Stock Scorecard
Stock Summary for Midland States Bancorp Inc (MSBI) - $18.26 as of 5/9/2025 3:33:20 PM EST
Total Score
12 out of 30
Safety Score
48 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for MSBI
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for MSBI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for MSBI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for MSBI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for MSBI (48 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 8 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for MSBI
Financial Details for MSBI
Company Overview |
|
|---|---|
| Ticker | MSBI |
| Company Name | Midland States Bancorp Inc |
| Country | USA |
| Description | Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/23/2025 |
Stock Price History |
|
| Last Day Price | 18.26 |
| Price 4 Years Ago | 21.08 |
| Last Day Price Updated | 5/9/2025 3:33:20 PM EST |
| Last Day Volume | 103,809 |
| Average Daily Volume | 131,185 |
| 52-Week High | 27.64 |
| 52-Week Low | 14.79 |
| Last Price to 52 Week Low | 23.46% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 16.08 |
| Sector PE | 18.76 |
| 5-Year Average PE | 5.55 |
| Free Cash Flow Ratio | 3.85 |
| Industry Free Cash Flow Ratio | 6.60 |
| Sector Free Cash Flow Ratio | 25.77 |
| Current Ratio Most Recent Quarter | 36.56 |
| Total Cash Per Share | 4.74 |
| Book Value Per Share Most Recent Quarter | 29.48 |
| Price to Book Ratio | 0.53 |
| Industry Price to Book Ratio | 1.04 |
| Sector Price to Book Ratio | 2.07 |
| Price to Sales Ratio Twelve Trailing Months | 2.26 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.03 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 21,503,000 |
| Market Capitalization | 392,644,780 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 5/16/2025 |
| Previous Dividend Amount | 0.3100 |
| Current Dividend Amount | 0.3100 |
| Total Years Dividend Increasing | 9 |
| Trailing Annual Dividend Rate | 1.24 |
| Trailing Annual Dividend Yield | 6.79% |
| Forward Annual Dividend Rate | 1.24 |
| Forward Annual Dividend Yield | 6.79% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 5.16% |
| 5-Year Average Dividend Yield | 5.01% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 2.58% |
| All-Time Dividend Growth Rate Percentage | 6.46% |
| Dividend Payout Ratio | -118.10% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 7.50% |
| Annual Earnings Growth | -117.80% |
| Reported EPS 12 Trailing Months | -1.05 |
| Reported EPS Past Year | 0.57 |
| Reported EPS Prior Year | -1.05 |
| Net Income Twelve Trailing Months | -14,744,000 |
| Net Income Past Year | -13,430,000 |
| Net Income Prior Year | 75,460,000 |
| Quarterly Revenue Growth YOY | 7.30% |
| 5-Year Revenue Growth | -21.63% |
| Operating Margin Twelve Trailing Months | 31.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 102,006,000 |
| Total Cash Past Year | 139,562,000 |
| Total Cash Prior Year | 134,212,000 |
| Net Cash Position Most Recent Quarter | -31,796,000 |
| Net Cash Position Past Year | -4,600,000 |
| Long Term Debt Past Year | 144,162,000 |
| Long Term Debt Prior Year | 419,546,000 |
| Total Debt Most Recent Quarter | 133,802,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.85 |
| Total Stockholder Equity Past Year | 736,113,000 |
| Total Stockholder Equity Prior Year | 791,853,000 |
| Total Stockholder Equity Most Recent Quarter | 744,384,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 74,058,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.44 |
| Free Cash Flow Past Year | 145,907,000 |
| Free Cash Flow Prior Year | 233,285,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.21 |
| MACD Signal | -0.08 |
| 20-Day Bollinger Lower Band | 14.03 |
| 20-Day Bollinger Middle Band | 19.13 |
| 20-Day Bollinger Upper Band | 24.22 |
| Beta | 0.69 |
| RSI | 60.60 |
| 50-Day SMA | 21.44 |
| 150-Day SMA | 21.68 |
| 200-Day SMA | 21.83 |
System |
|
| Modified | 5/10/2025 5:30:20 AM EST |