Stocktoria
Midland States Bancorp, Inc. MSBI
Midland States Bancorp, Inc. (MSBI) earns a Piotroski F-score of 2/9 (weak financial health). It pays a dividend yielding 4.28% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| MSBI | Midland States Bancorp, Inc. | 2/9 | — | — | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About Midland States Bancorp, Inc.
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. It operates in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
FAQ
Is MSBI financially healthy?
Midland States Bancorp, Inc.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does MSBI pay a dividend, and is it safe?
Yes. Midland States Bancorp, Inc. pays a dividend yielding about 4.28% with a -22.3% payout ratio, rated “safe” for safety.
How profitable is MSBI?
In FY2025, Midland States Bancorp, Inc. had a return on equity of -22.0%.
Is MSBI overvalued or undervalued?
Midland States Bancorp, Inc. trades at about 25.4× trailing earnings — above its 10-year norm (10-year range 6.0×–36.9×, median 14.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for MSBI?
The average Wall-Street price target for Midland States Bancorp, Inc. is $28.25, about 15.7% below the recent price, from 4 analysts (consensus: hold).
Is MSBI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Midland States Bancorp, Inc.: a Piotroski F-score of 2/9, a dividend yield of 4.28%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.