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Midland States Bancorp, Inc. (MSBIP)

Financial Services | Banks - Regional | Effingham, United States | NasdaqGS
25.50 USD -0.07 (-0.278%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 25.46 -0.09 (-0.090%) ⇩ (Aug. 28, 2026, 4:10 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★★☆☆
Hot Take | Aug. 22, 2026, 5:02 a.m. EDT

The stock presents a classic value trap scenario where a massive 7.65% yield masks a deteriorating business trajectory. While the company recently delivered a strong earnings beat with a 24.5% EPS surprise, the market has priced in significant distress, evidenced by a 6.54% cumulative decline over the last three years and a trailing run of negative annual returns. The price has been flatlining near its 52-week lows, failing to capitalize on the recent operational improvements, which suggests deep-seated concerns about the bank's core franchise rather than a temporary dislocation. The dividend, while generous in absolute terms, is likely being funded by balance sheet compression given the low return on equity and the persistent price weakness, making it a risky income play rather than a reliable fortress. For investors seeking capital appreciation, the lack of upward momentum and the structural decline in share price outweigh the attractive yield.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.009300
AutoETS0.009970
AutoARIMA0.010160
MSTL0.010706

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 71%
H-stat 3.09
Ljung-Box p 0.000
Jarque-Bera p 0.708
Excess Kurtosis -0.45
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-14
Last Dividend Date 2026-06-14
Revenue per Share 13.295
Beta 0.64
Profit Margins 15.03%
Website https://www.midlandsb.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.91% 7.83% 7.95%
Dividend History
Date Dividend Yield %
2026-06-15 0.484 1.905512
2026-03-16 0.484 1.936775
2025-12-15 0.484 1.963489
2025-09-15 0.484 2.025020
2025-06-16 0.484 2.072805
2025-03-17 0.484 2.030201
2024-12-16 0.484 1.927519
2024-09-16 0.484 1.941436
2024-06-17 0.484 1.984420
2024-03-14 0.484 1.921397
2023-12-14 0.484 2.000000
2023-09-14 0.484 2.131220
2023-06-14 0.484 2.144440
2023-03-14 0.484 2.037895
2022-12-14 0.689 2.650000
Additional Data
dividendRate 1.94
dividendYield 7.6
exDividendDate 2026-09-15
trailingAnnualDividendRate 1.28
trailingAnnualDividendYield 0.050056707
lastDividendValue 0.484
lastDividendDate 2026-06-15
dividendDate 2026-09-30

Info Dump

Attribute Value
52 Week Change 0.09442055
Address1 1,201 Network Centre Drive
All Time High 27.1
All Time Low 18.25
Ask 25.25
Ask Size 2
Average Daily Volume10 Day 10,170
Average Daily Volume3 Month 4,419
Average Volume 4,419
Average Volume10Days 10,170
Beta 0.643
Bid 24.98
Bid Size 1
Book Value 22.153
City Effingham
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 25.5
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 25.667
Day Low 25.45
Display Name Midland States Bancorp
Dividend Date 1,790,726,400
Dividend Rate 1.94
Dividend Yield 7.6
Earnings Growth 0.86
Earnings Quarterly Growth 0.654
Earnings Timestamp End 1,752,177,600
Earnings Timestamp Start 1,750,881,600
Ebitda Margins 0.0
Enterprise To Revenue 2.421
Enterprise Value 692,859,840
Esg Populated 0
Ex Dividend Date 1,789,430,400
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 25.2219
Fifty Day Average Change 0.27809906
Fifty Day Average Change Percent 0.011026095
Fifty Two Week Change Percent 9.442055
Fifty Two Week High 26.06
Fifty Two Week High Change -0.55999947
Fifty Two Week High Change Percent -0.021488851
Fifty Two Week Low 22.92
Fifty Two Week Low Change 2.58
Fifty Two Week Low Change Percent 0.11256544
Fifty Two Week Range 22.92 - 26.06
Financial Currency USD
First Trade Date Milliseconds 1,661,779,800,000
Float Shares 19,498,269
Full Exchange Name NasdaqGS
Full Time Employees 839
Fullday Change -0.0709991
Fullday Change Percent -0.277655
Fullday Price 25.46
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 286,145,984
Has Pre Post Market Data 1
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,781,481,600
Last Dividend Value 0.484
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 State CLOSED
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
Open 25.667
Operating Cashflow 119,364,000
Operating Margins 0.35574
Phone 217 342 7321
Post Market Change -0.09000015
Post Market Change Percent -0.35225108
Post Market Price 25.46
Post Market Time 1,787,947,804
Previous Close 25.571
Price Hint 2
Price To Book 1.1510856
Profit Margins 0.15034
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.070999146
Regular Market Change Percent -0.27765495
Regular Market Day High 25.667
Regular Market Day Low 25.45
Regular Market Day Range 25.45 - 25.667
Regular Market Open 25.667
Regular Market Previous Close 25.571
Regular Market Price 25.5
Regular Market Time 1,787,947,200
Regular Market Volume 4,174
Return On Assets 0.0062300004
Return On Equity 0.07525
Revenue Growth 0.18
Revenue Per Share 13.295
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Short 5,725
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 5,990
Short Name Midland States Bancorp, Inc. -
Short Ratio 1.34
Source Interval 15
State IL
Symbol MSBIP
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 0.050056707
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 25.11273
Two Hundred Day Average Change 0.38726997
Two Hundred Day Average Change Percent 0.015421261
Type Disp Equity
Volume 4,174
Website https://www.midlandsb.com
Zip 62,401