NASDAQ: MSBIMidland States Bancorp Inc Stock
$31.70+1.00 (+3.26%)
Updated Jul 16, 2026
MSBI Price
$31.70
Fair Value Price
N/A
Market Cap
$657.13M
52 Week Low
$14.24
52 Week High
$31.82
P/E
26.86x
P/B
1.18x
P/S
1.73x
PEG
0.19x
Dividend Yield
4.04%
Revenue
$274.47M
Earnings
$35.16M
Gross Margin
100%
Operating Margin
17.14%
Profit Margin
9.6%
Debt to Equity
10.72
Operating Cash Flow
$118M
Beta
0.73
Next Earnings
Jul 23, 2026
Ex-Dividend
N/A
Next Dividend
N/A
MSBI Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine MSBI's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
MSBI
Ranked#32 of 289
Ranked#32 of 289
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $90.86 | A | |
| $58.73 | B | |
| $30.20 | B |
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MSBI News
Overview
Due Diligence Score
–
Industry Average (37)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how MSBI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
MSBI ($31.70) is trading below its intrinsic value of $60.68, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
MSBI is poor value based on its earnings relative to its share price (26.86x), compared to the US market average (11.26x)
P/E vs Market Valuation
MSBI is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more MSBI due diligence checks available for Premium users.
Valuation
MSBI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
26.86x
Industry
14.08x
Market
11.26x
MSBI is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
MSBI is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation
MSBI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.18x
Industry
1.36x
MSBI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
MSBI price to earnings growth (PEG)
For valuing profitable companies with growth potential
MSBI is good value based... subscribe to Premium to read more.
PEG Value Valuation
MSBI's financial health
Profit margin
Revenue
$74.5M
Net Income
$18.5M
Profit Margin
21.8%
MSBI's Earnings (EBIT) of $47.05M... subscribe to Premium to read more.
Interest Coverage Financials
MSBI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$6.5B
Liabilities
$6.0B
Debt to equity
10.72
MSBI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
MSBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$17.0M
Investing
-$68.4M
Financing
$37.2M
MSBI's operating cash flow ($117.95M)... subscribe to Premium to read more.
Debt Coverage Financials
MSBI vs Bank Stocks
Midland States Bancorp Stock FAQ
Company
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