MSBI Company Profile and Key Details

Q: Who are the executives of MSBI?

Mr. Timothy J. SpitzSouth Senior Vice President of Banking

NASDAQ : MSBI

Midland States Bancorp

$28.14

0.51+1.85%

At Close 4:00 PM

74.74

B+ESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Midland States Bancorp, Inc. (MSBI) stock declined over -1.17%, trading at $27.81 on NASDAQ, down from the previous close of $28.14. The stock opened at $27.97, fluctuating between $27.68 and $28.25 in the recent session.

Stock Snapshot

28.14

Prev. Close

576.5M

Market Cap

27.68

Day Low

23.18

P/E Ratio

1.2

EPS (TTM)

5.83

Cash Flow per Share

27.97

Open

20.73M

Number of Shares

28.25

Day High

93.37%

Free Float in %

36.74

Book Value

102.82K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
May 26, 2026	27.68	28.24	27.68	28.14	141.56K
May 22, 2026	27.63	28.00	27.58	27.63	125.78K
May 21, 2026	27.20	27.65	26.92	27.58	143.72K
May 20, 2026	26.59	27.50	26.38	27.46	130.2K
May 19, 2026	26.58	26.76	26.33	26.56	178.53K
May 18, 2026	26.65	27.02	26.56	26.69	97.26K
May 15, 2026	26.58	26.76	26.20	26.55	139.96K
May 14, 2026	26.85	27.16	26.64	27.04	119.18K
May 13, 2026	26.79	27.21	26.43	26.67	132.33K
May 12, 2026	27.16	27.26	26.45	27.00	113.32K
May 11, 2026	28.34	28.34	27.50	27.53	93.64K
May 08, 2026	28.36	28.53	28.03	28.31	102.29K
May 07, 2026	28.00	28.46	27.93	28.34	221.27K
May 06, 2026	27.69	28.38	27.34	27.79	213.35K
May 05, 2026	26.14	27.10	25.90	27.08	208.49K
May 04, 2026	26.28	26.43	25.83	25.97	155.24K
Apr 30, 2026	25.36	26.49	25.32	26.01	147.22K
Apr 29, 2026	26.02	26.11	25.41	25.61	222.81K
Apr 28, 2026	25.38	26.50	25.38	25.98	184.63K
Apr 27, 2026	25.35	26.61	25.35	25.84	256.24K

Contact Details

Effingham, IL 62401

United States

https://www.midlandsb.com 217 342 7321

About Company

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.

Stock Peers

FCNCA

5.37+0.27%

First Citizens BancShares, Inc.$1,996.92 HIFS

1.75+0.61%

Hingham Institution for Savings$286.62 CATC

Cambridge Bancorp$220.00 BPOP

1.62+1.08%

Popular, Inc.$152.12 WTFC

1.52+1.01%

Wintrust Financial Corporation$151.41 BFC

-0.02-0.01%

Bank First Corporation$141.85 UMBF

3.18+2.42%

UMB Financial Corporation$134.39 BOKF

1.685+1.29%

BOK Financial Corporation$132.43 NBN

3.14+2.54%

Northeast Bank$126.64 CHCO

0.595+0.48%

City Holding Company$125.23

Company Overview

Midland States Bancorp, Inc. (NASDAQ:MSBI) closed at $27.81 USD, losing -$0.33 (-1.17%) from the previous close of $28.14. The stock is currently within 5% of its 52-week high $14.24 and $28.53. With a market capitalization of about $576.50 million, Midland States Bancorp, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.65). Key stats such as the average daily volume over the past year has been around 147.14 thousand shares, volume is running light vs its 52-week average. Headquartered in Effingham, IL, Midland States Bancorp, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Jeffrey G. Ludwig, the company employs approximately 907 people and listed since May 24, 2016. 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.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 -0.94%, SMA50 2.39%, SMA200 23.41%). The stock’s 14-day RSI is 51.86 (neutral), while the ATR of 0.69 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -6.25% below its high and over 61.73% above its low. Average 10-day trading volume of 136.18 thousand shares is in line with the 3-month average of 142.65 thousand, indicating normal recent market interest.

Valuation Metrics

Midland States Bancorp, Inc. trades at a P/E ratio of 16.85, slightly below the S&P 500 average, with a price-to-sales ratio of 1.28 and a price-to-book ratio of 1.06 suggesting the stock is closer to book value. The P/FCF stands at 4.92, also above market averages.

Dividend & Fair Value

Midland States Bancorp, Inc. last paid a dividend of 1.28 per share, this equals a trailing yield of roughly 5.75%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $64.50. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

The latest quarter delivered EPS of $0.76. The next quarter is forecast at $0.61. Next year's EPS is expected at -$7.23. Analyst sentiment is neutral. Analyst rating data shows there are 0 Strong Buy ratings, 0 Buy ratings, 9 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $28.00 to $17.00. The high target offers -0.5% upside. The low target suggests -39.59% downside. The mean target is $21.94. This offers -22.03% upside. Midland States Bancorp, Inc. earnings surprise history is a mixed track record. The quarter that ended April 23, 2026, missed forecasts by 26.67%. The prior quarter beat by -24.29%. Over the last six quarters, Apple has recorded several small beats. These include 15.62% in October 24, 2024.

Shareholding & Insider Activity

Midland States Bancorp, Inc. has 21.17 million shares outstanding. The public float is 19.30 million shares, elevated short interest at 2.40% of float. This equals 492.68 thousand shares. The short ratio is 2.75 days. Institutional investors hold 70.53% of the float. Insiders own 5.49%. Funderburg R. Robert Jr holds 411.86 thousand shares, Ludwig Jeffrey G. has 343.94 thousand shares and Schultz John M has 288.43 thousand shares. Over the past six months, insider transactions show net buying. They sold 2.81 thousand shares across 1 transactions.

Financial & Profitability Overview

Over the trailing twelve months, Midland States Bancorp generated $77.74M in revenue, or $3.59 per share. Gross margin was 100.00%, operating margin 0.00%, and net profit margin -17.27%. Returns are negative, with ROA at -0.17% and ROE at -1.70%.
On valuation metrics, Midland States Bancorp trades at a P/E of 16.85, P/S of 1.28 and P/B of 1.06. Liquidity is tight, with a current ratio of 0.26 and quick ratio of 0.26. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 21.03 days. Debt-to-equity is 0.75, supported by a cash flow-to-debt ratio of 0.28.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2024, Midland States Bancorp posted revenue of $77.74M, down slightly from $470.45M in the prior quarter. Gross profit was $77.74M (margin 100.00%). Operating income was $0.00 (margin 0.0%). Net income was- $13.43M (EPS - $0.62).
The company ended the quarter with $135.06M in cash and short-term investments, a total debt of $664.36M, and net debt of $530.15M. Total assets were $7.87B, with equity of $791.85M. Financials further reflected stability, with operating cash flow of $114.74M, free cash flow of $57.41M, and capital expenditures of - $57.33M.

Price Forecast & Outlook

Our AI price prediction model suggests that Midland States Bancorp, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 4.23%, with price expected at $29.33 by June 09, 2026, within a range of $28.21 to $30.34 3-Month Outlook: Projected fall of -3.27%, reaching $27.22 by August 24, 2026, with a range of $25.87 to $28.91. 1-Year Outlook: Projected loss of -2.27%, with price at $27.50 by May 26, 2027, within a range of $26.28 to $28.54.

Key Takeaways

Midland States Bancorp, Inc. (NASDAQ:MSBI) shares are flat 5.24% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Midland States Bancorp, Inc. trading at a premium to the broader market with a P/E of 16.85. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $23.86, suggesting -15.21% downside. Our AI forecast model points to short-term strength (4.23% over two weeks), a medium-term fall (-3.27% over three months), and a longer-term loss (-2.27% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Midland States Bancorp, Inc. (MSBI) stock price?

Midland States Bancorp, Inc. (NASDAQ: MSBI) stock price is $27.81 in the last trading session. During the trading session, MSBI stock reached the peak price of $28.25 while $27.68 was the lowest point it dropped to. The percentage change in MSBI stock occurred in the recent session was -1.17% while the dollar amount for the price change in MSBI stock was - $0.33.

MSBI's industry and sector of operation?

The NASDAQ listed MSBI is part of Banks - Regional industry that operates in the broader Financial Services sector. Midland States Bancorp, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of MSBI?

Mr. Timothy J. Spitz
South Senior Vice President of Banking

How MSBI did perform over past 52-week?

MSBI's closing price is 97.61% higher than its 52-week low of $14.24 where as its distance from 52-week high of $28.53 is -1.37%.

How many employees does MSBI have?

Number of MSBI employees currently stands at 907.

Link for MSBI official website?

Official Website of MSBI is: https://www.midlandsb.com

How do I contact MSBI?

MSBI could be contacted at phone 217 342 7321 and can also be accessed through its website. MSBI operates from 1201 Network Centre Drive, Effingham, IL 62401, United States.

How many shares of MSBI are traded daily?

MSBI stock volume for the day was 102.82K shares. The average number of MSBI shares traded daily for last 3 months was 147.14K.

What is the market cap of MSBI currently?

The market value of MSBI currently stands at $576.50M with its latest stock price at $27.81 and 20.73M of its shares outstanding.

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Employees	907
Beta	0.58
Sales or Revenue	$77.74M
5Y Sales Change%	0.656%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

MSBI Company Profile and Key Details

Midland States Bancorp

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Earnings & Analyst Outlook

Company Overview

Shareholding & Insider Activity

Dividend & Fair Value

Financial & Profitability Overview

Quarterly Financial Highlights

Valuation Metrics

Key Takeaways

Price Forecast & Outlook