MSBI Valuation

Midland States Bancorp Inc

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17.560

+0.34(1.974%)1D

Overview
Forecast
Valuation
Earnings

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 Undervalued zone, suggesting that its current forward PE ratio of 6.94 is considered Undervalued compared with the five-year average of 7.86. The fair price of Midland States Bancorp Inc (MSBI) is between 18.61 to 24.33 according to relative valuation methord. Compared to the current price of 17.56 USD , Midland States Bancorp Inc is Undervalued By 5.66%.

Relative Value

Fair Zone

18.61-24.33

Current Price：17.56

5.66%

Undervalued

6.94

Trailing

Forward

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.

1.20

Midland States Bancorp Inc. (MSBI) has a current PS of 1.20. The 5-year average PS is 1.72. The thresholds are as follows: Strongly Undervalued below 1.13, Undervalued between 1.13 and 1.43, Fairly Valued between 2.02 and 1.43, Overvalued between 2.02 and 2.31, and Strongly Overvalued above 2.31. The current Forward PS of 1.20 falls within the Undervalued 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 0.82. Compared to its 3-year average P/B ratio of 0.76 , the current P/B ratio is approximately 7.93% higher. Relative to its 5-year average P/B ratio of 0.78, the current P/B ratio is about 3.95% higher. Midland States Bancorp Inc (MSBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 27.20%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 52.84% , the current FCF yield is about -100.00% lower.

0.82

P/B

Median3y

0.76

Median5y

0.78

0.00

FCF Yield

Median3y

27.20

Median5y

52.84

Competitors Valuation Multiple

The average P/S ratio for MSBI's competitors is 2.20, providing a benchmark for relative valuation. Midland States Bancorp Inc Corp (MSBI) exhibits a P/S ratio of 1.20, which is -45.30% above the industry average. Given its robust revenue growth of 6.82%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

MSBI.O

Midland States Bancorp Inc

Community West Bancshares

Bank of Marin Bancorp

Civista Bancshares Inc

Southern First Bancshares Inc

2.59

25.70%

333.77M

Performance Decomposition

Market capitalization of MSBI decreased by 20.73% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 9.79 to 16.33.

The secondary factor is the Revenue Growth, contributed 6.82%to the performance.

Overall, the performance of MSBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

6.82%

68.94M → 73.64M

Revenue Growth

66.80%

9.79 → 16.33

Margin Expansion

-94.35%

194.13 → 10.97

P/E Change

-20.73%