MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) Fundamental Analysis & Valuation

NASDAQ:MSBIP • US5977423038

Current stock price

24.76 USD
+0.06 (+0.24%)
Last:

This MSBIP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MSBIP Profitability Analysis

1.1 Basic Checks

  • MSBIP had positive earnings in the past year.
  • MSBIP had a positive operating cash flow in the past year.
  • Of the past 5 years MSBIP 4 years were profitable.
  • MSBIP had a positive operating cash flow in each of the past 5 years.
MSBIP Yearly Net Income VS EBIT VS OCF VS FCFMSBIP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

1.2 Ratios

  • With a Return On Assets value of -2.05%, MSBIP is not doing good in the industry: 96.84% of the companies in the same industry are doing better.
  • MSBIP has a Return On Equity of -23.65%. This is amonst the worse of the industry: MSBIP underperforms 96.58% of its industry peers.
Industry RankSector Rank
ROA -2.05%
ROE -23.65%
ROIC N/A
ROA(3y)-0.34%
ROA(5y)0.26%
ROE(3y)-4.13%
ROE(5y)2.44%
ROIC(3y)N/A
ROIC(5y)N/A
MSBIP Yearly ROA, ROE, ROICMSBIP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for MSBIP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MSBIP Yearly Profit, Operating, Gross MarginsMSBIP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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4

2. MSBIP Health Analysis

2.1 Basic Checks

  • MSBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MSBIP has less shares outstanding
  • MSBIP has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MSBIP has been reduced compared to a year ago.
MSBIP Yearly Shares OutstandingMSBIP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
MSBIP Yearly Total Debt VS Total AssetsMSBIP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • MSBIP has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
  • MSBIP has a better Debt to FCF ratio (1.16) than 64.21% of its industry peers.
  • MSBIP has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.25, MSBIP is doing worse than 62.37% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for MSBIP, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC18.26%
MSBIP Yearly LT Debt VS Equity VS FCFMSBIP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MSBIP Yearly Current Assets VS Current LiabilitesMSBIP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MSBIP Growth Analysis

3.1 Past

  • MSBIP 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, MSBIP shows a small growth in Earnings Per Share. The EPS has been growing by 2.26% on average per year.
  • Looking at the last year, MSBIP shows a very negative growth in Revenue. The Revenue has decreased by -13.36% in the last year.
  • Measured over the past years, MSBIP shows a small growth in Revenue. The Revenue has been growing by 4.54% on average per year.
EPS 1Y (TTM)342.86%
EPS 3Y-26.2%
EPS 5Y2.26%
EPS Q2Q%124.42%
Revenue 1Y (TTM)-13.36%
Revenue growth 3Y-0.06%
Revenue growth 5Y4.54%
Sales Q2Q%13.19%

3.2 Future

  • The Earnings Per Share is expected to grow by 29.58% on average over the next years. This is a very strong growth
  • The Revenue is expected to decrease by -0.88% on average over the next years.
EPS Next Y62.08%
EPS Next 2Y29.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.74%
Revenue Next 2Y-0.88%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MSBIP Yearly Revenue VS EstimatesMSBIP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
MSBIP Yearly EPS VS EstimatesMSBIP Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4

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6

4. MSBIP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.56, MSBIP is valued correctly.
  • Based on the Price/Earnings ratio, MSBIP is valued a bit more expensive than the industry average as 70.79% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 25.60. MSBIP is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.99, the valuation of MSBIP can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, MSBIP is valued a bit cheaper than the industry average as 77.63% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.84, MSBIP is valued rather cheaply.
Industry RankSector Rank
PE 14.56
Fwd PE 8.99
MSBIP Price Earnings VS Forward Price EarningsMSBIP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 93.68% of the companies in the same industry are more expensive than MSBIP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.32
EV/EBITDA N/A
MSBIP Per share dataMSBIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • MSBIP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as MSBIP's earnings are expected to grow with 29.58% in the coming years.
PEG (NY)0.23
PEG (5Y)6.43
EPS Next 2Y29.58%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MSBIP Dividend Analysis

5.1 Amount

  • MSBIP has a Yearly Dividend Yield of 5.83%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.66, MSBIP pays a better dividend. On top of this MSBIP pays more dividend than 96.05% of the companies listed in the same industry.
  • MSBIP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 5.83%

5.2 History

  • The dividend of MSBIP is nicely growing with an annual growth rate of 9.88%!
  • MSBIP has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of MSBIP decreased in the last 3 years.
Dividend Growth(5Y)9.88%
Div Incr Years0
Div Non Decr Years2
MSBIP Yearly Dividends per shareMSBIP Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • The earnings of MSBIP are negative and hence is the payout ratio. MSBIP will probably not be able to sustain this dividend level.
  • MSBIP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-27.36%
EPS Next 2Y29.58%
EPS Next 3YN/A
MSBIP Yearly Income VS Free CF VS DividendMSBIP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

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MSBIP Fundamentals: All Metrics, Ratios and Statistics

MIDLAND STATES BANCORP - MSBI 7 3/4 PERP

NASDAQ:MSBIP (4/2/2026, 8:00:01 PM)

24.76

+0.06 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners66.63%
Inst Owner ChangeN/A
Ins Owners4.18%
Ins Owner ChangeN/A
Market Cap519.71M
Revenue(TTM)324.98M
Net Income(TTM)-133.73M
Analysts50
Price Target27.44 (10.82%)
Short Float %0.11%
Short Ratio4.15
Dividend
Industry RankSector Rank
Dividend Yield 5.83%
Yearly Dividend1.72
Dividend Growth(5Y)9.88%
DP-27.36%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-43.83%
Min EPS beat(2)-63.37%
Max EPS beat(2)-24.28%
EPS beat(4)0
Avg EPS beat(4)-33.02%
Min EPS beat(4)-63.37%
Max EPS beat(4)-13.04%
EPS beat(8)1
Avg EPS beat(8)-79.29%
EPS beat(12)4
Avg EPS beat(12)-55.54%
EPS beat(16)8
Avg EPS beat(16)-38.77%
Revenue beat(2)2
Avg Revenue beat(2)5.87%
Min Revenue beat(2)0.64%
Max Revenue beat(2)11.11%
Revenue beat(4)3
Avg Revenue beat(4)4.21%
Min Revenue beat(4)-1.9%
Max Revenue beat(4)11.11%
Revenue beat(8)5
Avg Revenue beat(8)1.68%
Revenue beat(12)6
Avg Revenue beat(12)0.88%
Revenue beat(16)7
Avg Revenue beat(16)1.43%
PT rev (1m)2.7%
PT rev (3m)20.14%
EPS NQ rev (1m)1.77%
EPS NQ rev (3m)1.11%
EPS NY rev (1m)1.93%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
Industry RankSector Rank
PE 14.56
Fwd PE 8.99
P/S 1.6
P/FCF 4.32
P/OCF 4.14
P/B 0.92
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.7
EY6.87%
EPS(NY)2.76
Fwd EY11.13%
FCF(TTM)5.73
FCFY23.15%
OCF(TTM)5.99
OCFY24.18%
SpS15.48
BVpS26.94
TBVpS25.57
PEG (NY)0.23
PEG (5Y)6.43
Graham Number32.1
Profitability
Industry RankSector Rank
ROA -2.05%
ROE -23.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 37.03%
ROA(3y)-0.34%
ROA(5y)0.26%
ROE(3y)-4.13%
ROE(5y)2.44%
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.16
Debt/EBITDA N/A
Cap/Depr 51.49%
Cap/Sales 1.65%
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
WACC18.26%
ROIC/WACCN/A
Cap/Depr(3y)63.42%
Cap/Depr(5y)47.35%
Cap/Sales(3y)1.96%
Cap/Sales(5y)1.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)342.86%
EPS 3Y-26.2%
EPS 5Y2.26%
EPS Q2Q%124.42%
EPS Next Y62.08%
EPS Next 2Y29.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.36%
Revenue growth 3Y-0.06%
Revenue growth 5Y4.54%
Sales Q2Q%13.19%
Revenue Next Year-3.74%
Revenue Next 2Y-0.88%
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 1Y-29.07%
FCF growth 3Y-19.8%
FCF growth 5Y-24.68%
OCF growth 1Y-28.81%
OCF growth 3Y-19.04%
OCF growth 5Y-24.1%

MIDLAND STATES BANCORP - MSBI 7 3/4 PERP / MSBIP Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to MSBIP.


What is the valuation status for MSBIP stock?

ChartMill assigns a valuation rating of 6 / 10 to MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP). This can be considered as Fairly Valued.


Can you provide the profitability details for MIDLAND STATES BANCORP - MSBI 7 3/4 PERP?

MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) has a profitability rating of 2 / 10.


What is the valuation of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) is 14.56 and the Price/Book (PB) ratio is 0.92.


What is the financial health of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) stock?

The financial health rating of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) is 4 / 10.