25.12 USD
-0.01 (-0.04%)
MSBIP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of MSBIP have multiple concerns. MSBIP has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year MSBIP has reported negative net income.
- In the past year MSBIP had a positive cash flow from operations.
- Each year in the past 5 years MSBIP has been profitable.
- Each year in the past 5 years MSBIP had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of -1.91%, MSBIP is not doing good in the industry: 96.08% of the companies in the same industry are doing better.
- MSBIP has a Return On Equity of -22.55%. This is amonst the worse of the industry: MSBIP underperforms 95.82% 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
- MSBIP's Profit Margin has declined in the last couple of years.
- MSBIP does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
- MSBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for MSBIP has been reduced compared to 1 year ago.
- The number of shares outstanding for MSBIP has been reduced compared to 5 years ago.
- Compared to 1 year ago, MSBIP has a worse debt to assets ratio.
2.2 Solvency
- MSBIP 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.
- The Debt to FCF ratio of MSBIP (1.01) is better than 66.32% 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 72.85% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MSBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -143.29%.
- MSBIP shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.23% yearly.
- Looking at the last year, MSBIP shows a very strong growth in Revenue. The Revenue has grown by 31.87%.
- Measured over the past years, MSBIP shows a small growth in Revenue. The Revenue has been growing by 7.19% on average per year.
EPS 1Y (TTM)-143.29%
EPS 3Y-28.26%
EPS 5Y-10.23%
EPS Q2Q%-67.57%
Revenue 1Y (TTM)31.87%
Revenue growth 3Y10.55%
Revenue growth 5Y7.19%
Sales Q2Q%9.21%
3.2 Future
- The Earnings Per Share is expected to grow by 79.01% on average over the next years. This is a very strong growth
- Based on estimates for the next years, MSBIP will show a small growth in Revenue. The Revenue will grow by 0.76% on average per year.
EPS Next Y-692.69%
EPS Next 2Y143.27%
EPS Next 3Y79.01%
EPS Next 5YN/A
Revenue Next Year7.25%
Revenue Next 2Y1.65%
Revenue Next 3Y0.76%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for MSBIP. In the last year negative earnings were reported.
- A Price/Forward Earnings ratio of 9.16 indicates a reasonable valuation of MSBIP.
- Based on the Price/Forward Earnings ratio, MSBIP is valued a bit cheaper than 77.28% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of MSBIP to the average of the S&P500 Index (24.26), we can say MSBIP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.16 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, MSBIP is valued cheaper than 97.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A more expensive valuation may be justified as MSBIP's earnings are expected to grow with 79.01% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y143.27%
EPS Next 3Y79.01%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.78%, MSBIP is a good candidate for dividend investing.
- MSBIP's Dividend Yield is rather good when compared to the industry average which is at 2.91. MSBIP pays more dividend than 88.51% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, MSBIP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.78% |
5.2 History
- The dividend of MSBIP is nicely growing with an annual growth rate of 11.10%!
- 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
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 2Y143.27%
EPS Next 3Y79.01%
MIDLAND STATES BANCORP - MSBI 7 3/4 PERP
NASDAQ:MSBIP (1/16/2026, 8:00:01 PM)
25.12
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners66.53%
Inst Owner ChangeN/A
Ins Owners4.12%
Ins Owner ChangeN/A
Market Cap541.34M
Revenue(TTM)390.40M
Net Income(TTM)-131.70M
Analysts50
Price Target22.84 (-9.08%)
Short Float %0.23%
Short Ratio7.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.78% |
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)1.31%
PT rev (3m)-20.29%
EPS NQ rev (1m)7.23%
EPS NQ rev (3m)3.54%
EPS NY rev (1m)-3.32%
EPS NY rev (3m)-344.49%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-4.73%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.16 | ||
| P/S | 1.39 | ||
| P/FCF | 2.42 | ||
| P/OCF | 2.34 | ||
| P/B | 0.93 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1
EYN/A
EPS(NY)2.74
Fwd EY10.92%
FCF(TTM)10.38
FCFY41.33%
OCF(TTM)10.72
OCFY42.69%
SpS18.12
BVpS27.1
TBVpS25.54
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
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
WACC17.84%
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)-143.29%
EPS 3Y-28.26%
EPS 5Y-10.23%
EPS Q2Q%-67.57%
EPS Next Y-692.69%
EPS Next 2Y143.27%
EPS Next 3Y79.01%
EPS Next 5YN/A
Revenue 1Y (TTM)31.87%
Revenue growth 3Y10.55%
Revenue growth 5Y7.19%
Sales Q2Q%9.21%
Revenue Next Year7.25%
Revenue Next 2Y1.65%
Revenue Next 3Y0.76%
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 4 / 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 decline by -692.69% 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%.