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MSBI vs V

MSBI
Midland States Bancorp, Inc.
BEARISH
Price
$23.71
Market Cap
$509.0M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MSBI
--
V
28.35
Forward P/E
MSBI
8.63
V
20.79
P/B Ratio
MSBI
1.1
V
15.09
P/S Ratio
MSBI
1.92
V
14.08
EV/EBITDA
MSBI
--
V
20.06

Profitability

Gross Margin
MSBI
0.0%
V
97.78%
Operating Margin
MSBI
34.15%
V
68.3%
Profit Margin
MSBI
-46.88%
V
50.23%
ROE
MSBI
-19.47%
V
53.95%
ROA
MSBI
-1.77%
V
18.36%

Growth

Revenue Growth
MSBI
278.7%
V
14.6%
Earnings Growth
MSBI
--
V
17.4%

Financial Health

Debt/Equity
MSBI
--
V
0.55
Current Ratio
MSBI
--
V
1.11
Quick Ratio
MSBI
--
V
0.72

Dividends

Dividend Yield
MSBI
5.36%
V
0.89%
Payout Ratio
MSBI
124.75%
V
22.91%

AI Verdict

MSBI BEARISH

MSBI exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and negative profitability metrics (ROE -19.47%, ROA -1.77%). While the stock has seen strong 1-year price appreciation, the underlying financial health is precarious, evidenced by a dividend payout ratio of 124.75% which is fundamentally unsustainable. The combination of a bearish technical trend (10/100), consistent earnings misses (0/4 in the last year), and negative profit margins suggests the current price is detached from the company's operational reality.

Strengths
Strong 1-year price performance (+67.8%)
Low Forward P/E ratio (8.63)
Price-to-Book ratio near 1.10, suggesting fair asset valuation
Risks
Unsustainable dividend payout ratio (124.75%)
Severe fundamental weakness (Piotroski F-Score 2/9)
Negative profit margins (-46.88%) and negative ROE
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

MSBI vs V: Head-to-Head Comparison

This page compares Midland States Bancorp, Inc. (MSBI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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