSBI annual working capital is -$5.48 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $179.11M
    MSBI annual cash flow from operations is $179.11 million

    Cash from operations 1-year change

    +16.03%
    MSBI annual cash flow from operations is up +16.03% year-on-year

    Cash from investing

    $134.15M
    MSBI annual cash flow from investing activities is $134.15 million

    Cash from investing 1-year change

    +276.97%
    MSBI annual cash flow from investing activities is up +276.97% year-on-year

    Cash from financing

    -$333.55M
    MSBI annual cash flow from financing activities is -$333.55 million

    Cash from financing 1-year change

    -220.33%
    MSBI annual cash flow from financing activities is down -220.33% year-on-year

    CAPEX

    CAPEX

    $6.90M
    MSBI annual capital expenditures is $6.90 million

    CAPEX 1-year change

    -87.96%
    MSBI annual capital expenditures is down -87.96% year-on-year

    Free Cash Flow

    Free cash flow

    $172.21M
    MSBI annual free cash flow is $172.21 million

    Free cash flow 1-year change

    +77.49%
    MSBI annual free cash flow is up +77.49% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    MSBI annual gross profit margin is 0.00%

    Operating margin

    8.39%
    MSBI annual operating profit margin is 8.39%

    Net margin

    6.72%
    MSBI annual net profit margin is 6.72%

    ROA & ROE

    ROA

    0.49%
    MSBI annual return on assets is 0.49%

    ROE

    5.27%
    MSBI annual return on equity is 5.27%

    Valuation

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    PE Ratio

    PE ratio

    -
    MSBI price to earnings ratio value is unknown

    PE ratio Sector rank

    -
    MSBI price to earnings ratio is unknown

    PB Ratio

    PB ratio

    0.82
    MSBI price to book ratio is 0.82

    PB ratio Sector rank

    18.67%
    MSBI price to book ratio is higher than 18.67% of companies in Financial Services sector

    PS Ratio

    PS ratio

    0.69
    MSBI price to sales ratio is 0.69

    PS ratio Sector rank

    10.87%
    MSBI price to sales ratio is higher than 10.87% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $698.47M
    MSBI enterprise value is $698.47 million

    Enterprise value Sector rank

    52.28%
    MSBI enterprise value is higher than 52.28% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    MSBI EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    MSBI EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    0.03
    MSBI annual current ratio is 0.03

    Quick ratio

    -
    MSBI annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.68
    MSBI annual debt to equity ratio is 0.68

    Interest coverage ratio

    1.25
    MSBI annual interest coverage ratio is 1.25

    Risk & Stability

    Piotroski F-Score

    3
    MSBI piotroski f-score is 3

    Altman Z-Score

    -0.62
    MSBI altman z-score is -0.62

    Analyst ratings

    Recent major analysts updates

    Jul 11, 25 Piper Sandler
    Neutral
    May 2, 25 Keefe, Bruyette & Woods
    Market Perform
    Jan 28, 25 Piper Sandler
    Neutral
    Jan 28, 25 DA Davidson
    Neutral
    Jan 27, 25 Keefe, Bruyette & Woods
    Market Perform
    Dec 4, 24 Keefe, Bruyette & Woods
    Market Perform
    Oct 29, 24 Piper Sandler
    Neutral
    Jul 30, 24 Piper Sandler
    Neutral
    Jul 29, 24 Keefe, Bruyette & Woods
    Market Perform
    Apr 30, 24 Stephens & Co.
    Equal-Weight

    Institutional Ownership

    Screeners with MSBI included

    Growing Shares Outstanding
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    • What is the ticker symbol for Midland States Bancorp, Inc.?
    • Does Midland States Bancorp, Inc. pay dividends?
    • What sector is Midland States Bancorp, Inc. in?
    • What industry is Midland States Bancorp, Inc. in?
    • What country is Midland States Bancorp, Inc. based in?
    • When did Midland States Bancorp, Inc. go public?
    • Is Midland States Bancorp, Inc. in the S&P 500?
    • Is Midland States Bancorp, Inc. in the NASDAQ 100?
    • Is Midland States Bancorp, Inc. in the Dow Jones?
    • When was Midland States Bancorp, Inc.'s last earnings report?
    • When does Midland States Bancorp, Inc. report earnings?

    What is the ticker symbol for Midland States Bancorp, Inc.?

    The ticker symbol for Midland States Bancorp, Inc. is NASDAQ:MSBI

    Does Midland States Bancorp, Inc. pay dividends?

    Yes, Midland States Bancorp, Inc. pays dividends. The last payment was $0.32, with an ex-dividend date on August 15, 2025

    What sector is Midland States Bancorp, Inc. in?

    Midland States Bancorp, Inc. is in the Financial Services sector

    What industry is Midland States Bancorp, Inc. in?

    Midland States Bancorp, Inc. is in the Regional Banks industry

    What country is Midland States Bancorp, Inc. based in?

    Midland States Bancorp, Inc. is headquartered in United States

    When did Midland States Bancorp, Inc. go public?

    Midland States Bancorp, Inc.'s initial public offering (IPO) was on May 24, 2016

    Is Midland States Bancorp, Inc. in the S&P 500?

    No, Midland States Bancorp, Inc. is not included in the S&P 500 index

    Is Midland States Bancorp, Inc. in the NASDAQ 100?

    No, Midland States Bancorp, Inc. is not included in the NASDAQ 100 index

    Is Midland States Bancorp, Inc. in the Dow Jones?

    No, Midland States Bancorp, Inc. is not included in the Dow Jones index

    When was Midland States Bancorp, Inc.'s last earnings report?

    Midland States Bancorp, Inc.'s most recent earnings report was on July 24, 2025

    When does Midland States Bancorp, Inc. report earnings?

    The next expected earnings date for Midland States Bancorp, Inc. is October 23, 2025
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