Midland States Bancorp, Inc. (MSBI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 33.70 $ — 98% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 2.3% failed
- More than 10% revenue growth is expected for the coming year 1.1% failed
- Share count grows by less than 3% a year -0.8% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 11.4% failed
- Gross margin at 40% or higher and without meaningful erosion 57.4% failed
- Goodwill from acquisitions does not grow faster than revenue 0.1% passed
- Net debt below twice EBITDA 1,039 m net cash passed
- Operating cash flow covers the profits of the last three years 468 m passed
- Return on capital at 15% or higher, or up versus two years ago -10.0% failed
- Insiders hold at least 10% or are net buyers 8.2% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 1.3% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 4
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.37 | 3.25 – 3.51 | 331 | 98.1% | 5 |
| 12/31/2027 | 3.38 | 3.20 – 3.50 | 333 | 0.5% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.83 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -2.53 | -491.80 | 56 | -52.30 | -97.70 | 98 | 96 |
| 2025: Q1 | -6.58 | -815.20 | 68 | -51.10 | 21.90 | 25 | 23 |
| 2025: Q2 | 0.44 | -58.50 | 118 | -12.30 | 10.20 | 28 | 30 |
| 2025: Q3 | 0.24 | -71.10 | 116 | -16.00 | 6.50 | 80 | 79 |
| 2025: Q4 | -0.24 | – | 107 | 91.60 | -2.70 | -7 | -8 |
| 2026: Q1 | 0.74 | 111.20 | 108 | 59.70 | 17.10 | 17 | 16 |
| 2026: Q2 | 0.82 | 86.40 | – | – | – | 30 | 29 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 191 | 50 | 32 | 2.19 | 24 | 322 | 3,234 |
| 2017 | 211 | 26 | 16 | 0.88 | 70 | 450 | 4,413 |
| 2018 | 295 | 51 | 39 | 1.67 | 97 | 609 | 5,638 |
| 2019 | 327 | 72 | 56 | 2.28 | 119 | 662 | 6,087 |
| 2020 | 316 | 32 | 23 | 0.97 | 499 | 621 | 6,869 |
| 2021 | 313 | 99 | 81 | 3.61 | 334 | 664 | 7,444 |
| 2022 | 437 | 131 | 100 | 4.48 | 237 | 759 | 7,856 |
| 2023 | 67 | 108 | 75 | 3.41 | 155 | 792 | 7,867 |
| 2024 | 546 | 47 | 38 | 1.75 | 177 | 711 | 7,507 |
| 2025 | 468 | -103 | -124 | -5.69 | 126 | 566 | 6,513 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Midland States Bancorp, Inc. ist die Finanzholding der Midland States Bank, die verschiedene Bankprodukte und -dienstleistungen für Privatpersonen, Unternehmen, Kommunen und andere Einrichtungen anbietet.
| Employees | 839 |
|---|---|
| Headquarters | Effingham, IL |
| Address | 1201 Network Centre Drive, 62401 Effingham, United States |
| Phone | 217 342 7321 |
| Website | midlandsb.com |
| IPO Date | 24. May 2016 |
| ISIN | US5977421057 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Jeffrey G. Ludwig CPA | President, CEO & Vice Chairman | 1972 |
| Jeremy A. Jameson | Executive VP & Chief Banking Officer | 1981 |
| Claire A. Stack | Executive VP & CFO | 1989 |
| Kyle O. Mooney | Chief Information Officer | – |
| Shonna Kracinski | Director of Human Resources | – |
| Danny Leon Stevenson C.F.A. | Executive VP of Consumer Banking and Wealth Management | – |
| Ryan Lee Lange C.A.I.A., C.F.A. | Chief Investment Officer of Midland Wealth Management | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Ludwig Jeffrey G. | President & CEO | Sell | 8,383 | 34.00 | 285,023 |
| 28. Jul 2026 | Ludwig Jeffrey G. | President & CEO | Other | 8,383 | 28.59 | 239,670 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.