Midland States Bancorp, Inc. (MSBI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 270 | 283 | 380 | 340 | 356 | 317 | 315 | - |
| Operating profit | $m | -103 | 58 | ||||||
| Net profit | $m | 23 | 81 | 100 | 61 | 38 | -124 | 43 | 71 |
| EPS reported | $ | -6.14 | 1.60 | ||||||
| Operating cashflow per share | $ | 5.75 | 5.66 | ||||||
| Capex per share | $ | 0.24 | 0.14 | ||||||
| FCF per share | $ | 5.51 | 5.52 | ||||||
| Free cash flow | $m | 120 | 116 | ||||||
| Net debt | $m | -1,039 | -1,611 | ||||||
| Book value equity | $m | 565 | 570 | ||||||
| Book value per share | $ | 25.88 | 27.03 | ||||||
| Number of shares | m | 21.85 | 21.07 | ||||||
| DPS (TTM paid) | $ | 1.26 | 1.29 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 20.79 | ||||||
| P/B LTM | x | 0.82 | 0.81 | ||||||
| P/S LTM | x | 1.46 | 1.47 | ||||||
| P/FCF LTM | x | 3.84 | 3.98 | ||||||
| EV/EBITDA LTM | x | -7.66 | 10.34 | ||||||
| EV/Sales LTM | x | 1.53 | 1.67 | ||||||
| Earnings Yield LTM | % | -26.86% | +4.81% | ||||||
| FCF Yield | % | +26.01% | +25.15% | ||||||
| Quality | |||||||||
| ROE | % | -21.98% | +7.55% | ||||||
| ROIC | % | -9.48% | +4.43% | ||||||
| Operating margin | % | -22.08% | +13.09% | ||||||
| Gross margin | % | +57.38% | +63.93% | ||||||
| FCF/Sales | % | +25.73% | +26.27% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | +21.21% | ||||||
| Sales Growth YoY | % | -11.15% | -11.59% | ||||||
| Net Income Growth YoY | % | - | +13.08% | ||||||
| FCF Growth | % | -29.07% | -31.41% | ||||||
| Operating Profit Growth | % | - | +23.58% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +7.91% | +3.86% | ||||||
| Dividend Growth | % | +1.61% | +4.03% | ||||||
| Payout Ratio | % | -27.27% | +106.61% | ||||||
| FCF/Debt | x | 0.32 | 0.34 | ||||||
| Net Debt/EBITDA | x | -2.71 | 0.67 | ||||||
| EBIT/Net interest | x | -0.68 | 0.45 | ||||||
| Net debt/market cap | % | +82.18% | +49.79% | ||||||
| Net debt/Equity | x | -1.84 | -2.83 | ||||||
| Gross debt/equity | x | 0.67 | 0.61 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as 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. The company was founded in 1881 and is headquartered in Effingham, Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Midland States Bancorp, Inc. (MSBI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as 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. The company was founded in 1881 and is headquartered in Effingham, Illinois.
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