Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Statistics

Total Valuation

MSBI has a market cap or net worth of $424.78 million. The enterprise value is $868.63 million.

Market Cap	424.78M
Enterprise Value	868.63M

Important Dates

The next estimated 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 (%)	4.68%
Owned by Institutions (%)	66.58%
Float	20.01M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.55
PS Ratio	2.04
Forward PS	1.32
PB Ratio	0.90
P/TBV Ratio	0.93
P/FCF Ratio	2.34
P/OCF Ratio	2.25
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	4.12
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	4.80

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 -26.89% in the last 52 weeks. The beta is 0.68, so MSBI's price volatility has been lower than the market average.

Beta (5Y)	0.68
52-Week Price Change	-26.89%
50-Day Moving Average	16.44
200-Day Moving Average	17.34
Relative Strength Index (RSI)	74.15
Average Volume (20 Days)	201,206

Short Selling Information

The latest short interest is 523,202, so 2.43% of the outstanding shares have been sold short.

Short Interest	523,202
Short Previous Month	494,238
Short % of Shares Out	2.43%
Short % of Float	2.61%
Short Ratio (days to cover)	2.94

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, giving 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 6.49%.

Dividend Per Share	$1.28
Dividend Yield	6.49%
Dividend Growth (YoY)	1.61%
Years of Dividend Growth	9
Payout Ratio	n/a
Buyback Yield	-0.24%
Shareholder Yield	6.26%
Earnings Yield	-37.95%
FCF Yield	42.66%

Analyst Forecast

The average price target for MSBI is $19.00, which is -3.60% lower than the current price. The consensus rating is "Hold".

Price Target	$19.00
Price Target Difference	-3.60%
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