MSBI PE Ratio & Valuation,Is MSBI Overvalued

MSBI Relative Valuation

MSBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, MSBI is overvalued; if below, it's undervalued.

Historical Valuation

Midland States Bancorp Inc (MSBI) is now in the Fair zone, suggesting that its current forward PE ratio of 7.99 is considered Fairly compared with the five-year average of 7.80. The fair price of Midland States Bancorp Inc (MSBI) is between 20.07 to 26.15 according to relative valuation methord.

Relative Value

Fair Zone

20.07-26.15

Current Price：21.20

Fair

7.99

0.00

EV/EBITDA

Midland States Bancorp Inc. (MSBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Midland States Bancorp Inc. (MSBI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

1.50

Midland States Bancorp Inc. (MSBI) has a current PS of 1.50. The 5-year average PS is 1.72. The thresholds are as follows: Strongly Undervalued below 1.10, Undervalued between 1.10 and 1.41, Fairly Valued between 2.02 and 1.41, Overvalued between 2.02 and 2.33, and Strongly Overvalued above 2.33. The current Forward PS of 1.50 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Midland States Bancorp Inc. (MSBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Midland States Bancorp Inc. (MSBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Midland States Bancorp Inc (MSBI) has a current Price-to-Book (P/B) ratio of 0.96. Compared to its 3-year average P/B ratio of 0.74 , the current P/B ratio is approximately 30.07% higher. Relative to its 5-year average P/B ratio of 0.80, the current P/B ratio is about 20.23% higher. Midland States Bancorp Inc (MSBI) has a Forward Free Cash Flow (FCF) yield of approximately 39.60%. Compared to its 3-year average FCF yield of 27.79%, the current FCF yield is approximately 42.49% lower. Relative to its 5-year average FCF yield of 44.15% , the current FCF yield is about -10.29% lower.

0.96

P/B

Median3y

0.74

Median5y

0.80

39.60

FCF Yield

Median3y

27.79

Median5y

44.15

Competitors Valuation Multiple

The average P/S ratio for MSBI's competitors is 2.76, providing a benchmark for relative valuation. Midland States Bancorp Inc Corp (MSBI) exhibits a P/S ratio of 1.50, which is -45.78% above the industry average. Given its robust revenue growth of 4.26%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of MSBI decreased by 11.72% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -1.93 to -2.87.

The secondary factor is the Revenue Growth, contributed 4.26%to the performance.

Overall, the performance of MSBI in the past 1 year is driven by P/E Change. Which is more unsustainable.

4.26%

73.78M → 76.93M

Revenue Growth

-64.54%

27.69 → 9.82

Margin Expansion

48.56%

-1.93 → -2.87

P/E Change

-11.72%

24.02 → 21.20

Mkt Cap Growth

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Frequently Asked Questions

Is Midland States Bancorp Inc (MSBI) currently overvalued or undervalued?

What is Midland States Bancorp Inc (MSBI) fair value?

MSBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Midland States Bancorp Inc (MSBI) is between 20.07 to 26.15 according to relative valuation methord.

How does MSBI's valuation metrics compare to the industry average?

What is the current P/B ratio for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

As of Dec 15 2025, Midland States Bancorp Inc (MSBI) has a P/B ratio of 0.96. This indicates that the market values MSBI at 0.96 times its book value.

What is the current FCF Yield for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

As of Dec 15 2025, Midland States Bancorp Inc (MSBI) has a FCF Yield of 39.60%. This means that for every dollar of Midland States Bancorp Inc’s market capitalization, the company generates 39.60 cents in free cash flow.

What is the current Forward P/E ratio for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

As of Dec 15 2025, Midland States Bancorp Inc (MSBI) has a Forward P/E ratio of 7.99. This means the market is willing to pay $7.99 for every dollar of Midland States Bancorp Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

As of Dec 15 2025, Midland States Bancorp Inc (MSBI) has a Forward P/S ratio of 1.50. This means the market is valuing MSBI at $1.50 for every dollar of expected revenue over the next 12 months.

MSBI Valuation

MSBI Valuation

MSBI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Midland States Bancorp Inc (MSBI) currently overvalued or undervalued?

What is Midland States Bancorp Inc (MSBI) fair value?

How does MSBI's valuation metrics compare to the industry average?

What is the current P/B ratio for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

What is the current FCF Yield for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

What is the current Forward P/E ratio for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?

What is the current Forward P/S ratio for Midland States Bancorp Inc (MSBI) as of Dec 15 2025?