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

NASDAQ:MSBIP • US5977423038

25.16 USD
+0.06 (+0.24%)
Last: Mar 3, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

MSBIP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. MSBIP may be in some trouble as it scores bad on both profitability and health. MSBIP has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year MSBIP was profitable.
  • In the past year MSBIP had a positive cash flow from operations.
  • MSBIP had positive earnings in 4 of the past 5 years.
  • Of the past 5 years MSBIP 4 years had a positive operating cash flow.
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 100M 200M 300M 400M 500M

1.2 Ratios

  • MSBIP has a Return On Assets of -1.91%. This is amonst the worse of the industry: MSBIP underperforms 96.83% of its industry peers.
  • MSBIP has a Return On Equity of -22.55%. This is amonst the worse of the industry: MSBIP underperforms 96.57% of its industry peers.
Industry RankSector 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
MSBIP Yearly ROA, ROE, ROICMSBIP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • MSBIP's Profit Margin has declined in the last couple of years.
  • 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 3Y-35.9%
PM growth 5Y-18.2%
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 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • MSBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for MSBIP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MSBIP Yearly Shares OutstandingMSBIP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of MSBIP is 1.01, which is an excellent value as it means it would take MSBIP, only 1.01 years of fcf income to pay off all of its debts.
  • MSBIP has a better Debt to FCF ratio (1.01) than 66.49% of its industry peers.
  • MSBIP has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
  • MSBIP has a Debt to Equity ratio of 0.39. This is in the lower half of the industry: MSBIP underperforms 72.82% of its industry peers.
  • 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 0.39
Debt/FCF 1.01
Altman-Z N/A
ROIC/WACCN/A
WACC17.85%
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 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 50M 100M 150M 200M

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

3

3. Growth

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.
  • The Earnings Per Share has been growing slightly by 2.26% on average over the past years.
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

  • MSBIP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.43% yearly.
  • The Revenue is expected to decrease by -0.88% on average over the next years.
EPS Next Y59.01%
EPS Next 2Y28.43%
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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.80, the valuation of MSBIP can be described as correct.
  • MSBIP's Price/Earnings ratio is a bit more expensive when compared to the industry. MSBIP is more expensive than 70.45% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MSBIP to the average of the S&P500 Index (26.83), we can say MSBIP is valued slightly cheaper.
  • MSBIP is valuated reasonably with a Price/Forward Earnings ratio of 9.31.
  • Based on the Price/Forward Earnings ratio, MSBIP is valued a bit cheaper than 74.14% of the companies in the same industry.
  • MSBIP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.95.
Industry RankSector Rank
PE 14.8
Fwd PE 9.31
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

  • 98.15% 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 2.38
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.
  • MSBIP's earnings are expected to grow with 28.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)6.54
EPS Next 2Y28.43%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.56%, MSBIP is a good candidate for dividend investing.
  • MSBIP's Dividend Yield is rather good when compared to the industry average which is at 2.72. MSBIP pays more dividend than 92.08% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, MSBIP pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.56%

5.2 History

  • The dividend of MSBIP is nicely growing with an annual growth rate of 11.10%!
  • 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)11.1%
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

  • MSBIP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • MSBIP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-27.55%
EPS Next 2Y28.43%
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 100M 200M 300M 400M 500M

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Find the best dividend stocksShow peers with best dividend

MIDLAND STATES BANCORP - MSBI 7 3/4 PERP

NASDAQ:MSBIP (3/3/2026, 8:00:01 PM)

25.16

+0.06 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)N/A
Inst Owners66.53%
Inst Owner ChangeN/A
Ins Owners4.12%
Ins Owner ChangeN/A
Market Cap532.64M
Revenue(TTM)N/A
Net Income(TTM)-131.70M
Analysts50
Price Target27.44 (9.06%)
Short Float %0.21%
Short Ratio8.21
Dividend
Industry RankSector Rank
Dividend Yield 5.56%
Yearly Dividend1.67
Dividend Growth(5Y)11.1%
DP-27.55%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-16
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)20.08%
PT rev (3m)4.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.86%
Valuation
Industry RankSector Rank
PE 14.8
Fwd PE 9.31
P/S 1.36
P/FCF 2.38
P/OCF 2.31
P/B 0.91
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.7
EY6.76%
EPS(NY)2.7
Fwd EY10.74%
FCF(TTM)10.57
FCFY42.01%
OCF(TTM)10.92
OCFY43.38%
SpS18.44
BVpS27.59
TBVpS25.99
PEG (NY)0.25
PEG (5Y)6.54
Graham Number32.48
Profitability
Industry RankSector 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 RankSector 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
WACC17.85%
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 Y59.01%
EPS Next 2Y28.43%
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-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 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 - MSBI 7 3/4 PERP / MSBIP FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to MSBIP.


What is the valuation status of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (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.


How profitable is MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) stock?

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


Can you provide the expected EPS growth for MSBIP stock?

The Earnings per Share (EPS) of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) is expected to grow by 59.01% in the next year.


Can you provide the dividend sustainability for MSBIP stock?

The dividend rating of MIDLAND STATES BANCORP - MSBI 7 3/4 PERP (MSBIP) is 6 / 10 and the dividend payout ratio is -27.55%.