M

    Midland States Bancorp, Inc. (MSBI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $32.79
    -0.21 (-0.64%)

    Market Cap: $684.82M

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    60%(24/40)
    Avg Surprise
    -13.56%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.88
    Range$0.83 - $0.92
    5 analysts
    EPS Revisions
    5
    0
    7d
    5
    0
    30d
    EPS Estimate Drift
    90d ago$0.80-9.7%
    60d ago$0.80-9.7%
    30d ago$0.80-9.7%
    7d ago$0.81-8.8%
    Current$0.88
    Revenue Consensus
    $84M
    Range$82M - $85M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.09
    Range$0.97 - $1.23
    5 analysts
    Revenue Consensus
    $91M
    Range$89M - $95M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.09---
    Sep 26EST
    		-$0.88---
    Jun 26
    Reported Jul 23
    		$0.82$0.78+5.13%Beat+86.4%
    Mar 26
    Reported Apr 23
    		$0.79$0.61+29.51%Beat+38.6%
    Dec 25
    Reported Jan 22
    		$0.53$0.75-29.33%Miss+121.0%
    Sep 25
    Reported Oct 30
    		$0.24N/A-62.50%Miss-67.6%
    Jun 25
    Reported Jul 24
    		$0.44$0.55-20.00%Miss+120.0%
    Mar 25
    Reported Jun 25
    		$0.57$0.52+9.62%Beat+7.5%
    Dec 24
    Reported Jan 23
    		$-2.52$0.67-476.12%Miss-383.1%
    Sep 24
    Reported Oct 24
    		$0.74$0.64+15.63%Beat-5.1%
    Jun 24
    Reported Jul 25
    		$0.20N/A-71.43%Miss-77.0%
    Mar 24
    Reported Apr 25
    		$0.53$0.72-26.39%Miss-39.8%
    Dec 23
    Reported Jan 25
    		$0.89$0.79+12.66%Beat+4.7%
    Sep 23
    Reported Oct 26
    		$0.78$0.77+1.30%Beat-25.0%
    Jun 23
    Reported Jul 27
    		$0.87$0.80+8.75%Beat-11.2%
    Mar 23
    Reported Apr 27
    		$0.88$0.82+7.32%Beat-4.3%
    Dec 22
    Reported Jan 26
    		$0.85$0.92-7.61%Miss-24.1%
    Sep 22
    Reported Oct 20
    		$1.04$1.01+2.97%Beat+20.9%
    Jun 22
    Reported Jul 28
    		$0.98$0.93+5.38%Beat+14.0%
    Mar 22
    Reported Apr 28
    		$0.92$0.86+6.98%Beat+12.2%
    Dec 21
    Reported Jan 27
    		$1.12$0.90+24.44%Beat+107.4%
    Sep 21
    Reported Oct 28
    		$0.86$0.84+2.38%Beat+65.4%
    Jun 21
    Reported Jul 22
    		$0.86$0.84+2.38%Beat+53.6%
    Mar 21
    Reported Apr 22
    		$0.82$0.84-2.38%Miss+110.3%
    Dec 20
    Reported Jan 28
    		$0.54$0.62-12.90%Miss-15.6%
    Sep 20
    Reported Oct 22
    		$0.52$0.53-1.89%Miss-21.2%
    Jun 20
    Reported Jul 23
    		$0.56$0.27+107.41%Beat-15.2%
    Mar 20
    Reported Apr 23
    		$0.39$0.55-29.09%Miss-32.8%
    Dec 19
    Reported Jan 23
    		$0.64$0.71-9.86%Miss-4.5%
    Sep 19
    Reported Oct 24
    		$0.66$0.66+0.00%Beat+3.1%
    Jun 19
    Reported Jul 25
    		$0.66$0.65+1.54%Beat+11.9%
    Mar 19
    Reported Apr 25
    		$0.58$0.54+7.41%Beat+11.5%
    Dec 18
    Reported Jan 24
    		$0.67$0.65+3.08%Beat+59.5%
    Sep 18
    Reported Oct 25
    		$0.64$0.64+0.00%Beat+30.6%
    Jun 18
    Reported Jul 26
    		$0.59$0.56+5.36%Beat+15.7%
    Mar 18
    Reported Apr 26
    		$0.52$0.49+6.12%Beat-8.8%
    Dec 17
    Reported Jan 25
    		$0.42$0.54-22.22%Miss+7.7%
    Sep 17
    Reported Oct 26
    		$0.49$0.58-15.52%Miss-14.0%
    Jun 17
    Reported Jul 27
    		$0.51$0.57-10.53%Miss-
    Mar 17
    Reported Apr 27
    		$0.57$0.53+7.55%Beat-
    Dec 16
    Reported Jan 26
    		$0.39$0.55-29.09%Miss-
    Sep 16
    Reported Oct 27
    		$0.57$0.51+11.76%Beat-

    Dividends

    Dividend Metrics

    Yield3.93%
    Annual/Share$1.29
    Payout Ratio63.19%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+2.79%
    5Y CAGR+3.32%
    View MSBI's full dividend history

    Key Metrics

    Valuation
    P/E Ratio13.78EV/EBITDAN/A
    Price/FCF5.94xFCF Yield16.84%
    Profitability
    Profit Margin15.00%Operating Margin35.60%
    ROE7.53%ROIC4.70%
    Financial Health
    Debt/Equity0.61xInterest Coverage0.45x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.64Avg Volume161.70K
    52-Week High$34.7652-Week Low$13.47

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$32.78
    SMA 20$33.08
    SMA 50$31.84
    SMA 200$24.93
    EMA 10$32.86
    EMA 20$32.78
    EMA 50$31.64
    EMA 200$26.11

    MACD

    Line: 0.25Signal: 0.39Hist: -0.14

    ADX

    ADX: 23.2+DI: 17.7-DI: 17.5

    Aroon & PSAR

    Aroon Up28.0
    Aroon DownN/A
    PSAR$33.50

    Bollinger Bands

    Upper Band$33.96
    Lower Band$32.19
    %B Position534%(Upper)
    Band Width0.34

    RSI (14-Day)

    Neutral
    52.9

    Momentum Oscillators

    Stoch %K35.8
    Stoch %D33.9
    Williams %R-68.0
    ROC (10d)-1.6%
    Momentum-0.53
    CCI (20d)-58.3
    MFI (14d)36.2

    Volatility Measures

    ATR (14d)$0.82(2.5%)
    StdDev (20d)0.44
    Hist Vol13.5%(Low)

    Volume Flow

    VWAP$32.83
    OBV6.1M
    AD Line-149.5M
    CMF (20d)-0.632

    Volume Metrics

    Avg Vol (20d)157.6K
    Vol Ratio0.8x
    VWMA (20d)$33.09

    Pivot Points

    R3$33.56
    R2$33.33
    R1$33.16
    Pivot Point$32.93
    S1$32.76
    S2$32.53
    S3$32.36

    Advanced Oscillators

    TSI11.21
    Ultimate Osc49.2
    KST31.04

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$83.36M$79.54M$85.57M$81.13M$82.23M$76.05M$93.94M$92.66M$90.88M$97.61M$139.59M$70.14M
    Cost of RevenueN/A$33.61M$33.39M$57.38M$56.60MN/AN/A$67.81M$56.52M$65.70M$53.55M$50.16M
    Gross ProfitN/A$74.54M$73.94M$58.13M$61.48M$67.70M$19.56M$69.76M$78.04M$72.70M$63.90M$64.11M
    Operating Expenses$50.76M$50.42M$77.19M$49.81M$49.99M$203.00M$58.70M$49.76M$50.78M$48.61M$63.67M$42.04M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$24.11M$-3,248,000$11.31M$14.87M$27.13M$-53,371,000$24.97M$31.81M$29.06M$20.51M$22.93M
    Interest Income$88.18M$86.02M$92.09M$98.49M$97.92M$99.36M$104.47M$108.99M$107.14M$105.53M$117.48M$103.58M
    Interest Expense$28.59M$28.61M$33.39M$37.38M$39.23M$41.06M$45.90M$49.88M$48.24M$45.76M$46.60M$44.99M
    Income Before Tax$25.78M$24.11M$-3,248,000$11.31M$14.87M$-137,802,000$-38,941,000$24.97M$31.81M$29.06M$7.54M$22.93M
    Income Tax Expense$5.89M$5.65M$-360,000$3.76M$2.84M$3.17M$-8,172,000$4.54M$6.09M$6.40M$1.14M$11.53M
    Net Income$19.89M$18.46M$-2,888,000$7.56M$12.02M$-140,974,000$-30,769,000$20.43M$25.72M$22.66M$6.41M$11.40M
    EBITDA$24.02M$22.44M$-3,739,000$10.88M$14.21M$-137,960,000$-40,411,000$27.55M$33.30M$31.16M$11.22M$24.44M
    EBIT$25.78M$24.11M$-3,248,000$11.31M$14.87M$-137,802,000$-38,941,000$24.97M$31.81M$29.06M$7.54M$22.93M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Hsbc Holdings PLC Takes $1.82 Million Position in Midland States Bancorp, Inc. $MSBI

    HSBC Holdings PLC has acquired a new position of 58,716 shares in Midland States Bancorp (MSBI), valued at approximately $1.82 million. This investment comes as Midland States Bancorp reported strong quarterly earnings, surpassing analyst expectations, and increased its quarterly dividend while authorizing a $45 million share buyback program. Despite insider sales by the CEO and COO, institutional investors collectively own a significant portion of the company's stock, and analysts currently hold a consensus "Hold" rating with a target price of $29.10.

    MarketBeat•8/31/26•
    Somewhat-Bullish

    BlackRock Inc. Acquires Shares of 2,920,667 Midland States Bancorp, Inc. $MSBI

    BlackRock Inc. acquired 2,920,667 shares of Midland States Bancorp, Inc. (NASDAQ:MSBI) in the second quarter, making it a significant institutional investor with a 14.08% stake. The acquisition, valued at approximately $90.95 million, comes as Midland States Bancorp reported strong quarterly earnings, beating expectations with $0.82 EPS and revenue of $83.74 million. The company also authorized a $45 million share-repurchase program and increased its quarterly dividend to $0.33, resulting in a 4.0% annualized yield.

    MarketBeat•8/30/26•
    Somewhat-Bullish

    69,309 Shares in Midland States Bancorp, Inc. $MSBI Bought by Connor Clark & Lunn Investment Management Ltd.

    Connor Clark & Lunn Investment Management Ltd. recently purchased 69,309 shares of Midland States Bancorp, Inc. (MSBI) for approximately $2.16 million, increasing their stake to 0.33%. This comes as institutional investors collectively own over 60% of the company, which recently reported strong earnings, raised its dividend, and authorized a share repurchase program. Despite recent insider selling, analysts maintain a "Hold" consensus for MSBI with a target price of $29.10.

    MarketBeat•8/30/26•
    Somewhat-Bullish

    Algert Global LLC Purchases 63,314 Shares of Midland States Bancorp, Inc. $MSBI

    Algert Global LLC increased its stake in Midland States Bancorp, Inc. by 46.1% in the second quarter, acquiring 63,314 shares to own a total of 200,545 shares valued at approximately $6.25 million. This comes as the company exceeded earnings and revenue expectations, reported a P/E ratio of 21.02, and announced an increased quarterly dividend of $0.33 per share, representing about a 4% yield. Despite insider sales, institutional investors own 60.93% of the stock, and analysts currently maintain a consensus "Hold" rating with a target price of $29.10.

    MarketBeat•8/27/26•
    Somewhat-Bullish

    Ieq Capital LLC Makes New $1.71 Million Investment in Midland States Bancorp, Inc. $MSBI

    Ieq Capital LLC has made a new $1.71 million investment in Midland States Bancorp, Inc. during the second quarter, acquiring 55,043 shares. This comes as Midland States Bancorp exceeded quarterly earnings expectations, reporting $0.82 EPS and authorizing a $45 million share buyback while increasing its quarterly dividend to $0.33. Despite cautious analyst sentiment, with a consensus "Hold" rating, the stock opened near its one-year high.

    MarketBeat•8/26/26•
    Somewhat-Bullish

    Frequently Asked Questions About MSBI

    What is MSBI's current dividend yield?
    Midland States Bancorp, Inc. (MSBI) has a current dividend yield of 3.93%.
    Does MSBI pay dividends?
    Yes, Midland States Bancorp, Inc. pays dividends with a current yield of 3.93%.
    What is MSBI's P/E ratio?
    Midland States Bancorp, Inc. has a price-to-earnings (P/E) ratio of 13.78.
    What is MSBI's market cap?
    Midland States Bancorp, Inc. (MSBI) has a market capitalization of $684.82M with a current stock price of $32.79.

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