MSBI
Midland States Bancorp, Inc.
NASDAQ: MSBI · FINANCIAL SERVICES · BANKS - REGIONAL
$33.62
-1.41% today
Updated 2026-07-29
Market cap
$680.56M
P/E ratio
27.36
P/S ratio
2.38x
EPS (TTM)
$1.20
Dividend yield
1.98%
52W range
$14 – $34
Volume
0.2M
WallStSmart proprietary scores
74
out of 100
Grade: B
Buy
Investment rating
7.3
Growth
B+4.0
Quality
C6.5
Profitability
B5.7
Valuation
C+4/9
Piotroski F-Score
Moderate
-0.7
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$31.50
-6.31%
12-Month target
—
—
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy0 Buy5 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Free cash flow $16.35M — positive
+ Revenue growth 18.00% QoQ
Risks
- Altman Z -0.65 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $436.51M | $66.59M | $546.05M | $467.59M | $286.15M |
| Net income | $100.24M | $75.46M | $38.04M | $-124.28M | $18.46M |
| EPS | — | — | — | — | $1.20 |
| Free cash flow | $233.28M | $145.91M | $169.65M | $120.33M | $16.35M |
| Profit margin | 22.96% | 113.32% | 6.97% | -26.58% | 15.00% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-30 | SMITH, JEFFREY C. | Buy | 1,445 | $31.14 |
| 2026-06-30 | SMITH, JEFFREY C. | Buy | 267 | $26.55 |
| 2026-06-30 | SMITH, JEFFREY C. | Buy | 219 | $31.14 |
Peer comparison
Smart narrative
Midland States Bancorp, Inc. trades at $33.62. representing a P/E of 27.36x trailing earnings. Our Smart Value Score of 74/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of -0.65, it sits in the distress. TTM revenue stands at $286.15M. with profit margins at 15.00%.
Frequently asked questions
What is Midland States Bancorp, Inc.'s stock price?
Midland States Bancorp, Inc. (MSBI) trades at $33.62, on a P/E of 27.4x and a P/S of 2.4x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Midland States Bancorp, Inc. overvalued?
Midland States Bancorp, Inc. carries a Smart Value Score of 74/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Midland States Bancorp, Inc. (MSBI)?
The 12-month analyst consensus target is $31.50, about 6.3% below the current $33.62. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Midland States Bancorp, Inc.'s revenue?
Midland States Bancorp, Inc.'s trailing twelve-month revenue is $286.15M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Midland States Bancorp, Inc.'s Altman Z-Score is -0.65, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.38x
ROE6.29%
Beta0.64
50D MA$29.40
200D MA$23.10
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.2M
Performance
1 week+4.26%
1 month+5.16%
3 months+26.37%
YTD+55.08%
1 year—
3 years—
5 years—