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Midland States Bancorp Inc (MSBI)

Midland States Bancorp Inc. is a financial holding company listed on NASDAQ under the ticker MSBI. Through Midland States Bank, it serves individuals, businesses, municipalities, and other organizations with banking and wealth management activities. Its lending portfolio includes commercial loans, commercial real estate financing across several property categories, construction and land development lending, and residential real estate loans such as mortgages and home equity lines. The company also provides equipment leasing and deposit products including checking, savings, money market, certificates of deposit, and sweep accounts. In addition, it offers trust and wealth management services covering financial and estate planning, trustee and custodial functions, investment management, tax and insurance planning, business planning, retirement plan consulting, administration, and retail brokerage. Founded in 1881, the company is headquartered in Effingham, Illinois.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-MSBI
$24.21
-26.4% Downside
Overvalued
$33.25
1.1% Upside
Fair
Good
3.9%
October 22, 2026
21.1x
1.5x
2.4x
682.3 M
30.8%
94.0%
-1.9
85.3%
352.7%
Valuation • Fair Value

Midland States Bancorp Inc (NASDAQ-MSBI) Fair Value by Valuation Model

Review the available estimates for Midland States Bancorp Inc (NASDAQ-MSBI), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$24.21

Estimated downside of 26.4% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$17.64

Classic Ben Graham valuation formula reference.

DDM Fair Value

$15.14

Dividend discount model valuation reference.

Comps Fair Value

$30.26

Comparable-company valuation reference.

Analyst Price Target

$33.25

Analysts imply upside of 1.1%.

How to read these valuation models

Use the 6 available valuation references for Midland States Bancorp Inc (NASDAQ-MSBI) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Midland States Bancorp Inc (NASDAQ-MSBI)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

286.1 M

Current operating scale indicator.

Revenue Forecast

331.5 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Midland States Bancorp Inc (NASDAQ-MSBI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Midland States Bancorp Inc (NASDAQ-MSBI)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

FCF / Net Income

352.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Midland States Bancorp Inc (NASDAQ-MSBI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Midland States Bancorp Inc (NASDAQ-MSBI)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

30

Dividend Yield

3.9%

Current income yield reference.

Payout Ratio

85.3%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Midland States Bancorp Inc (NASDAQ-MSBI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Midland States Bancorp Inc (NASDAQ-MSBI) Stock Forecast & Technical Outlook

Review Midland States Bancorp Inc (NASDAQ-MSBI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Midland States Bancorp Inc (NASDAQ-MSBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Midland States Bancorp Inc (NASDAQ-MSBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Midland States Bancorp Inc (NASDAQ-MSBI) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Midland States Bancorp Inc (NASDAQ-MSBI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Midland States Bancorp Inc (NASDAQ-MSBI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Midland States Bancorp Inc (NASDAQ-MSBI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Midland States Bancorp Inc (NASDAQ-MSBI) has a Hold consensus, with 0 buy, 5 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 5
Sell 0
FAQ • Fast Investor Answers

Midland States Bancorp Inc (NASDAQ-MSBI) Stock FAQ

Data-supported answers about Midland States Bancorp Inc (NASDAQ-MSBI), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$24.21
Estimated downside 26.4%
Valuation Rating
Overvalued
Estimated downside of 26.4%
Analyst Target
$33.25
Implied upside 1.1%
Financial Health
Good
Current financial-health read

The current fair value estimate for Midland States Bancorp Inc (NASDAQ-MSBI) is $24.21. This implies an estimated downside of 26.4% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 26.4% versus the current market price.

The available analyst price target for Midland States Bancorp Inc (NASDAQ-MSBI) is $33.25. The analyst target implies estimated upside of 1.1%.

The current financial health read for Midland States Bancorp Inc (NASDAQ-MSBI) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Midland States Bancorp Inc (NASDAQ-MSBI) is October 22, 2026.

Based on the current data, dividend yield is 3.9%.

The current P/E ratio listed for Midland States Bancorp Inc (NASDAQ-MSBI) is 21.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Midland States Bancorp Inc is 682.3 M.

The ticker symbol for Midland States Bancorp Inc is NASDAQ-MSBI, and the stock is listed on NASDAQ.

Midland States Bancorp Inc (NASDAQ-MSBI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Midland States Bancorp Inc is 30.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Midland States Bancorp Inc is 94.0%. Free float helps investors understand how much of the share base is available for public trading.

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