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MIDLAND STATES BANCORP INC

MSBINASDAQ
πŸ† #2668 by market capEarnings Oct 29US Equity
$32.16β–Ό $0.23 (βˆ’0.71%)
Market closed Β· at close
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24hβ–Ό 0.7%
7dβ–Ό 2.8%
14dβ–Ό 4.4%
30dβ–Ό 1.3%
ytdβ–² 51.8%
1yβ–² 91.0%
🏦Market Cap
$667M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-14.4%
Declining
πŸ“ŠGross Margin
63.9%
High
πŸ’΅FCF Margin
26.3%
Strong
βš–οΈP/S Ratio
1.5x
Cheap
Otter Score
80
Good

Trading Snapshot

Day Range
$31.74 – $32.60
52-Week Range
$14.24 – $35.10
Volume
$4.79B
Avg Volume
$5.98B
Shares Outstanding
20.8M
Next Earnings
Nov 1, 2026

Fundamentals Snapshot

Annual Revenue
$468M
Last Q Revenue
$112M
P/E Ratio
20.1
P/S Ratio
1.5x
EPS (TTM)
$2.04
Dividend Yield
4.01%
Dilution (1yr)
+0.8%

Why Investors Own MSBI

  • βœ“High-growth profile β€” revenue up +24.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 48% gross margin and 4% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

MSBI logo

MIDLAND STATES BANCORP INC

MSBI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$468Mβ–Ό βˆ’14.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
57.4%β–² +32.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$103Mβ–Ό βˆ’320.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$120Mβ–Ό βˆ’29.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
21.9Mβ–² +0.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$253Mβ–² +$56M YoY
StockOtter Β· stockotter.space

About MIDLAND STATES BANCORP INC

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 in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various 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, including 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 comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Ratings

β“˜
Consensus
Hold
10 analysts
Strong Buy0
Buy0
Hold7
Sell1
Strong Sell2
Ratings as of Sep 2026

Latest News & Updates

Zacks Investment ResearchΒ·6d ago

Midland States Bancorp (MSBI) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Midland States Bancorp (MSBI) have what it takes?

Defense WorldΒ·14d ago

Reviewing Origin Bancorp (NYSE:OBK) and Midland States Bancorp (NASDAQ:MSBI)

Midland States Bancorp (NASDAQ: MSBI - Get Free Report) and Origin Bancorp (NYSE: OBK - Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based

Defense WorldΒ·29d ago

Deutsche Bank AG Acquires Shares of 18,971 Midland States Bancorp, Inc. $MSBI

Deutsche Bank AG bought a new position in Midland States Bancorp, Inc. (NASDAQ: MSBI) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The

Defense WorldΒ·Aug 30

69,309 Shares in Midland States Bancorp, Inc. $MSBI Bought by Connor Clark & Lunn Investment Management Ltd.

Connor Clark and Lunn Investment Management Ltd. acquired a new stake in Midland States Bancorp, Inc. (NASDAQ: MSBI) during the second quarter, according to its most recent Form 13F filing with the SEC. The firm acquired

Defense WorldΒ·Aug 27

Algert Global LLC Purchases 63,314 Shares of Midland States Bancorp, Inc. $MSBI

Algert Global LLC lifted its position in Midland States Bancorp, Inc. (NASDAQ: MSBI) by 46.1% in the undefined quarter, according to its most recent 13F filing with the SEC. The institutional investor owned 200,545 share

Seeking AlphaΒ·Aug 18

Midland States Bancorp: Improving Asset Quality Drives Earnings

Midland States Bancorp is rated buy, driven by improving asset quality and lower credit provisions supporting higher earnings. MSBI's 4% dividend yield and 26 consecutive years of dividend growth, alongside ongoing share