# Midland States Bancorp Inc. (MSBI) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $33.22, market value $691 million.

## Valuation
- **P/E (trailing): 14.6×** (5-yr avg 9.4×, 3-yr avg 13.5×). Midland States Bancorp Inc. trades at 14.6× 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 9.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.9%** (5-yr avg 44.6%). Free cash flow equals 10.9% 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: 6.8%**. The inverse of the P/E: 6.8% 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: 3.97%** ($1.29 per share, trailing). Midland States Bancorp Inc. yields 3.97%, 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.

## Analyst view
- **Analyst consensus: hold** (4 analysts). 4 analysts cover Midland States Bancorp Inc.; the consensus is hold, with an average price target of $34.75 (+5% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 138.4%** (YTD 61.6%, 3-mo -2.6%). The shares are up 138.4% over twelve months including dividends.
- **From 52-week high: -5.4%** (120.6% above the low). Trading 5% below 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): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.69** (volatility 31%). Beta of 0.69 against the S&P 500: the shares move much less than the market.

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

Not investment advice.