Midland States Bancorp Inc.

MSBI | NASDAQ

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$33.55

+$0.01 (+0.03%)

At close: Sep 21, 2026, 4:00 PM ET

$33.55

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $696.03M

Enterprise Value $742.38M

Beta 0.64

Average Volume 168.24K

Shares Outstanding (Diluted) 21.07M

Shares Change YoY -3.42%

Institutional Ownership 66.08%

Exchange NASDAQ

ISIN US5977421057

Price Performance

Price Change 1M 2.4%

Price Change 3M 11.1%

Price Change 6M 53.7%

Price Change YTD 58.2%

Price Change 1Y 86.4%

Price Change 3Y 62.7%

Price Change 5Y 39.5%

1M CAGR (ann.) 0.3%

1Y CAGR (ann.) 97.6%

5Y CAGR (ann.) 12.2%

All-Time CAGR 9.0%

Valuation

PE Ratio 20.97

Forward PE 9.81

PEG Ratio 0.13

Forward PEG 12.52

PS Ratio 1.57

Forward PS 2.10

PB Ratio 1.22

P/FCF Ratio 5.95

P/Adj. FCF Ratio 6.11

P/OCF Ratio 5.93

EV/Sales 1.68

EV/EBIT 12.81

EV/EBITDA 11.16

EV/FCF 6.34

Earnings Yield 4.8%

FCF Yield 16.8%

Adj. FCF Yield 16.4%

Financial Health

Net Debt $46.15M

Total Debt $344.89M

Cash & Short-Term Investments $298.75M

Total Assets $6.7B

Current Ratio 0.35

Quick Ratio 0.35

Debt / Equity Ratio 0.61

Debt / EBITDA 5.19

Debt / FCF 2.95

OCF / Debt 0.34

Interest Coverage 0.45

Altman Z-Score -0.50

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 63.9%

Operating Profit Margin 13.1%

EBITDA Margin 15.6%

Net Profit Margin 9.7%

FCF Margin 26.4%

Adj. FCF Margin 25.7%

SBC / Revenue 0.7%

SBC Impact (per share) -2.6%

Returns

Return on Assets 0.6%

Return on Equity 7.5%

Return on Invested Capital 4.4%

Return on Capital Employed 5.9%

Return on Tangible Assets 0.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 0.1%

Revenue CAGR 5Y 7.0%

Revenue CAGR 10Y 10.0%

EPS CAGR 3Y -26.7%

EPS CAGR 5Y -4.8%

EPS CAGR 10Y 0.1%

FCF CAGR 3Y -17.4%

FCF CAGR 5Y -27.9%

FCF CAGR 10Y -0.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $31.19

Graham Upside -7.0%

Lynch Fair Value $8

Lynch Upside -76.2%

Price Target $34

Price Target Upside 1.3%

Cash Flow

Operating Cash Flow $117.95M

Free Cash Flow $117.06M

Adj. Free Cash Flow $113.99M

FCF Per Share $5.52

OCF Per Share $5.66

OCF/S Ratio 26.9%

Income Statement

Revenue $442.94M

Gross Profit $283.15M

Operating Income $57.96M

EBITDA $66.51M

Net Income $43.02M

EPS (Diluted) $1.60

Revenue / Employee $521.11K

Profit / Employee $50.61K

Employees 850

Dividends

Annual Dividend $1.29

Dividend Yield 3.85%

Payout Ratio 80.6%

FCF Payout Ratio 31.4%

Adj. FCF Payout Ratio 32.2%

Dividend Growth (YoY) 3.2%

Pay Frequency Quarterly

Ex-Dividend Date Aug 13, 2026