Historical Valuation
Midland States Bancorp Inc (MSBI) is now in the Fair zone, suggesting that its current forward PE ratio of 7.73 is considered Fairly compared with the five-year average of 7.81. The fair price of Midland States Bancorp Inc (MSBI) is between 21.00 to 27.44 according to relative valuation methord.
Relative Value
Fair Zone
21.00-27.44
Current Price：21.78
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Midland States Bancorp Inc (MSBI) has a current Price-to-Book (P/B) ratio of 0.97. Compared to its 3-year average P/B ratio of 0.74 , the current P/B ratio is approximately 30.05% higher. Relative to its 5-year average P/B ratio of 0.81, the current P/B ratio is about 19.71% higher. Midland States Bancorp Inc (MSBI) has a Forward Free Cash Flow (FCF) yield of approximately 39.58%. Compared to its 3-year average FCF yield of 27.73%, the current FCF yield is approximately 42.76% lower. Relative to its 5-year average FCF yield of 43.02% , the current FCF yield is about -7.99% lower.
P/B
Median3y
0.74
Median5y
0.81
FCF Yield
Median3y
27.73
Median5y
43.02
Competitors Valuation Multiple
AI Analysis for MSBI
The average P/S ratio for MSBI competitors is 2.27, providing a benchmark for relative valuation. Midland States Bancorp Inc Corp (MSBI.O) exhibits a P/S ratio of 1.51, which is -33.81% above the industry average. Given its robust revenue growth of 4.26%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for MSBI
1Y
3Y
5Y
Market capitalization of MSBI increased by 0.00% over the past 1 year. 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 is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is MSBI currently overvalued or undervalued?
Midland States Bancorp Inc (MSBI) is now in the Fair zone, suggesting that its current forward PE ratio of 7.73 is considered Fairly compared with the five-year average of 7.81. The fair price of Midland States Bancorp Inc (MSBI) is between 21.00 to 27.44 according to relative valuation methord.
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 21.00 to 27.44 according to relative valuation methord.
How does MSBI's valuation metrics compare to the industry average?
The average P/S ratio for MSBI's competitors is 2.27, providing a benchmark for relative valuation. Midland States Bancorp Inc Corp (MSBI) exhibits a P/S ratio of 1.51, which is -33.81% above the industry average. Given its robust revenue growth of 4.26%, this premium appears unsustainable.
What is the current P/B ratio for Midland States Bancorp Inc (MSBI) as of Jan 10 2026?
As of Jan 10 2026, Midland States Bancorp Inc (MSBI) has a P/B ratio of 0.97. This indicates that the market values MSBI at 0.97 times its book value.
What is the current FCF Yield for Midland States Bancorp Inc (MSBI) as of Jan 10 2026?
As of Jan 10 2026, Midland States Bancorp Inc (MSBI) has a FCF Yield of 39.58%. This means that for every dollar of Midland States Bancorp Inc’s market capitalization, the company generates 39.58 cents in free cash flow.
What is the current Forward P/E ratio for Midland States Bancorp Inc (MSBI) as of Jan 10 2026?
As of Jan 10 2026, Midland States Bancorp Inc (MSBI) has a Forward P/E ratio of 7.73. This means the market is willing to pay $7.73 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 Jan 10 2026?
As of Jan 10 2026, Midland States Bancorp Inc (MSBI) has a Forward P/S ratio of 1.51. This means the market is valuing MSBI at $1.51 for every dollar of expected revenue over the next 12 months.