Midland States Bancorp, Inc. (MSBI)vsWells Fargo & Company (WFC)
MSBI
Midland States Bancorp, Inc.
$34.25
+0.03%
FINANCIAL SERVICES · Cap: $684.40M
WFC
Wells Fargo & Company
$84.81
+1.36%
FINANCIAL SERVICES · Cap: $251.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 26951% more annual revenue ($83.11B vs $307.24M). WFC leads profitability with a 27.6% profit margin vs 19.0%. WFC appears more attractively valued with a PEG of 1.39. MSBI earns a higher WallStSmart Score of 80/100 (B+).
MSBI
Strong Buy80
out of 100
Grade: B+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Revenue surging 34.5% year-over-year
Earnings expanding 299.1% YoY
Attractively priced relative to earnings
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.0% and operating margin at 37.5%. Revenue growth of 34.5% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Debt/Equity, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
MSBI profiles as a growth stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
MSBI is growing revenue faster at 34.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
MSBI scores higher overall (80/100 vs 74/100), backed by strong 19.0% margins and 34.5% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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