Midland States Bancorp stock
MSBINASDAQMidland States Bancorp, Inc., Financial ServicesISIN US5977421057
58Score 58 out of 100, Neutral
Price and trend
63 / 100
Price history
+97% in one yearThe chart shows daily closes over 10 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 11% above it.
Since December 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 41).
The price is 8.1% below its 52-week high. Largest decline in 10 years: 66% (December 2016 to September 2020).
Chart figures for advanced users
- SMA 50$32.88
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$28.65
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)41
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$15.18
- The lowest closing price of the last twelve months.
- Resistance$34.53
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Midland States Bancorp, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $659.85M, is number 343 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $316.53M (down 11.2% year on year) and a loss of $124.28M.
- For fiscal 2026, analysts expect on average revenue of $334.7M (up 5.7%) and adjusted earnings per share of $3.42.
Show more
- MEQIRI Score 58 out of 100 (Neutral): rank 761 of 975 in Financial Services, median 68.
- Our model puts fair value at $13.50, with the price 135% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 10 years.
- Share buybacksShare count down 6% since 2020.
Weaknesses
- Margin fallingOperating margin −32.6%, average of the prior years 25.9% (to 2024).Profitability 51
- Above fair valuePrice 135% above the fair value of $13.50.Valuation 7
- Turned to a lossEarnings per share from $0.95 in 2020 to −$6.14.Growth 64
Its standout strengths are momentum and fundamentals, while capital allocation and valuation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 59 to 58.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price up very strongly over the past year
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $10.38 and expensive above $19.28 (uncertainty medium, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $11.25, at 7.8% it would be $16.87.
Valuation metrics
From the excess return model alone; the profit includes one-off items, so there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 12.2% on the twelve months before. Revenue has grown strongly since 2008, at around 16% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating −33%, net −39%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 18%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 76 days
- Last reported
- 22 Oct 2026EPS reported $0.95 (expected $0.89)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $3.42+2.3%
- Revenue
- $334.7M+1.0%
- Earnings per share
- $3.49+2.3%
- Revenue
- $339.77M+1.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 2 insiders sold, $421,375 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Mooney Kyle OwenSale
8 Sept 2026, SVP - Chief Operating Officer
- Shares
- 2,400
- Price
- $33.33
- Value
- $79,992
- Mooney Kyle OwenSale
18 Aug 2026, SVP - Chief Operating Officer
- Shares
- 489
- Price
- $33.16
- Value
- $16,215
- Mooney Kyle OwenSale
11 Aug 2026, SVP - Chief Operating Officer
- Shares
- 1,198
- Price
- $33.51
- Value
- $40,145
Show 1 more
- Ludwig Jeffrey G.Sale
28 Jul 2026, President & CEO
- Shares
- 8,383
- Price
- $34.00
- Value
- $285,023
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Midland States Bancorp
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 58
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- West Coast Community BancorpWCCB $666.84M81
- Basler KantonalbankBSKP.SW $665.98M64
- Third Coast BancsharesTCBX $662.9M70
- Coastal FinancialCCB $661.2M58
- Hingham Institution for SavingsHIFS $655.43M65
- Carter BanksharesCARE $639.33M68
- Oma SäästöpankkiOMASP.HE $634.68M57
- Bank7BSVN $629.52M82
ETFs that hold Midland States Bancorp
Held by 6 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.04% | 0.39% | €1.49B |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.04% | 0.35% | €204.34M |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.04% | 0.29% | €182.46M |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 1 May 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.