Midland States Bancorp Inc (MSBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Midland States Bancorp Inc stock (MSBI) is currently trading at $21.84. Midland States Bancorp Inc PS ratio (Price-to-Sales) is 1.76. Analyst consensus price target for MSBI is $23.88. WallStSmart rates MSBI as Hold.
- MSBI PE ratio analysis and historical PE chart
- MSBI PS ratio (Price-to-Sales) history and trend
- MSBI intrinsic value — DCF, Graham Number, EPV models
- MSBI stock price prediction 2025 2026 2027 2028 2029 2030
- MSBI fair value vs current price
- MSBI insider transactions and insider buying
- Is MSBI undervalued or overvalued?
- Midland States Bancorp Inc financial analysis — revenue, earnings, cash flow
- MSBI Piotroski F-Score and Altman Z-Score
- MSBI analyst price target and Smart Rating
Midland States Bancorp Inc
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Smart Analysis
Midland States Bancorp Inc (MSBI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Midland States Bancorp Inc (MSBI) Key Strengths (6)
Keeps $34 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 278.70% year-over-year
Good growth relative to its price
Paying $1.76 for every $1 of annual revenue
67.73% held by institutions, strong professional interest
Supporting Valuation Data
Midland States Bancorp Inc (MSBI) Areas to Watch (4)
Company is destroying shareholder value
Earnings declining -71.20%, profits shrinking
Company is losing money with a negative profit margin
Small-cap company with higher risk but more growth potential
Midland States Bancorp Inc (MSBI) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 1.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including PEG Ratio (1.41), Price/Sales (1.76), Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.20%. Growth metrics are encouraging with Revenue Growth at 278.70%.
The Bear Case
The primary concerns are Return on Equity, EPS Growth, Profit Margin. Growth concerns include EPS Growth at -71.20%, which may limit upside. Profitability pressure is visible in Return on Equity at -19.50%, Profit Margin at -46.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -19.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 278.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MSBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MSBI's Price-to-Sales ratio of 1.76x trades 29% below its historical average of 2.49x (44th percentile). The current valuation is 79% below its historical high of 8.55x set in Jan 2024, and 209% above its historical low of 0.57x in Oct 2025. Over the past 12 months, the PS ratio has expanded from ~0.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Midland States Bancorp Inc (MSBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Midland States Bancorp Inc is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 265M with 279% growth year-over-year. The company is currently unprofitable, posting a -46.9% profit margin.
Key Findings
Revenue growing at 279% YoY, reaching 265M. This pace significantly outperforms most BANKS - REGIONAL peers.
The company is unprofitable with a -46.9% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -9M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Midland States Bancorp Inc maintain 279%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 6.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Midland States Bancorp Inc.
Bottom Line
Midland States Bancorp Inc is a high-conviction growth story with revenue accelerating at 279% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -46.9% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Midland States Bancorp Inc(MSBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.