MSBIP
NASDAQ
US
Midland States Bancorp, Inc. - Depositary Shares Each Representing a 1/40th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A
$24.76
▲ +$0.06
(+0.24%)
Vol 7K
6
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$456.2M
ROE
-20.1%
Margin
28.7%
D/E
38.61
Beta
0.69
Div Yield
7.75%
52W
$14–$26
Wall Street Consensus
10 analysts · Apr 20260
Strong Buy
0
Buy
7
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 0.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.70 | $0.53 | $-0.17 |
| Sep 2025 | $0.66 | $0.24 | $-0.42 |
| Jun 2025 | $0.64 | $0.44 | $-0.20 |
| Mar 2025 | $0.56 | $0.49 | $-0.07 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $136.6M | $74.0M | $78.9M | $78.1M | $59.4M |
| Net Income | — | -$1.1M | -$141.0M | $12.0M | $7.6M | -$2.9M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | -16.7% | -16.2% | -16.7% | -16.7% | -20.1% | -20.1% |
| P/E (TTM) | — | — | — | — | — | — |
| Net Margin | — | 28.7% | 28.7% | 28.7% | 28.7% | 28.7% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 24.04 | 29.63 | 24.04 | 24.04 | 38.61 | 38.61 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
-1.7%
P/S (TTM)
1.53
P/B
0.7
EPS (TTM)
$-5.61
CF/Share
$4.26
Rev Growth 3Y
+6.5%
52W High
$25.76
52W Low
$14.24
$14.24
52-Week Range
$25.76
Financial Health
Free Cash Flow
-$7.8M
Net Debt
$252.9M
Cash
$127.3M
Total Debt
$380.2M
As of Dec 31, 2025
How does MSBIP compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
MSBIP valuation vs Banking peers
P/E ratio
—
▼
0%
below
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
1.5
▼
34%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.7
▼
30%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
7.8%
▲
159%
above
peers
(3.0%)
vs Peers
vs Industry
Strong yield
MSBIP profitability vs Banking peers
ROE
-20.1%
▼
323%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
28.7%
▲
0%
above
peers
(28.6%)
vs Peers
vs Industry
In line
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
-1.7%
▼
279%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
MSBIP financial health vs Banking peers
D/E ratio
38.6
▲
179%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.7
▲
1%
above
peers
(0.7)
vs Peers
vs Industry
Less volatile
MSBIP fundamentals radar
MSBIP
Peer median
Industry
MSBIP profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
MSBIP vs peers: key metrics
Top Holders
Top 5: 8.57%iShares Trust-iShares Prefe…
7.67%
$8.7M
Invesco Exch-Trd Fd. TRT II…
0.90%
$1.0M
As of Jan 31, 2026
Dividends
$1.94
/ year
Mar 16, 2026
$0.4840
Dec 15, 2025
$0.4840
Sep 15, 2025
$0.4840
Jun 16, 2025
$0.4840
Mar 17, 2025
$0.4840
Dec 16, 2024
$0.4840
Sep 16, 2024
$0.4840
Jun 17, 2024
$0.4840
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