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
Primary listing
Employees
880
Headquarters
Website
MSBI Metrics
BasicAdvanced
$365M
-
-$6.82
0.75
$1.25
7.57%
Price and volume
Market cap
$365M
Beta
0.75
52-week high
$19.60
52-week low
$14.79
Average daily volume
124K
Dividend rate
$1.25
Financial strength
Profitability
Net profit margin (TTM)
-62.09%
Operating margin (TTM)
29.65%
Effective tax rate (TTM)
17.90%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
0.60%
Return on equity (TTM)
-20.49%
Valuation
Price to revenue (TTM)
1.641
Price to book
0.79
Price to tangible book (TTM)
0.82
Price to free cash flow (TTM)
2.671
Free cash flow yield (TTM)
37.43%
Free cash flow per share (TTM)
6.334
Dividend yield (TTM)
7.39%
Forward dividend yield
7.57%
Growth
Revenue change (TTM)
-22.96%
Earnings per share change (TTM)
-19.01%
3-year revenue growth (CAGR)
-2.36%
3-year earnings per share growth (CAGR)
-24.80%
10-year earnings per share growth (CAGR)
4.16%
3-year dividend per share growth (CAGR)
2.84%
10-year dividend per share growth (CAGR)
15.25%
Bulls say / Bears say
Midland States reduced non-performing assets to 1.56% of total assets in Q2 2025, down from 2.08% in Q1 2025, after exiting $65 million in non-performing loans, signaling improved asset quality through credit remediation efforts. (Investing.com)
Net interest margin increased to 3.56% in Q2 2025, up by 7 basis points compared to Q1, primarily due to lower deposit costs following Federal Reserve rate cuts, strengthening overall profitability. (Investing.com)
Loans generated by the Community Bank segment rose by $58.9 million, or 1.8%, in Q2 2025, demonstrating strong demand and active loan pipelines for the bank’s core commercial and consumer lending products. (Investing.com)
Net income available to common shareholders dropped to $9.8 million in Q2 2025 from $23.5 million in Q2 2024, representing a 58% year-over-year decrease in profitability. (Nasdaq)
The bank set aside $17.4 million as a provision for credit losses in Q2 2025 due to pressure in the equipment finance portfolio, indicating ongoing credit risk concerns. (Nasdaq)
Net charge-offs totaled $29.9 million in Q2 2025, including $13.9 million from specialty finance and $3.9 million from equipment finance portfolios, underscoring continued asset quality issues. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Midland States Bank stock?
Midland States Bank (MSBI) has a market cap of $365M as of October 07, 2025.
What is the P/E ratio for Midland States Bank stock?
The price to earnings (P/E) ratio for Midland States Bank (MSBI) stock is 0 as of October 07, 2025.
Does Midland States Bank stock pay dividends?
Yes, the Midland States Bank (MSBI) stock pays dividends to shareholders. As of October 07, 2025, the dividend rate is $1.25 and the yield is 7.57%. Midland States Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Midland States Bank dividend payment date?
The next Midland States Bank (MSBI) dividend payment date is unconfirmed.
What is the beta indicator for Midland States Bank?
Midland States Bank (MSBI) has a beta rating of 0.75. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.