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Price (delayed)
$25.17
Market cap
$538.47M
P/E Ratio
12.71
Dividend/share
$1.23
EPS
$1.98
Enterprise value
$1.16B
Midland States Bancorp, Inc. is a community-based financial holding company headquartered in Effingham, Illinois, and is the sole shareholder of Midland States Bank. As of December 31, 2020, the Company
Highlights
MSBI's EPS has dropped by 51% year-on-year and by 25% since the previous quarter
MSBI's net income is down by 47% YoY and by 22% QoQ
Key stats
What are the main financial stats of MSBI
Market
Valuations
Earnings
Shares outstanding
21.39M
Market cap
$538.47M
Enterprise value
$1.16B
Price to earnings (P/E)
12.71
Price to book (P/B)
0.69
Price to sales (P/S)
2.14
EV/EBIT
15.16
EV/EBITDA
13.29
EV/Sales
4.55
Revenue
$255.63M
EBIT
$76.76M
EBITDA
$87.55M
Free cash flow
$132.8M
Per share
Balance sheet
Liquidity
EPS
$1.98
Free cash flow per share
$6.11
Book value per share
$36.58
Revenue per share
$11.76
TBVPS
$348.87
Total assets
$7.76B
Total liabilities
$6.97B
Debt
$749.79M
Equity
$785.77M
Working capital
N/A
Debt to equity
0.95
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.14
Margins
Efficiency
Dividend
EBITDA margin
34.2%
Gross margin
100%
Net margin
20.6%
Operating margin
30%
Return on assets
0.6%
Return on equity
5.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
30%
Dividend yield
4.89%
DPS
$1.23
Payout ratio
62.1%
MSBI stock price
How has the Midland States Bancorp stock price performed over time
Intraday
2.11%
1 week
8.49%
1 month
12.47%
1 year
19.52%
YTD
-8.67%
QTD
12.47%
Financial performance
How have Midland States Bancorp's revenue and profit performed over time
Revenue
$255.63M
Gross profit
$255.63M
Operating income
$76.76M
Net income
$52.75M
Gross margin
100%
Net margin
20.6%
MSBI's net income is down by 47% YoY and by 22% QoQ
The company's operating income fell by 41% YoY and by 21% QoQ
Midland States Bancorp's net margin has decreased by 36% YoY and by 17% QoQ
Midland States Bancorp's operating margin has decreased by 29% YoY and by 16% QoQ
Growth
What is Midland States Bancorp's growth rate over time
Valuation
What is Midland States Bancorp stock price valuation
P/E
12.71
P/B
0.69
P/S
2.14
EV/EBIT
15.16
EV/EBITDA
13.29
EV/Sales
4.55
MSBI's EPS has dropped by 51% year-on-year and by 25% since the previous quarter
The stock's price to earnings (P/E) is 40% more than its last 4 quarters average of 8.9 and 32% more than its 5-year quarterly average of 9.4
The stock's price to book (P/B) is 4.3% less than its 5-year quarterly average of 0.7 and 4.3% less than its last 4 quarters average of 0.7
MSBI's revenue is down by 18% YoY and by 6% QoQ
The price to sales (P/S) is 10% higher than the last 4 quarters average of 1.9 and 4.5% higher than the 5-year quarterly average of 2.0
Efficiency
How efficient is Midland States Bancorp business performance
Midland States Bancorp's ROE has plunged by 54% YoY and by 25% from the previous quarter
MSBI's return on assets has dropped by 50% year-on-year and by 14% since the previous quarter
MSBI's return on invested capital is down by 44% year-on-year and by 25% since the previous quarter
MSBI's return on sales is down by 29% year-on-year and by 16% since the previous quarter
Dividends
What is MSBI's dividend history
DPS
$1.23
Dividend yield
4.89%
Payout ratio
62.1%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Midland States Bancorp financials performed over time
The company's total assets is 11% higher than its total liabilities
Midland States Bancorp's total liabilities has decreased by 3.9% YoY
The company's total assets fell by 3.5% YoY
Midland States Bancorp's debt is 4.6% lower than its equity
Midland States Bancorp's debt has increased by 22% QoQ
MSBI's debt to equity is up by 22% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.