Are Options Traders Anticipating a Significant Shift in Midland States Bancorp Stock?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 24 2025
0mins
Source: NASDAQ.COM
Implied Volatility in Options Market: Midland States Bancorp, Inc. (MSBI) has seen significant implied volatility in its options market, particularly with the Jan. 16, 2025 $2.5 Call, indicating that investors expect a substantial price movement in the stock.
Analyst Sentiment and Earnings Estimates: The company currently holds a Zacks Rank #3 (Hold) in the Banks – Northeast industry, with no analysts increasing earnings estimates for the current quarter, leading to a decrease in the Zacks Consensus Estimate from 64 cents to 61 cents per share.
Options Trading Strategy: The high implied volatility may suggest a developing trade, as seasoned options traders often seek to sell premium on such options, hoping the stock does not move as much as anticipated by expiration.
Growth Potential in Semiconductor Market: A separate under-the-radar company specializing in semiconductor products is poised for growth, capitalizing on the increasing demand for technologies like Artificial Intelligence and Internet of Things, with global semiconductor manufacturing expected to nearly double by 2028.
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Analyst Views on MSBI
Wall Street analysts forecast MSBI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for MSBI is 19.00 USD with a low forecast of 19.00 USD and a high forecast of 19.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
0 Buy
3 Hold
0 Sell
Hold
Current: 22.800
Low
19.00
Averages
19.00
High
19.00
Current: 22.800
Low
19.00
Averages
19.00
High
19.00
About MSBI
Midland States Bancorp, Inc. is a diversified financial holding company. The Company’s segments include Banking, Wealth Management, and Other. The Banking segment provides a range of financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage and other consumer loan products; mortgage loan sales and servicing; letters of credit; various types of deposit products, including checking, savings and time deposit accounts; merchant services; and corporate treasury management services. The Wealth Management segment operates under the name Midland Wealth Management, which consists of 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 through a nationally recognized third-party broker dealer.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Midland States Bancorp (MSBI) Q4 Non-GAAP EPS Misses by $0.11, Revenue Beats by $11.22M
- Earnings Performance: Midland States Bancorp reported a Q4 Non-GAAP EPS of $0.53, missing expectations by $0.11, indicating pressure on profitability that could affect investor confidence.
- Revenue Trends: The company's Q4 revenue was $85.57 million, down 8.9% year-over-year, although it beat expectations by $11.22 million, the ongoing revenue decline may pose challenges for future growth.
- Asset Quality Metrics: The ratio of nonperforming assets to total assets remained stable at 1.02%, consistent with the prior quarter, indicating stable asset quality but still necessitating attention to potential credit loss risks.
- Credit Loss Provisions: The provision for credit losses on loans was $11.8 million in Q4, significantly down from $20.5 million in Q3, reflecting the company's cautious stance on future credit risks, which may help improve capital adequacy.
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Midland States Bancorp to Release Q4 2025 Financial Results on January 22
- Earnings Release Schedule: Midland States Bancorp will announce its Q4 2025 financial results after market close on January 22, 2026, which is expected to provide investors with insights into the company's latest financial performance and future outlook.
- Asset Scale Overview: As of September 30, 2025, the company reported total assets of approximately $6.91 billion, reflecting robust growth in the community banking sector and enhancing its competitive position in the market.
- Wealth Management Assets: The company's Wealth Management Group had approximately $4.36 billion in assets under administration, indicating strong performance in wealth management services that helps increase customer loyalty and diversify revenue streams.
- Comprehensive Financial Services: Midland States Bancorp offers a full range of commercial and consumer banking products and services, including merchant credit card services, trust, and investment management, aimed at meeting diverse financial needs and driving business growth.
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