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MSBIP

BEARISH
$25.06 Live
Midland States Bancorp, Inc. · NASDAQ
$22.03 52W Range $25.94
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Ownership

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
N/A
P/E
N/A
ROE
-19.5%
Profit margin
-46.9%
Debt/Equity
N/A
Dividend yield
7.73%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
MSBIP exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, placing it firmly in the 'Weak' health category. Despite a high nominal dividend yield of 7.73%, the company is operating with a deeply negative profit margin of -46.88% and a negative ROE of -19.47%, suggesting the dividend may be unsustainable. While long-term price performance is positive, the current technical trend is heavily bearish (10/100) and Q/Q revenue has plummeted by 56.51%, indicating a sharp reversal in momentum.

Key Strengths

High dividend yield of 7.73%
Positive long-term price trajectory (5Y Change +30.5%)
Relatively low Price-to-Book ratio of 1.17
Strong year-over-year revenue growth (278.70%)
Positive 1-year price return (+15.6%)

Key Risks

Critical financial health failure (Piotroski F-Score 2/9)
Severe negative profitability (Profit Margin -46.88%)
Negative Return on Equity (-19.47%) and Return on Assets (-1.77%)
Significant Q/Q revenue contraction (-56.51%)
Strongly bearish technical trend (10/100)
AI Fair Value Estimate
Based on comprehensive analysis
$21.42
-14.5% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
40
Moderate
Value
45
Future
30
Past
65
Health
20
Dividend
40
AI Verdict
High Risk / Fundamental Deterioration
Key drivers: Negative ROE/ROA, Low Piotroski Score, Bearish Technicals, Unsustainable Profitability
Confidence
90%
Value
45/100

Price/Book of 1.17 is the only supporting value metric.

Positives
  • P/B ratio is near 1.0
Watchpoints
  • Negative earnings render P/E metrics useless
  • Lack of Graham Number baseline
Future
30/100

YoY growth of 278.7% is offset by a -56.51% Q/Q decline.

Positives
  • High YoY revenue growth
Watchpoints
  • Severe Q/Q revenue drop
  • Negative operating margins
Past
65/100

5Y Change of +30.5% shows historical resilience despite current decay.

Positives
  • Consistent growth over 1Y, 3Y, and 5Y periods
Watchpoints
  • Recent technical breakdown
Health
20/100

Piotroski score indicates critical weakness in financial stability.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 2/9
  • Negative ROE
  • Negative ROA
Dividend
40/100

Dividend strength score is 40/100.

Positives
  • High yield of 7.73%
Watchpoints
  • Negative profit margins make payout sustainability highly unlikely

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.06

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MSBIP and closest competitors.

Updated 2026-04-14
MSB
Midland States Bancorp, Inc.
Primary
5Y
+30.5%
3Y
+41.4%
1Y
+15.6%
6M
+9.1%
1M
+0.3%
1W
+0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.17
P/S Ratio
N/A
EV/Revenue
3.59
EV/EBITDA
N/A
Market Cap
N/A

Profitability

Profit margins and return metrics

Profit Margin -46.88%
Operating Margin 34.15%
Gross Margin N/A
ROE -19.47%
ROA -1.77%

Growth

Revenue and earnings growth rates

Revenue Growth +278.7%
Earnings Growth N/A
Q/Q Revenue Growth -56.51%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.25

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
-4.9%
Total Assets
$6.5B
Liabilities
$5.9B
Equity
$0.6B
Debt/Equity
10.52x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
110%

Financial Services Sector Comparison

Comparing MSBIP against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
Return on Equity (ROE)
-19.47%
This Stock
vs
0.23%
Sector Avg
-8613.1% (Below Avg)
Profit Margin
-46.88%
This Stock
vs
50.44%
Sector Avg
-192.9% (Weaker)
Revenue Growth
278.7%
This Stock
vs
37.35%
Sector Avg
+646.2% (Fast Growth)

Ownership Structure

Institutional and insider holdings breakdown

Ownership Breakdown

Top Institutional Holders

iShares Trust-iShares Preferred and Income Securities ETF
352,662 shares • 2026-01-31
Invesco Exch-Trd Fd. TRT II-Invesco Varbl Rate Preferred ETF
42,059 shares • 2026-02-28
ETFis Series Trust I-Virtus InfraCap U.S. Preferred Stock ETF
20,914 shares • 2026-01-31
ETF Series Solutions-AAM Low Duration Preferred and Income Securities
10,665 shares • 2026-01-31

Past News Coverage

Recent headlines mentioning MSBIP from our newsroom.

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