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  3. MSBI
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MSBI

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    Overview
    Forecast
    Valuation
    Earnings
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Amount
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EV/EBITDA(TTM)
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
79.63M
+5.34%
0.632
-125.08%
77.55M
+2.11%
0.626
+9.82%
78.10M
-5.02%
0.660
+50%
Estimates Revision
The market is revising Upward the revenue expectations for Midland States Bancorp, Inc. (MSBI) for FY2025, with the revenue forecasts being adjusted by 0.59% over the past three months. During the same period, the stock price has changed by 10.31%.
Revenue Estimates for FY2025
Revise Upward
up Image
+0.59%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
down Image
-18.16%
In Past 3 Month
Stock Price
Go Up
up Image
+10.31%
In Past 3 Month
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 18.67 USD with a low forecast of 17.00 USD and a high forecast of 21.00 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.
4 Analyst Rating
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 18.67 USD with a low forecast of 17.00 USD and a high forecast of 21.00 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.
0 Buy
4 Hold
0 Sell
Hold
Current: 20.010
sliders
Low
17.00
Averages
18.67
High
21.00
Current: 20.010
sliders
Low
17.00
Averages
18.67
High
21.00
Piper Sandler
Nathan Race
Neutral
maintain
$18 -> $19
2025-12-02
New
Reason
Piper Sandler
Nathan Race
Price Target
$18 -> $19
2025-12-02
New
maintain
Neutral
Reason
Piper Sandler analyst Nathan Race raised the firm's price target on Midland States to $19 from $18 and keeps a Neutral rating on the shares. The firm notes the company announced the majority sale of its Midland Equipment Finance portfolio totaling $545M to North Mill Equipment Finance for $502M. Proceeds are expected to pay down about $350M in higher cost wholesale funding.
Piper Sandler
Neutral
downgrade
$21 -> $18
2025-11-04
Reason
Piper Sandler
Price Target
$21 -> $18
2025-11-04
downgrade
Neutral
Reason
Piper Sandler lowered the firm's price target on Midland States to $18 from $21 and keeps a Neutral rating on the shares following quarterly results. While elevated credit costs were again a disappointment in Q3, the firm believes management's decision to cease equipment finance production and various other ongoing initiatives should eventually improve Midland's franchise value.
Keefe Bruyette
Market Perform
downgrade
$20 -> $17
2025-11-03
Reason
Keefe Bruyette
Price Target
$20 -> $17
2025-11-03
downgrade
Market Perform
Reason
Keefe Bruyette lowered the firm's price target on Midland States to $17 from $20 and keeps a Market Perform rating on the shares.
Stephens
Stephens
Equal Weight
maintain
$21
2025-09-10
Reason
Stephens
Stephens
Price Target
$21
2025-09-10
maintain
Equal Weight
Reason
Stephens reinstated coverage of Midland States with an Equal Weight rating and $21 price target, noting that the company has filed 10-Qs as well as updated presentations after having reported delays in financial reporting connected to errors in third-party loan origination programs. Management's efforts to exit or strengthen underwriting in several lending platforms should improve Midland's credit trends in 2026, though the firm is "less sure" about the second half of 2025, the analyst tells investors.
Piper Sandler
Neutral
maintain
$18 -> $21
2025-07-11
Reason
Piper Sandler
Price Target
$18 -> $21
2025-07-11
maintain
Neutral
Reason
Piper Sandler raised the firm's price target on Midland States to $21 from $18 and keeps a Neutral rating on the shares. The firm notes that Midland recently filed its 2024 10-K that included some first half of 2025 updates and restated results from 2022 to 2024, reflecting accounting adjustments tied to largely discontinued third-party loan origination programs.
Piper Sandler
Nathan Race
Hold
Maintains
$29 → $23
2025-01-28
Reason
Piper Sandler
Nathan Race
Price Target
$29 → $23
2025-01-28
Maintains
Hold
Reason
See All Ratings

Valuation Metrics

The current forward P/E ratio for Midland States Bancorp Inc (MSBI.O) is 7.20, compared to its 5-year average forward P/E of 7.81. For a more detailed relative valuation and DCF analysis to assess Midland States Bancorp Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
7.81
Current PE
7.20
Overvalued PE
9.24
Undervalued PE
6.37

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
1.72
Current PS
0.00
Overvalued PS
2.02
Undervalued PS
1.41
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Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders areBuying! The selling amount has increased 613.86% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areBuying! The selling amount has increased 613.86% over the last month.
Sold
Bought
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MSBI News & Events

Events Timeline

(ET)
2025-12-01
09:10:00
Midland States Bancorp Sells Equipment Finance Portfolio for $502 Million
select
2025-11-03 (ET)
2025-11-03
16:48:30
Midland States Launches $25 Million Stock Buyback Initiative
select
2025-08-24 (ET)
2025-08-24
13:02:22
Midland States Gets Anticipated Deficiency Notice from Nasdaq
select
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News

[object Object]
Preview
4.5
12-01Globenewswire
Midland States Bancorp Sells Equipment Finance Portfolio for $502 Million
  • Asset Sale: Midland States Bank sold substantially all of its equipment finance portfolio for $502 million in cash, closing on November 28, 2025, which is expected to result in a pre-tax loss of approximately $20 million, reflecting pressure in a high-cost financing environment.
  • Asset Reduction: The transaction reduces total loans and leases by approximately $545 million, further weakening the company's balance sheet and indicating a strategic shift away from higher-risk asset classes to focus on core community banking operations.
  • Use of Proceeds: The company intends to use the majority of the proceeds to pay down about $350 million of high-cost wholesale funding, aiming to improve its capital structure and reduce financing costs, thereby enhancing future financial flexibility.
  • Strategic Realignment: This asset sale aligns with the company's previously announced strategy to concentrate resources on community banking and wealth management, expected to be accretive to capital and neutral to earnings, demonstrating a cautious approach to future growth.
[object Object]
Preview
4.5
12-01Newsfilter
Midland States Bancorp Sells Equipment Finance Portfolio for $502 Million
  • Transaction Overview: Midland States Bank sold nearly all of its equipment finance portfolio for $502 million in cash on November 28, 2025, resulting in a reduction of approximately $545 million in total loans and leases, reflecting the company's commitment to restructuring its asset base.
  • Financial Impact: The transaction is expected to incur a pre-tax loss of about $20 million in Q4 2025; however, the company plans to use most of the proceeds to pay down approximately $350 million of high-cost wholesale funding, thereby improving its financial health.
  • Strategic Shift: This asset sale aligns with the company's strategy to focus on core community banking operations, which is anticipated to enhance capital levels and have a neutral impact on earnings, further solidifying its market position in community banking.
  • Market Reaction: While the transaction may lead to short-term losses, company executives assert that it will facilitate capital redeployment, reduce exposure to higher-risk asset classes, and strengthen future growth potential.
[object Object]
Preview
5.0
11-07Newsfilter
Midland States Bancorp, Inc. Reveals Upcoming Retirement of Jeffrey S. Mefford

  • Retirement Announcement: Jeffrey S. Mefford will retire as President of Midland States Bank and Executive Vice President of Midland States Bancorp on June 30, 2026, after 22 years with the bank, including seven years as President.

  • Succession Plan: Jeremy A. Jameson will be promoted to Executive Vice President - Chief Banking Officer, overseeing Regional Presidents and commercial lending, as part of the company's succession strategy.

  • Leadership Acknowledgment: CEO Jeffrey G. Ludwig expressed gratitude for Mefford's contributions to the bank's growth and emphasized the importance of a smooth transition.

  • Company Overview: Midland States Bancorp, based in Effingham, Illinois, has total assets of approximately $6.91 billion and offers a wide range of banking and financial services.

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FAQ

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What is Midland States Bancorp Inc (MSBI) stock price today?

The current price of MSBI is 20.01 USD — it has increased 6.49 % in the last trading day.

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What is Midland States Bancorp Inc (MSBI)'s business?

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.

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What is the price predicton of MSBI Stock?

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 18.67 USD with a low forecast of 17.00 USD and a high forecast of 21.00 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.

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What is Midland States Bancorp Inc (MSBI)'s revenue for the last quarter?

Midland States Bancorp Inc revenue for the last quarter amounts to 76.93M USD, increased 4.26 % YoY.

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What is Midland States Bancorp Inc (MSBI)'s earnings per share (EPS) for the last quarter?

Midland States Bancorp Inc. EPS for the last quarter amounts to 0.24 USD, decreased -71.08 % YoY.

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What changes have occurred in the market's expectations for Midland States Bancorp Inc (MSBI)'s fundamentals?

The market is revising Upward the revenue expectations for Midland States Bancorp, Inc. (MSBI) for FY2025, with the revenue forecasts being adjusted by 0.59% over the past three months. During the same period, the stock price has changed by 10.31%.
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How many employees does Midland States Bancorp Inc (MSBI). have?

Midland States Bancorp Inc (MSBI) has 864 emplpoyees as of December 05 2025.

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What is Midland States Bancorp Inc (MSBI) market cap?

Today MSBI has the market capitalization of 431.25M USD.

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