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MSBI
Midland States Bancorp, Inc. – NASDAQ
Weekly Share Price & Valuation Overview
Market Overview
Open
17.4928
Close
17.0410
High
17.6893
Low
16.9625
Trend
0.25066

Midland States Bancorp, Inc.

United States • NASDAQ - Nasdaq • MSBI • Currency: USD

Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates through the Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include a variety of property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans comprising loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans, including first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products, including checking, savings, money market, certificates of deposits, and sweep accounts; trust and wealth management products and services comprising financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.

Key strengths
  • Growth + profitability: double-digit revenue and profit margins.
  • Healthy operating margin (≥15%) indicates efficient core operations.
  • Double-digit profit margin (≥10%) supports robust bottom-line economics.
  • Revenue growth ≥10% indicates solid top-line momentum.
Scale & Structure Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
Market Cap Total equity value of the company (share price × shares outstanding).
USD 373.64M
Enterprise Value Operating value: market cap + total debt − cash.
USD 790.18M
Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
USD 268.07M
Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
USD 12.28
EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
-6.18
Dividend Yield Annual dividend ÷ share price. Reconciled using dividend per share when available.
7.38%
Shares Outstanding
21.54M
Float Shares
20.12M
Implied Shares Outstanding
21.54M
Profitability & Efficiency TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful.
Operating Margin (TTM) Strong Operating income ÷ revenue over the last twelve months (reconciled when possible).
26.39%
Profit Margin (TTM) Solid Net income ÷ revenue over the last twelve months (reconciled when possible).
16.50%
ROA Return on assets: net income ÷ total assets.
0.60%
ROE Return on equity: net income ÷ shareholder equity.
6.51%
Growth Growth rates are YoY unless labeled QoQ.
Revenue Growth Strong Year-over-year revenue growth.
16.00%
Earnings Growth (YoY) Year-over-year earnings growth.
1.20%
Earnings Growth (QoQ) Quarter-over-quarter earnings growth.
78.10%
Liquidity & Solvency Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
Total Cash Cash and equivalents.
USD 176.59M
Total Debt Short + long-term interest-bearing debt.
USD 482.93M
Net Debt Total debt − cash (negative = net cash).
USD 306.34M
Sharemaestro House View
Confidence: 2 Sharemaestro internal conviction (0–3, higher is better). Risk: 3 Sharemaestro internal risk profile (0–3, higher is safer). Operational: 1 Operational quality/consistency (0–3, higher is better). Composite Score: 3 Overall internal composite (0–3, higher is better). Suggested Allocation: 5.00% Indicative portfolio weighting suggestion based on house view.
Structural Insights (experimental)
Ownership & Liquidity
Free Float Proportion of shares available for public trading. 93.4%
Insiders Shares held by company insiders (officers, directors). 5.3%
Institutions Shares held by institutions (funds, pensions). 66.5%
Capital Structure
Potential Dilution Increase in share count if options/convertibles exercise.
None detected
Net Debt Total debt − cash (negative = net cash).
USD 306.34M
114.3% of revenue Net debt relative to revenue — debt load vs business scale.
Resilience Score 0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating. 18
Methodology Notes
  • Gross Profit hidden for financial institutions (often redundant with revenue).
As of: 2025-08-18 10:06

Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.

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