Midland States Bancorp Inc.

MSBIP | NASDAQ

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$25.36

-$0.09 (-0.35%)

At close: Sep 22, 2026, 4:00 PM ET

$25.31

-$0.05 (-0.20%)

After-hours: Sep 22, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $703.5M

Enterprise Value $-329.71M

Beta 0.64

Average Volume N/A

Shares Outstanding (Diluted) 21.82M

Shares Change YoY 0.39%

Institutional Ownership N/A

Exchange N/A

ISIN N/A

Price Performance

Price Change 1M N/A

Price Change 3M N/A

Price Change 6M N/A

Price Change YTD N/A

Price Change 1Y N/A

Price Change 3Y N/A

Price Change 5Y N/A

1M CAGR (ann.) 2.4%

1Y CAGR (ann.) 14.1%

5Y CAGR (ann.) N/A

All-Time CAGR 8.5%

Valuation

PE Ratio 15.81

Forward PE 9.47

PEG Ratio 0.13

Forward PEG 12.52

PS Ratio 1.61

Forward PS 2.10

PB Ratio 1.23

P/FCF Ratio 3.92

P/Adj. FCF Ratio 3.99

P/OCF Ratio 4.50

EV/Sales -0.75

EV/EBIT 3.21

EV/EBITDA 3.54

EV/FCF -1.84

Earnings Yield 6.3%

FCF Yield 25.5%

Adj. FCF Yield 25.1%

Financial Health

Net Cash $1.13B

Total Debt $493.04M

Cash & Short-Term Investments $1.53B

Total Assets $7.11B

Current Ratio 0.35

Quick Ratio 0.35

Debt / Equity Ratio 0.61

Debt / EBITDA -5.29

Debt / FCF 2.75

OCF / Debt 0.37

Interest Coverage 0.45

Altman Z-Score -0.53

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 63.9%

Operating Profit Margin 16.2%

EBITDA Margin 15.6%

Net Profit Margin 9.7%

FCF Margin 41.0%

Adj. FCF Margin 40.3%

SBC / Revenue 0.7%

SBC Impact (per share) -1.8%

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 10.6%

Revenue CAGR 5Y 6.0%

Revenue CAGR 10Y 12.9%

EPS CAGR 3Y -24.7%

EPS CAGR 5Y 0.0%

EPS CAGR 10Y 10.2%

FCF CAGR 3Y -12.7%

FCF CAGR 5Y -22.0%

FCF CAGR 10Y 29.4%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.89

EPS Growth Est (next Q) 156.9%

Revenue Est (next Q) $83.81M

Revenue Growth Est (next Q) -27.4%

Fair Value Estimates

Graham Number $31.29

Graham Upside 22.9%

Lynch Fair Value $8.05

Lynch Upside -68.4%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $184.32M

Free Cash Flow $179.5M

Adj. Free Cash Flow $176.34M

FCF Per Share $5.52

OCF Per Share $5.66

OCF/S Ratio 26.9%

Income Statement

Revenue $437.28M

Gross Profit $249.47M

Operating Income $70.92M

EBITDA $-93.16M

Net Income $44.23M

EPS (Diluted) $1.61

Revenue / Employee N/A

Profit / Employee N/A

Employees N/A

Dividends

Annual Dividend $1.94

Dividend Yield 7.62%

Payout Ratio 120.3%

FCF Payout Ratio 20.1%

Adj. FCF Payout Ratio 20.4%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026