22.72 USD
-0.08 (-0.35%)
Last: Jan 30, 2026, 03:22 PM
Overall MSBI gets a fundamental rating of 4 out of 10. We evaluated MSBI against 383 industry peers in the Banks industry. Both the profitability and financial health of MSBI have multiple concerns. MSBI is valued quite cheap, but it does not seem to be growing. Finally MSBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- MSBI had positive earnings in the past year.
- In the past year MSBI had a positive cash flow from operations.
- MSBI had positive earnings in 4 of the past 5 years.
- MSBI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- MSBI has a worse Return On Assets (-1.91%) than 95.82% of its industry peers.
- Looking at the Return On Equity, with a value of -22.55%, MSBI is doing worse than 95.56% of the companies in the same industry.
| 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
- MSBI's Profit Margin has declined in the last couple of years.
- 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.
- MSBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of MSBI is 1.01, which is an excellent value as it means it would take MSBI, only 1.01 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of MSBI (1.01) is better than 66.58% 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 72.58% of its industry peers.
- Although MSBI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 342.86% over the past year.
- 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
- The Earnings Per Share is expected to grow by 24.04% on average over the next years. This is a very strong growth
- The Revenue is expected to decrease by -1.76% on average over the next years.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.36, the valuation of MSBI can be described as correct.
- MSBI's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 28.39. MSBI is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 8.28, the valuation of MSBI can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of MSBI indicates a rather cheap valuation: MSBI is cheaper than 87.99% of the companies listed in the same industry.
- MSBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.36 | ||
| Fwd PE | 8.28 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, MSBI is valued cheaply inside the industry as 98.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- MSBI's 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)5.9
EPS Next 2Y24.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- MSBI has a Yearly Dividend Yield of 5.60%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.65, MSBI pays a better dividend. On top of this MSBI pays more dividend than 93.21% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, MSBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
5.2 History
- The dividend of MSBI is nicely growing with an annual growth rate of 11.10%!
- MSBI has been paying a dividend for at least 10 years, so it has a reliable track record.
- As MSBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)11.1%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- The earnings of MSBI are negative and hence is the payout ratio. MSBI will probably not be able to sustain this dividend level.
- 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
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 13.36 and the Price/Book (PB) ratio is 0.84.
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.