MSBI PE Ratio & Valuation, Is MSBI Overvalued

Historical Valuation

Midland States Bancorp Inc (MSBI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.22 is considered Fairly compared with the five-year average of 7.88. The fair price of Midland States Bancorp Inc (MSBI) is between 21.64 to 27.84 according to relative valuation method.

Relative Value

Fair Zone

21.64-27.84

Current Price：22.99

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

Unlock 5-Year Valuation Change

Is Midland States Bancorp Inc (MSBI) at a historical peak or a rare bargain? Access the full 5-year trend to find out.

Unlock Now

Midland States Bancorp Inc (MSBI) has a current Price-to-Book (P/B) ratio of 0.85. Compared to its 3-year average P/B ratio of 0.74, the current P/B ratio is approximately 14.24% higher. Relative to its 5-year average P/B ratio of 0.81, the current P/B ratio is about 5.10% higher. Midland States Bancorp Inc (MSBI) has a Forward Free Cash Flow (FCF) yield of approximately 25.57%. Compared to its 3-year average FCF yield of 26.29%, the current FCF yield is approximately -2.73% lower. Relative to its 5-year average FCF yield of 39.71%, the current FCF yield is about -35.60% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for MSBI competitors is 2.53, providing a benchmark for relative valuation. Midland States Bancorp Inc Corp (MSBI.O) exhibits a P/S ratio of 1.56, which is -38.49% above the industry average. Given its robust revenue growth of -39.78%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of MSBI increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of MSBI in the past 1 year(s) is driven by Unknown.

People Also Watch

Frequently Asked Questions

Is 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 21.64 to 27.84 according to relative valuation method.

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

The average P/S ratio for MSBI's competitors is 2.53, providing a benchmark for relative valuation. Midland States Bancorp Inc Corp (MSBI) exhibits a P/S ratio of 1.56, which is -38.49% above the industry average. Given its robust revenue growth of -39.78%, this premium appears unsustainable.

What is the current P/B ratio for Midland States Bancorp Inc (MSBI) as of Apr 03 2026?

As of Apr 03 2026, Midland States Bancorp Inc (MSBI) has a P/B ratio of 0.85. This indicates that the market values MSBI at 0.85 times its book value.

What is the current FCF Yield for Midland States Bancorp Inc (MSBI) as of Apr 03 2026?

As of Apr 03 2026, Midland States Bancorp Inc (MSBI) has a FCF Yield of 25.57%. This means that for every dollar of Midland States Bancorp Inc's market capitalization, the company generates 25.57 cents in free cash flow.

What is the current Forward P/E ratio for Midland States Bancorp Inc (MSBI) as of Apr 03 2026?

As of Apr 03 2026, Midland States Bancorp Inc (MSBI) has a Forward P/E ratio of 8.22. This means the market is willing to pay $8.22 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 Apr 03 2026?

As of Apr 03 2026, Midland States Bancorp Inc (MSBI) has a Forward P/S ratio of 1.52. This means the market is valuing MSBI at $1.52 for every dollar of expected revenue over the next 12 months.

MSBI Valuation