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

NASDAQ:MSBIP • US5977423038

25.32 USD
+0.07 (+0.28%)
Last: Feb 25, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall MSBIP gets a fundamental rating of 3 out of 10. We evaluated MSBIP against 379 industry peers in the Banks industry. MSBIP has a bad profitability rating. Also its financial health evaluation is rather negative. MSBIP is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • MSBIP had positive earnings in the past year.
  • MSBIP had a positive operating cash flow in the past year.
  • 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

  • Looking at the Return On Assets, with a value of -1.91%, MSBIP is doing worse than 96.31% of the companies in the same industry.
  • With a Return On Equity value of -22.55%, MSBIP is not doing good in the industry: 96.04% of the companies in the same industry are doing better.
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

  • In the last couple of years the Profit Margin of MSBIP has declined.
  • MSBIP does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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's Debt to FCF ratio of 1.01 is fine compared to the rest of the industry. MSBIP outperforms 66.49% of its industry peers.
  • A Debt/Equity ratio of 0.39 indicates that MSBIP is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.39, MSBIP is doing worse than 72.56% 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 0.39
Debt/FCF 1.01
Altman-Z N/A
ROIC/WACCN/A
WACC17.79%
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.
  • MSBIP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.26% yearly.
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.
  • MSBIP is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.88% yearly.
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

  • With a Price/Earnings ratio of 14.89, MSBIP is valued correctly.
  • 69.92% of the companies in the same industry are cheaper than MSBIP, based on the Price/Earnings ratio.
  • MSBIP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.05.
  • MSBIP is valuated reasonably with a Price/Forward Earnings ratio of 9.37.
  • MSBIP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MSBIP is cheaper than 72.82% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.03, MSBIP is valued rather cheaply.
Industry RankSector Rank
PE 14.89
Fwd PE 9.37
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 2.4
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 28.43% in the coming years.
PEG (NY)0.25
PEG (5Y)6.58
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 7.58%, MSBIP is a good candidate for dividend investing.
  • MSBIP's Dividend Yield is rather good when compared to the industry average which is at 2.74. MSBIP pays more dividend than 98.68% of the companies in the same industry.
  • MSBIP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 7.58%

5.2 History

  • On average, the dividend of MSBIP grows each year by 11.10%, which is quite nice.
  • MSBIP has paid a dividend for less than 5 years, so there is no long track record yet.
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 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-27.55%
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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MIDLAND STATES BANCORP - MSBI 7 3/4 PERP

NASDAQ:MSBIP (2/25/2026, 8:00:01 PM)

25.32

+0.07 (+0.28%)

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 Cap536.02M
Revenue(TTM)N/A
Net Income(TTM)-131.70M
Analysts50
Price Target26.72 (5.53%)
Short Float %0.22%
Short Ratio9.67
Dividend
Industry RankSector Rank
Dividend Yield 7.58%
Yearly Dividend1.67
Dividend Growth(5Y)11.1%
DP-27.55%
Div Incr Years0
Div Non Decr Years2
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)16.92%
PT rev (3m)-12.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.28%
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 14.89
Fwd PE 9.37
P/S 1.37
P/FCF 2.4
P/OCF 2.32
P/B 0.92
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.7
EY6.71%
EPS(NY)2.7
Fwd EY10.68%
FCF(TTM)10.57
FCFY41.74%
OCF(TTM)10.92
OCFY43.11%
SpS18.44
BVpS27.59
TBVpS25.99
PEG (NY)0.25
PEG (5Y)6.58
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
WACC17.79%
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%.