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MIDLAND STATES BANCORP INC

MSBINASDAQ
πŸ† #2307 by market capEarnings Oct 29US Equity
$33.35β–² $0.15 (+0.45%)
Market closed Β· at close
1hβ€”
24hβ–² 0.5%
7dβ–Ό 2.7%
14dβ–Ό 0.9%
30dβ–² 8.7%
1yβ–² 84.4%
🏦Market Cap
$692M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-14.4%
Declining
πŸ“ŠGross Margin
63.9%
High
πŸ’΅FCF Margin
26.3%
Strong
βš–οΈP/S Ratio
1.6x
Cheap
Otter Score
69
Fair

Trading Snapshot

Day Range
$32.92 – $33.81
52-Week Range
$14.24 – $35.10
Volume
$4.79B
Avg Volume
$5.98B
Shares Outstanding
20.8M
Next Earnings
Sep 12, 2026

Fundamentals Snapshot

Annual Revenue
$468M
Last Q Revenue
$112M
P/E Ratio
20.8
P/S Ratio
1.6x
EPS (TTM)
$2.04
Dividend Yield
3.84%

Why Investors Own MSBI

  • βœ“High-growth profile β€” revenue up +24.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 48% gross margin and 4% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$468Mβ–² +20.0% YoY
Gross Margin (TTM)
47.7%β–² +0.6% YoY
Operating Income (TTM)
$159Mβ–² +20.0% YoY
Free Cash Flow (TTM)
$20Mβ–² +20.0% YoY

About MIDLAND STATES BANCORP INC

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 in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various 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, including 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 comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as 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.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
69/100

Analyst Price Target

β“˜
Average Target
$35.53
β–² +6.5% Upside
High Target$39.32
Low Target$32.89
Based on 25 analysts

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