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Midland States Bancorp, Inc. (MSBI)

Financial Services | Banks - Regional | Effingham, United States | NasdaqGS
32.14 USD +0.29 (0.927%) ⇧ (Oct. 15, 2026, 12:28 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★★☆☆
Hot Take ↕ | Oct. 10, 2026, 8:50 a.m. EDT

The immediate outlook remains neutral as the stock consolidates near its 200-day moving average, balancing recent earnings beats against a persistent multi-year downtrend. While the company delivered a strong 65% earnings surge in the latest quarter and boasts a robust 18% revenue growth, the market has yet to fully re-rate the valuation, evidenced by the 38% cumulative decline over the last nine years. The trailing P/E of 21 is elevated relative to the depressed forward P/E of 9.5, creating a disconnect between current profitability and future expectations. The 4% dividend yield provides a necessary floor for income investors, though the payout ratio of 82% leaves little room for error if loan growth stalls. Options flow confirms a passive stance, with traders betting on a bounce to $35 but ignoring downside risks entirely. Until the price history shows a sustained reversal of the decade-long decline, the investment case remains a hold rather than a buy.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.012146
AutoETS0.012167
MSTL0.013935
AutoTheta0.014597

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 48%
H-stat 0.72
Ljung-Box p 0.000
Jarque-Bera p 0.931
Excess Kurtosis -0.04
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-13
Last Dividend Date 2026-08-13
Revenue per Share 13.295
Market Cap 666,869,056
Trailing P/E 20.87
Forward P/E 9.48
Beta 0.64
Profit Margins 15.03%
Website https://www.midlandsb.com

As of Oct. 10, 2026, 8:50 a.m. EDT: Speculator positioning is heavily skewed toward out-of-the-money calls, with significant open interest at the $35 strike acting as a psychological resistance ceiling. Conversely, put activity is virtually non-existent, indicating a lack of hedging demand or bearish bets despite the recent price weakness. Implied volatility is compressed, suggesting the market expects a continuation of the current range-bound, low-volatility environment rather than a sharp breakout or crash.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.99% 5.57% 5.73% 5.31%
Dividend History
Date Dividend Yield %
2026-08-14 0.330 0.988616
2026-05-15 0.320 1.205273
2026-02-13 0.320 1.393122
2025-11-14 0.320 1.978973
2025-08-15 0.320 1.844380
2025-05-16 0.310 1.733781
2025-02-14 0.310 1.603725
2024-11-18 0.310 1.179156
2024-08-16 0.310 1.431210
2024-05-16 0.310 1.321962
2024-02-15 0.310 1.229183
2023-11-16 0.300 1.287554
2023-08-10 0.300 1.300390
2023-05-11 0.300 1.602564
2023-02-16 0.300 1.151190
2022-11-10 0.290 1.032028
2022-08-18 0.290 1.033500
2022-05-12 0.290 1.144887
2022-02-10 0.290 0.978408
2021-11-19 0.280 1.120000
2021-08-12 0.280 1.101062
2021-05-13 0.280 0.992556
2021-02-11 0.280 1.349398
2020-11-19 0.268 1.509859
2020-08-13 0.268 1.804714
2020-05-14 0.268 1.995532
2020-02-13 0.268 0.991491
2019-11-15 0.243 0.866310
2019-08-15 0.243 0.955940
2019-05-10 0.243 0.914221
2019-02-14 0.243 0.987805
2018-11-16 0.220 0.844530
2018-08-16 0.220 0.635104
2018-05-17 0.220 0.681959
2018-02-15 0.220 0.727513
2017-11-16 0.200 0.644538
2017-08-16 0.200 0.670241
2017-05-10 0.200 0.566251
2017-02-15 0.200 0.574548
2016-11-16 0.180 0.629591
2016-08-10 0.180 0.801425
Additional Data
dividendYield 4.1
exDividendDate 2026-08-14
trailingAnnualDividendRate 1.28
trailingAnnualDividendYield 0.040201005
lastDividendValue 0.33
lastDividendDate 2026-08-14
dividendDate 2026-08-21

Info Dump

Attribute Value
52 Week Change 1.0397182
Address1 1,201 Network Centre Drive
All Time High 37.581
All Time Low 12.48
Ask 41.34
Ask Size 2
Audit Risk 10
Average Analyst Rating 3.0 - Hold
Average Daily Volume10 Day 135,090
Average Daily Volume3 Month 172,395
Average Volume 172,395
Average Volume10Days 135,090
Beta 0.642
Bid 22.97
Bid Size 2
Board Risk 7
Book Value 22.153
City Effingham
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 32.135
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 32.45
Day Low 31.36
Display Name Midland States Bancorp
Dividend Date 1,787,270,400
Dividend Yield 4.1
Earnings Call Timestamp End 1,761,249,600
Earnings Call Timestamp Start 1,761,249,600
Earnings Growth 0.86
Earnings Quarterly Growth 0.654
Earnings Timestamp 1,792,699,200
Earnings Timestamp End 1,792,699,200
Earnings Timestamp Start 1,792,699,200
Ebitda Margins 0.0
Enterprise To Revenue 2.881
Enterprise Value 824,428,224
Eps Current Year 3.366
Eps Forward 3.39
Eps Trailing Twelve Months 1.54
Esg Populated 0
Ex Dividend Date 1,786,665,600
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 33.0257
Fifty Day Average Change -0.8907013
Fifty Day Average Change Percent -0.026969945
Fifty Two Week Change Percent 103.97182
Fifty Two Week High 35.1
Fifty Two Week High Change -2.9650002
Fifty Two Week High Change Percent -0.08447294
Fifty Two Week Low 14.24
Fifty Two Week Low Change 17.894999
Fifty Two Week Low Change Percent 1.2566713
Fifty Two Week Range 14.24 - 35.1
Financial Currency USD
First Trade Date Milliseconds 1,464,096,600,000
Five Year Avg Dividend Yield 5.07
Float Shares 19,497,854
Forward Eps 3.39
Forward P E 9.47935
Full Exchange Name NasdaqGS
Full Time Employees 839
Fullday Change 0.29499817
Fullday Change Percent 0.9265018
Fullday Price 32.135
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 286,145,984
Has Pre Post Market Data 1
Held Percent Insiders 0.08168
Held Percent Institutions 0.7246
Implied Shares Outstanding 20,752,112
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,665,600
Last Dividend Value 0.33
Last Fiscal Year End 1,767,139,200
Long Business Summary Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as 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. The company was founded in 1881 and is headquartered in Effingham, Illinois.
Long Name Midland States Bancorp, Inc.
Market us_market
Market Cap 666,869,056
Market State REGULAR
Max Age 86,400
Message Board Id finmb_764589
Most Recent Quarter 1,782,777,600
Net Income To Common 32,988,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 672,368,428
Number Of Analyst Opinions 4
Open 32.06
Operating Cashflow 119,364,000
Operating Margins 0.35574
Overall Risk 8
Payout Ratio 0.8205
Peg Ratio 1.41
Phone 217 342 7321
Previous Close 31.84
Price Eps Current Year 9.54694
Price Hint 2
Price To Book 1.4505936
Price To Sales Trailing12 Months 2.3305204
Profit Margins 0.15034
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 3.0
Region US
Regular Market Change 0.29499817
Regular Market Change Percent 0.9265018
Regular Market Day High 32.45
Regular Market Day Low 31.36
Regular Market Day Range 31.36 - 32.45
Regular Market Open 32.06
Regular Market Previous Close 31.84
Regular Market Price 32.135
Regular Market Time 1,792,081,689
Regular Market Volume 53,589
Return On Assets 0.0062300004
Return On Equity 0.07525
Revenue Growth 0.18
Revenue Per Share 13.295
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 20,752,112
Shares Percent Shares Out 0.0454
Shares Short 943,052
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 982,569
Short Name Midland States Bancorp, Inc.
Short Percent Of Float 0.0493
Short Ratio 5.43
Source Interval 15
State IL
Symbol MSBI
Target High Price 35.0
Target Low Price 31.0
Target Mean Price 33.25
Target Median Price 33.5
Total Cash 302,291,008
Total Cash Per Share 14.567
Total Debt 355,424,000
Total Revenue 286,145,984
Tradeable 0
Trailing Annual Dividend Rate 1.28
Trailing Annual Dividend Yield 0.040201005
Trailing Eps 1.54
Trailing P E 20.866882
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 27.539076
Two Hundred Day Average Change 4.5959225
Two Hundred Day Average Change Percent 0.16688731
Type Disp Equity
Volume 53,589
Website https://www.midlandsb.com
Zip 62,401