Midland States Bancorp, Inc.
MSBIFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeMidland 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. Valued at $645.1M, MSBI is a small-cap name in its sector. It operates in Banking and Wealth Management segments.
Market Cap
$645.1M
Beta
0.64
P/E (TTM)
26.37
P/E (Fwd)
9.90
EPS (TTM)
$1.18
EPS (Fwd)
$3.14
ROE
6.2%
ROA
0.5%
Cash
$117.3M
Total Debt
$482.6M
Free CF
—
52W Change
68.4%
Annual Financials
Cash vs Debt
The company holds $117.3M in cash, though total debt stands at $482.6M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 6.2% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.5% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $380.5M (2022) to $290.4M (2025), a 24% decline worth watching.
MSBI's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Midland States Bancorp, Inc.'s trajectory.