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Midland States Bancorp Inc (MSBI)

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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 Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-MSBI
$22.99
-25.5% Downside
Overvalued
$30.75
-0.3% Downside
Fair
Fair
—
—
1.28
4.1%
July 23, 2026
25.2x
1.4x
2.3x
639.5 M
—
39.2%
93.9%
-2.1
104.4%
447.7%
Valuation • Fair Value

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

Compare the primary fair value estimate for Midland States Bancorp Inc (NASDAQ-MSBI) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$22.99

Estimated downside of 25.5% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$13.61

Classic Ben Graham valuation formula reference.

DDM Fair Value

$14.67

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$28.54

Comparable-company valuation reference.

Analyst Price Target

$30.75

Analysts imply downside of 0.3%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Midland States Bancorp Inc (NASDAQ-MSBI) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

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

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

274.5 M

Current operating scale indicator.

Revenue Forecast

324 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

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 financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-2.1

Lower score that deserves closer risk review.

FCF / Net Income

447.7%

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 next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 23, 2026

Days to Earnings

2

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

4.1%

Income yield reference.

Upcoming Dividend

1.28

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

104.4%

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
Strong Buy

The daily 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: 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

Quick answers about Midland States Bancorp Inc (NASDAQ-MSBI) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$22.99
Estimated downside 25.5%
Valuation Rating
Overvalued
Estimated downside of 25.5%
Analyst Target
$30.75
Implied downside 0.3%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Midland States Bancorp Inc (NASDAQ-MSBI) is $22.99. This implies an estimated downside of 25.5% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 25.5% versus the current market price.

The available analyst price target for Midland States Bancorp Inc (NASDAQ-MSBI) is $30.75. The analyst target implies estimated downside of 0.3%.

The current financial health read for Midland States Bancorp Inc (NASDAQ-MSBI) is Fair. 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 July 23, 2026.

Based on the current data, dividend yield is 4.1%, upcoming dividend amount is 1.28.

The current P/E ratio listed for Midland States Bancorp Inc (NASDAQ-MSBI) is 25.2x. 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 639.5 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 39.2%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Midland States Bancorp Inc is 93.9%. Free float helps investors understand how much of the share base is available for public trading.

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