Midland States Bancorp, Inc.
MSBIFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Midland States Bancorp, Inc. focuses on Banks - Regional services and products. 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. The company carries a $576.3M market cap, placing it firmly in the small-cap category. It operates in Banking and Wealth Management segments.
Market Cap
$576.3M
Beta
0.65
P/E (TTM)
23.17
P/E (Fwd)
8.88
EPS (TTM)
$1.20
EPS (Fwd)
$3.13
ROE
6.2%
ROA
0.5%
Cash
$117.3M
Total Debt
$482.6M
Free CF
—
52W Change
68.1%
Annual Financials
Cash vs Debt
Midland States Bancorp, Inc. carries $482.6M in total debt against $117.3M in cash reserves — debt is roughly 4.1x the cash position. Managing this leverage effectively will be important for long-term financial stability. 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.
The relatively low beta of 0.65 suggests MSBI is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing MSBI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.