Is Midland States Bancorp, Inc. (MSBI) Overvalued?
We dive into why Midland States Bancorp, Inc. (MSBI) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
Commentary & Analysis
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Financial Summary
| Share Statistics | MSBI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $667.4 | $673.5 | 41% |
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| Shares Out (Mil) | 21.1 | 15.4 | 31% |
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| Institutional Ownership | 93.6% | 84.1% | 63% |
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| Float (Mil) | 19.5 | 21.6 | 28% |
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| Beta | 0.64 | 0.45 | 38% |
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| Avg Daily Volume (000s) | 161 | 44 | 41% |
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| Price Change (52-week) |
94.3% | 90.3% | 94% |
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| Growth | MSBI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.2% | 7.7% | 28% |
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| Net Income (5yr) | (49.7%) | 11.1% | 7% |
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| EPS (5yr) | (53.2%) | 10.0% | 3 |
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| Dividends (5yr) | 3.3% | 3.6% | 83% |
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| Cash Flow (5yr) | 17.8% | (17.1%) | 77% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.884 | $3.366 | $3.390 | |
| Month Ago EPS | $0.884 | $3.368 | $3.384 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.806 | $3.175 | $3.144 | |
| Year/Year Chg | 8.1% | (155.0%) | (158.0%) | |
| Financials | MSBI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $286 | $187 | 35% |
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| Net Income (TTM) (Mil) | $43 | $53 | 54% |
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| EPS (TTM) | $1.533 | $2.600 | 67% |
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| Operating Cash Flow (TTM) (Mil) | $119 | $34 | 54% |
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| Net Cash Flow (TTM) (Mil) | $122 | $2 | 79% |
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| Long-Term Debt (Q1) (Mil) | $345 | $94 | 55% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | MSBI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.45 | 1.23 | 40% |
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| P/E | 21.0 | 12.0 | 56% |
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| Dividend Yield | 4.0% | 2.3% | 90% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | MSBI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 15.0% | 29.2% | 72% |
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| ROA | 0.6% | 1.1% | 42% |
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| ROE | 9.3% | 11.3% | 55% |
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| Liabilities to Assets | 91.5% | 89.7% | 88% |
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| F-Score | 6 | 4 | 67% |
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Midland States Bancorp, Inc. did not pass any screens on 10/9/2026.
