MSBI$22.53
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Powered by LiveAIOverall Analysis
BuyMidland States Bancorp shows solid fundamental strengths, particularly in its balance sheet and dividend yield. While recent performance has been weak, technical indicators suggest potential stabilization. The company operates in a stable, albeit mature, industry.
Thematic
Midland States Bancorp operates in the banking sector, which is influenced by interest rate environments and regulatory changes. Digital transformation and customer service remain key themes. Growth prospects are tied to regional economic conditions and strategic acquisitions.
Fundamental
The company demonstrates a strong balance sheet with manageable debt and a healthy equity position. Profitability has been mixed, with recent quarters showing negative net income, but historical data indicates periods of strong performance. A consistent dividend yield is a notable positive.
Technical
The stock has experienced significant volatility, with a notable downtrend in the past year. However, current short-term indicators show some signs of stabilization and potential upward momentum, especially with moving averages suggesting a possible shift.
| Factor | Score |
|---|---|
| Interest Rate Sensitivity | 70 |
| Digital Banking Adoption | 65 |
| Regulatory Environment | 55 |
| Regional Economic Growth | 50 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 60 |
| Growth | 65 |
| Balance Sheet Health | 90 |
| Cash Flow | 85 |
| Dividends | 40 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 55 |
| Volume Confirmation | 75 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Positive EPS Surprises
The company has exceeded EPS estimates in 7 out of the last 12 quarters, with a notable positive surprise of 40.57% in Q1 2023 and 3.19% in Q2 2025. This suggests a trend of outperforming analyst expectations.
Attractive P/E Ratio
The trailing P/E ratio of 13.11 is relatively low compared to the industry average, potentially indicating the stock is undervalued and offers a good entry point for growth investors.
Bearish Points (8)
Significant EPS Misses
The company experienced substantial EPS misses in Q1 2025 (-421.48% surprise) and Q3 2024 (-71.42% surprise), indicating potential operational challenges or unreliable earnings forecasts.
Increasing P/S Ratio
The Price-to-Sales (P/S) ratio has increased from 1.0 in 2022 to 1.4 in 2024, which might suggest that the stock is becoming more expensive relative to its sales.
Calendar
May 2025
16
Ex-Dividend Date
May 2025
23
Next Dividend Date
October 2025
24
Next Earnings Date
H: $0.70
A: $0.70
L: $0.70
H: 79.00M
A: 79.00M
L: 79.00M
Profile
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 through the Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include a variety of 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 comprising 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, including first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products, including checking, savings, money market, certificates of deposits, and sweep accounts; trust and wealth management products and services comprising 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.
Seasonals
Price Target
19.33 USD
The 39 analysts offering 1 year price forecasts for MSBI have a max estimate of 21.00 and a min estimate of 17.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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