Financial Services
Midland States Bancorp, Inc.(MSBIP)
Live Price
Offline$25.45
+0.55% today
1Y Change
+8.10%
Window
Jun 25, 2025 โ Jun 22, 2026
- Market Cap
- $570.00M
- Revenue Growth
- -14.4%
- EPS Growth
- -565.2%
- Dividend Yield
- 4.8%
Coverage: 248 bars ยท Jun 25, 2025 โ Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Midland States Bancorp, Inc. (MSBIP) is a Financial Services stock with a market cap of $570.00M and listed on NASDAQ. The stock last traded around $25.45 and up 8.1% across the available one-year price window (Jun 25, 2025 โ Jun 22, 2026). Baseline metrics include revenue growth of -14.4%, EPS growth of -565.2%, a dividend yield of 4.8%. What stands out right now is revenue -14.4%, EPS -565.2%, free cash flow -29.1% with operating margin 10.5% and ROIC 0.5%. The dividend matters to the case here, with a current yield around 4.8%. Valuation is more restrained than many high-expectation growth names at P/E 16.0 and price/sales 1.3. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines MSBIP price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-14.4% vs +3.4% peer median
Operating Margin
Above sector median
+10.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -14.4% and EPS is at -565.2%, with operating margin around 10.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 4.8%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.8% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | +0.4% | +0.8% | +0.9% |
2026 Jan 22, 2026 | -3900.0% | +0.0% | +1.0% | +1.5% |
2025 Oct 30, 2025 | -46.0% | -1.1% | +0.6% | +1.8% |
Benchmark Edge
MSBIP vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
MSBIP
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
MSBIP Max Drawdown
-7.21%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for MSBIP and SPY.
Company Overview
Midland States Bancorp, Inc.
NASDAQ Global Select
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 through Banking, Wealth Management, and Other segments. The company accepts various deposits, such as checking, savings, money market, and sweep accounts, as well as certificates of deposits. It also offers term loans to purchase capital equipment; lines of credit for working capital and operational purposes; commercial real estate loans for owner occupied and non-owner occupied commercial property, as well as farmland loans; construction and land development loans developers of commercial real estate investment properties, residential developments, individual clients for construction of single family homes, as well as to construct owner-user properties; and residential real estate loans and home equity lines of credit.. In addition, the company provides consumer installment loans for the purchase of cars, boats, and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; commercial equipment leasing; and trust and wealth management products and services, including 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. As of December 31, 2021, it operated 52 full-service banking offices. The company was founded in 1881 and is headquartered in Effingham, Illinois.
- Leadership
- Jeffrey G. Ludwig
- IPO Date
- Aug 29, 2022
- Employees
- 907
- Street Address
- 1201 Network Centre Drive
- Mailing
- Effingham, IL, 62401
- Region
- Effingham, IL, US
- Reporting Currency
- USD
- Investor Line
- 217 342 7321
- Last Updated
- May 2, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 16.0
- EV/EBITDA
- 17.4
- Price/Sales
- 1.3
- Price/Book
- 1.0
Growth
- Revenue
- -14.4%
- EPS
- -565.2%
- Free Cash Flow
- -29.1%
Profitability
- Gross Margin
- 59.7%
- Operating Margin
- 10.5%
- Net Margin
- 7.8%
- ROE
- 6.2%
- ROIC
- 0.5%
Balance Sheet
- Debt/Equity
- 0.84
- Current Ratio
- 0.74
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.