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Midland States Bank/$MSBI

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About Midland States Bank

Midland States Bancorp Inc is a diversified financial holding company. The company provides a full range of commercial and consumer banking products and services, business equipment financing, merchant credit card services, trust and investment management, and insurance and financial planning services. The Banking segment, which generates the majority of the revenue, provides financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage, and other consumer loan products; commercial equipment financing, etc. The Wealth Management segment consists of trust and fiduciary services, brokerage, and retirement planning services. The Corporate segment includes the holding company's financing and investment activities, administrative expenses.
Ticker
$MSBI
Sector
Finance
Primary listing
NASDAQ
Employees
850
Headquarters
Effingham, United States
Website
www.midlandsb.com

MSBI Metrics

BasicAdvanced
$660M
14.12
$2.25
0.64
$1.29
4.16%

What the Analysts think about MSBI

Analyst ratings (Buy, Hold, Sell) for Midland States Bank stock.
Analyst projections of the future price of Midland States Bank stock.

Bulls say / Bears say

Third-quarter earnings rose to $0.95 per share from $0.24 a year earlier, while the bank reported a 4.03% net interest margin and 1.35% return on assets. That points to a sharp recovery in profitability, though part of the margin lift came from an interest recovery. (Midland States Bancorp)
The core Community Bank portfolio grew 2.8% on an annualised basis in the quarter as Midland continued to run off non-core loans. If that shift towards core lending continues, it could leave the bank with a stronger-quality base for future growth. (Midland States Bancorp)
Credit indicators improved in the third quarter: nonperforming loans and past-due loans fell, and the nonperforming-asset ratio eased to 0.86%. Net charge-offs also moderated from the prior quarter, supporting the case that legacy credit problems are gradually being resolved. (Midland States Bancorp)
Credit risk remains material: nonperforming loans were still 1.37% of total loans, and Midland charged off $3.2 million on two previously identified commercial real-estate relationships in the quarter. Further deterioration in those exposures could keep losses and provisions high. (Midland States Bancorp)
Deposits fell by $89.8 million in the quarter, including a $112.7 million decline in retail deposits, while the cost of deposits rose four basis points. Continued deposit pressure could make funding more expensive and limit the benefit of margin improvement. (Midland States Bancorp)
Capital is exposed to rate-driven swings: an analyst estimated tangible common equity at about 6% after rising rates weighed on the measure, and said share buybacks had been paused until it recovers. The latest filing also recorded a $54.3 million quarterly other-comprehensive loss, underscoring that sensitivity. (StreetInsider, SEC)
Data summarised monthly by Lightyear AI. Last updated on 6 Nov 2026.

MSBI Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

MSBI Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing MSBI

Funds
Fund name
Fund size
$MSBI weighting
SPDR Russell 2000 US Small Cap€R2US
$5.3B0.02%
SPDR Russell 2000 US Small Cap£R2SC
$5.3B0.02%
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