# Midland States Bancorp Inc. (MSBI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $33.73, market value $700 million.

## Valuation
- **P/E (trailing): 21.5×** (5-yr avg 9.4×, 3-yr avg 13.5×). Midland States Bancorp Inc. trades at 21.5× trailing earnings, well above its own five-year average of 9.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 16.6%** (5-yr avg 44.6%). Free cash flow equals 16.6% of the market value, below its five-year average of 44.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 4.7%**. The inverse of the P/E: 4.7% of the price is earned each year.

## Profitability
- **Return on equity: -22.0%**. Return on equity is negative because earnings are negative.

## Growth
- **EPS growth (1 yr): -563.6%**. Earnings per share fell 563.6%.
- **Free-cash-flow growth (3 yr): -24.7%/yr**. Free cash flow has compounded at -24.7% a year over three years.

## Financial health
- **Cash and short-term investments: $128 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.91%** ($1.28 per share, trailing). Midland States Bancorp Inc. yields 3.91%, an income-level yield.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.3%/yr** (1-yr 1.6%). The dividend has grown 3.3% a year over five years.

## Price and momentum
- **Total return (1 yr): 89.2%** (YTD 63.5%, 3-mo 18.2%). The shares are up 89.2% over twelve months including dividends.
- **From 52-week high: -3.9%** (136.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.77** (volatility 33%). Beta of 0.77 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MSBI · Page: https://foliofundamentals.com/stocks/msbi

Not investment advice.