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Financial Services - Banks - Regional - NASDAQ - US
$ 16.45
1.66 %
$ 352 M
Market Cap
-15.21
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one MSBI stock under the worst case scenario is HIDDEN Compared to the current market price of 16.4 USD, Midland States Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one MSBI stock under the base case scenario is HIDDEN Compared to the current market price of 16.4 USD, Midland States Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one MSBI stock under the best case scenario is HIDDEN Compared to the current market price of 16.4 USD, Midland States Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart MSBI

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$28.0$28.0$26.0$26.0$24.0$24.0$22.0$22.0$20.0$20.0$18.0$18.0$16.0$16.0$14.0$14.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
77.7 M REVENUE
-80.77%
0 OPERATING INCOME
0.00%
75.5 M NET INCOME
-23.80%
155 M OPERATING CASH FLOW
-34.68%
-76.1 M INVESTING CASH FLOW
93.08%
-104 M FINANCING CASH FLOW
-31.36%
56 M REVENUE
-22.55%
0 OPERATING INCOME
0.00%
18.5 M NET INCOME
177.96%
46.7 M OPERATING CASH FLOW
470.83%
-2.32 M INVESTING CASH FLOW
-7.55%
-47.1 M FINANCING CASH FLOW
42.21%
Balance Sheet Midland States Bancorp, Inc.
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Current Assets 633 M
Cash & Short-Term Investments 135 M
Receivables 498 M
Other Current Assets 0
Non-Current Assets 7.7 B
Long-Term Investments 964 M
PP&E 82.8 M
Other Non-Current Assets 6.65 B
5.98 %11.57 %79.83 %Total Assets$8.3b
Current Liabilities 3.29 B
Accounts Payable 110 M
Short-Term Debt 185 M
Other Current Liabilities 2.99 B
Non-Current Liabilities 7.04 B
Long-Term Debt 420 M
Other Non-Current Liabilities 6.62 B
28.99 %4.06 %64.09 %Total Liabilities$10.3b
EFFICIENCY
Earnings Waterfall Midland States Bancorp, Inc.
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Revenue 77.7 M
Cost Of Revenue 0
Gross Profit 77.7 M
Operating Expenses 0
Operating Income 0
Other Expenses -75.5 M
Net Income 75.5 M
80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0078m078m0075m75mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
-17.27% NET MARGIN
-17.27%
0.00% ROE
0.00%
0.00% ROA
0.00%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Midland States Bancorp, Inc.
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500m500m450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020152015201620162017201720182018201920192020202020212021202220222023202320242024
Net Income 75.5 M
Depreciation & Amortization 12.7 M
Capital Expenditures -8.73 M
Stock-Based Compensation 2.49 M
Change in Working Capital 4.31 M
Others 64 M
Free Cash Flow 146 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Midland States Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for MSBI of $27 , with forecasts ranging from a low of $27 to a high of $27 .
MSBI Lowest Price Target Wall Street Target
27 USD 64.13%
MSBI Average Price Target Wall Street Target
27 USD 64.13%
MSBI Highest Price Target Wall Street Target
27 USD 64.13%
Price
Max Price Target
Min Price Target
Average Price Target
28282626242422222020181816161414Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.40001.40001.20001.20001.00001.00000.80000.80000.60000.60000.40000.40000.20000.20000.00000.00000.20.220.24250.26750.280.290.30.310.310.20.220.24250.26750.280.290.30.310.180.20.220.24250.26750.280.290.30.310.180.760.20.840.220.920.24251.020.26751.100.281.140.291.180.31.220.310.930.0020162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Midland States Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
152 K USD 2
6-9 MONTHS
313 K USD 1
9-12 MONTHS
259 K USD 2
Bought
39.9 K USD 1
0-3 MONTHS
51.3 K USD 3
3-6 MONTHS
0 USD 0
6-9 MONTHS
49.9 K USD 1
9-12 MONTHS
7. News
Earnings Preview: Midland States Bancorp (MSBI) Q1 Earnings Expected to Decline Midland States Bancorp (MSBI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 weeks ago
Midland States Bancorp, Inc. receives expected notification of deficiency from Nasdaq related to delayed filing of Annual Report on Form 10-K EFFINGHAM, Ill., April 09, 2025 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (NASDAQ: MSBI) (the “Company”) today announced that it received an expected deficiency notification letter from the Listing Qualifications Staff of The Nasdaq Stock Market LLC (“Nasdaq”) on April 3, 2025 (the “Notice”). The Notice indicated that the Company was not in compliance with Nasdaq Listing Rule 5250(c)(1) (the “Listing Rule”) as a result of its failure to timely file its Annual Report on Form 10-K for the year ended December 31, 2024 (the “Form 10-K”), as described more fully in the Company's Form 12b-25 Notification of Late Filing (the “Form 12b-25”) filed with the Securities and Exchange Commission (the “SEC”) on March 17, 2025. The Listing Rule requires Nasdaq-listed companies to timely file all required periodic reports with the SEC. globenewswire.com - 3 weeks ago
Are Investors Undervaluing Midland States Bancorp (MSBI) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK , Feb. 25, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ: MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. prnewswire.com - 2 months ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK, NY / ACCESS Newswire / February 23, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ:MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 2 months ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK, NY / ACCESS Newswire / February 21, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ:MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 2 months ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK, NY / ACCESS Newswire / February 19, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ:MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 2 months ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK , Feb. 18, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ: MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. prnewswire.com - 2 months ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK, NY / ACCESS Newswire / February 15, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ:MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 2 months ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Midland States Bancorp, Inc. - MSBI NEW YORK , Feb. 11, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of Midland States Bancorp, Inc. ("Midland States Bancorp" or the "Company") (NASDAQ: MSBI). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. prnewswire.com - 2 months ago
Bronstein, Gewirtz & Grossman, LLC Initiates an Investigation into Allegations Against Midland States Bancorp, Inc. (MSBI) And Encourages Shareholders to Reach Out NEW YORK, NY / ACCESS Newswire / February 11, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Midland States Bancorp, Inc. ("Midland States Bancorp" or "the Company") (NASDAQ:MSBI). Investors who purchased Midland States Bancorp securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/MSBI. accessnewswire.com - 2 months ago
Bronstein, Gewirtz & Grossman, LLC Announces an Investigation Against Midland States Bancorp, Inc. (MSBI) and Encourages Shareholders to Learn More About the Investigation NEW YORK, NY / ACCESS Newswire / February 10, 2025 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Midland States Bancorp, Inc. ("Midland States Bancorp" or "the Company") (NASDAQ:MSBI). Investors who purchased Midland States Bancorp securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/MSBI. accessnewswire.com - 2 months ago
8. Profile Summary

Midland States Bancorp, Inc. MSBI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 352 M
Dividend Yield 0.00%
Description 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 Banking, Wealth Management, and Other segments. The company accepts various deposits, such as checking, savings, money market, and sweep accounts, as well as certificates of deposits. It also offers term loans to purchase capital equipment; lines of credit for working capital and operational purposes; commercial real estate loans for owner occupied and non-owner occupied commercial property, as well as farmland loans; construction and land development loans developers of commercial real estate investment properties, residential developments, individual clients for construction of single family homes, as well as to construct owner-user properties; and residential real estate loans and home equity lines of credit.. In addition, the company provides consumer installment loans for the purchase of cars, boats, and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; commercial equipment leasing; and trust and wealth management products and services, including 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. As of December 31, 2021, it operated 52 full-service banking offices. The company was founded in 1881 and is headquartered in Effingham, Illinois.
Contact 1201 Network Centre Drive, Effingham, IL, 62401 https://www.midlandsb.com
IPO Date May 24, 2016
Employees 907
Officers Mr. Jeffrey S. Mefford Executive Vice President Mr. Kyle Mooney Chief Information Officer Mr. Danny Leon Stevenson C.F.A., CFA Executive Vice President of Consumer Banking and Wealth Management Gerald Maloney Chief Compliance Officer Mr. Eric T. Lemke CPA Chief Financial Officer Mr. Daniel E. Casey Senior Vice President & Chief Risk Officer of Midland States Bank Mr. Timothy J. Spitz Senior Vice President of Banking Shonna Kracinski Director of Human Resources Mr. Jeffrey G. Ludwig CPA President, Chief Executive Officer & Vice Chairman Mr. Donald J. Spring Chief Accounting Officer & Corporate Controller