23.25 USD
+0.4 (+1.75%)
At close: Feb 2, 2026
23.25 USD
0 (0%)
After Hours: 2/2/2026, 8:25:26 PM
MSBI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. MSBI may be in some trouble as it scores bad on both profitability and health. MSBI is cheap, but on the other hand it scores bad on growth. MSBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year MSBI was profitable.
- MSBI had a positive operating cash flow in the past year.
- MSBI had positive earnings in 4 of the past 5 years.
- Of the past 5 years MSBI 4 years had a positive operating cash flow.
1.2 Ratios
- MSBI's Return On Assets of -1.91% is on the low side compared to the rest of the industry. MSBI is outperformed by 95.82% of its industry peers.
- MSBI's Return On Equity of -22.55% is on the low side compared to the rest of the industry. MSBI is outperformed by 95.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.91% | ||
| ROE | -22.55% | ||
| ROIC | N/A |
ROA(3y)0.75%
ROA(5y)0.73%
ROE(3y)7.91%
ROE(5y)7.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- In the last couple of years the Profit Margin of MSBI has declined.
- The Profit Margin and Operating Margin and Gross Margin are not available for MSBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-35.9%
PM growth 5Y-18.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- MSBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for MSBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- MSBI has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.
- MSBI has a better Debt to FCF ratio (1.01) than 66.84% of its industry peers.
- MSBI has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
- MSBI's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. MSBI is outperformed by 72.32% of its industry peers.
- Even though the debt/equity ratio score it not favorable for MSBI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MSBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 342.86%, which is quite impressive.
- Measured over the past 5 years, MSBI shows a small growth in Earnings Per Share. The EPS has been growing by 2.26% on average per year.
EPS 1Y (TTM)342.86%
EPS 3Y-26.2%
EPS 5Y2.26%
EPS Q2Q%124.42%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.19%
3.2 Future
- Based on estimates for the next years, MSBI will show a very strong growth in Earnings Per Share. The EPS will grow by 24.04% on average per year.
- MSBI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.76% yearly.
EPS Next Y61.34%
EPS Next 2Y24.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.36%
Revenue Next 2Y-1.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.68, the valuation of MSBI can be described as correct.
- The rest of the industry has a similar Price/Earnings ratio as MSBI.
- MSBI is valuated cheaply when we compare the Price/Earnings ratio to 28.41, which is the current average of the S&P500 Index.
- MSBI is valuated reasonably with a Price/Forward Earnings ratio of 8.48.
- Based on the Price/Forward Earnings ratio, MSBI is valued cheaply inside the industry as 88.51% of the companies are valued more expensively.
- MSBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | 8.48 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, MSBI is valued cheaply inside the industry as 97.91% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- MSBI's earnings are expected to grow with 24.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)6.04
EPS Next 2Y24.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- MSBI has a Yearly Dividend Yield of 5.61%, which is a nice return.
- MSBI's Dividend Yield is rather good when compared to the industry average which is at 2.67. MSBI pays more dividend than 93.99% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, MSBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
5.2 History
- On average, the dividend of MSBI grows each year by 11.10%, which is quite nice.
- MSBI has been paying a dividend for at least 10 years, so it has a reliable track record.
- MSBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)11.1%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- MSBI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- The dividend of MSBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-27.55%
EPS Next 2Y24.04%
EPS Next 3YN/A
23.25
+0.4 (+1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)N/A N/A
Inst Owners66.53%
Inst Owner Change-0.53%
Ins Owners4.12%
Ins Owner Change6.83%
Market Cap501.04M
Revenue(TTM)N/A
Net Income(TTM)-131.70M
Analysts50
Price Target19.89 (-14.45%)
Short Float %1.97%
Short Ratio2.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
Yearly Dividend1.67
Dividend Growth(5Y)11.1%
DP-27.55%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.38%
Min EPS beat(2)-63.37%
Max EPS beat(2)-31.39%
EPS beat(4)0
Avg EPS beat(4)-130.7%
Min EPS beat(4)-414.99%
Max EPS beat(4)-13.04%
EPS beat(8)2
Avg EPS beat(8)-75.78%
EPS beat(12)5
Avg EPS beat(12)-50.36%
EPS beat(16)9
Avg EPS beat(16)-36.36%
Revenue beat(2)2
Avg Revenue beat(2)3.82%
Min Revenue beat(2)0.64%
Max Revenue beat(2)7%
Revenue beat(4)3
Avg Revenue beat(4)1.62%
Min Revenue beat(4)-1.9%
Max Revenue beat(4)7%
Revenue beat(8)5
Avg Revenue beat(8)0.55%
Revenue beat(12)6
Avg Revenue beat(12)1.33%
Revenue beat(16)7
Avg Revenue beat(16)1.02%
PT rev (1m)0%
PT rev (3m)-2.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.54%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | 8.48 | ||
| P/S | 1.28 | ||
| P/FCF | 2.24 | ||
| P/OCF | 2.17 | ||
| P/B | 0.86 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY7.31%
EPS(NY)2.74
Fwd EY11.8%
FCF(TTM)10.38
FCFY44.66%
OCF(TTM)10.72
OCFY46.12%
SpS18.12
BVpS27.1
TBVpS25.54
PEG (NY)0.22
PEG (5Y)6.04
Graham Number32.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.91% | ||
| ROE | -22.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 57.31% |
ROA(3y)0.75%
ROA(5y)0.73%
ROE(3y)7.91%
ROE(5y)7.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-35.9%
PM growth 5Y-18.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 1.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.61% | ||
| Cap/Sales | 1.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC18.31%
ROIC/WACCN/A
Cap/Depr(3y)55.59%
Cap/Depr(5y)40.13%
Cap/Sales(3y)1.77%
Cap/Sales(5y)1.46%
Profit Quality(3y)372.87%
Profit Quality(5y)751.42%
High Growth Momentum
Growth
EPS 1Y (TTM)342.86%
EPS 3Y-26.2%
EPS 5Y2.26%
EPS Q2Q%124.42%
EPS Next Y61.34%
EPS Next 2Y24.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.19%
Revenue Next Year-5.36%
Revenue Next 2Y-1.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y150%
FCF growth 3Y-20.03%
FCF growth 5Y-20.47%
OCF growth 1Y135.79%
OCF growth 3Y-19.18%
OCF growth 5Y-20%
MIDLAND STATES BANCORP INC / MSBI FAQ
Can you provide the ChartMill fundamental rating for MIDLAND STATES BANCORP INC?
ChartMill assigns a fundamental rating of 4 / 10 to MSBI.
Can you provide the valuation status for MIDLAND STATES BANCORP INC?
ChartMill assigns a valuation rating of 7 / 10 to MIDLAND STATES BANCORP INC (MSBI). This can be considered as Undervalued.
How profitable is MIDLAND STATES BANCORP INC (MSBI) stock?
MIDLAND STATES BANCORP INC (MSBI) has a profitability rating of 2 / 10.
What are the PE and PB ratios of MIDLAND STATES BANCORP INC (MSBI) stock?
The Price/Earnings (PE) ratio for MIDLAND STATES BANCORP INC (MSBI) is 13.68 and the Price/Book (PB) ratio is 0.86.
Can you provide the expected EPS growth for MSBI stock?
The Earnings per Share (EPS) of MIDLAND STATES BANCORP INC (MSBI) is expected to grow by 61.34% in the next year.