MSBI Midland States Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: MSBI

Price (delayed)

$22.36

Market cap

$480.83M

P/E Ratio

7.53

Dividend/share

$1.21

EPS

$2.97

Enterprise value

$1B

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
Midland States Bancorp's debt has decreased by 6% QoQ
Midland States Bancorp's equity has increased by 4.4% YoY and by 3.6% QoQ
The stock's price to earnings (P/E) is 21% more than its last 4 quarters average of 6.2 but 21% less than its 5-year quarterly average of 9.5
MSBI's EPS is down by 30% year-on-year and by 21% since the previous quarter
MSBI's net income is down by 24% YoY and by 20% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.midlandsb.com
Peers: NRIM NKSH

Key stats

What are the main financial stats of MSBI
Market
Shares outstanding
21.5M
Market cap
$480.83M
Enterprise value
$1B
Valuations
Price to earnings (P/E)
7.53
Price to book (P/B)
0.61
Price to sales (P/S)
1.76
EV/EBIT
9.3
EV/EBITDA
8.43
EV/Sales
3.56
Earnings
Revenue
$281.48M
EBIT
$107.57M
EBITDA
$118.74M
Free cash flow
$146.01M
Per share
EPS
$2.97
Free cash flow per share
$6.6
Book value per share
$36.76
Revenue per share
$12.73
TBVPS
$347.66
Balance sheet
Total assets
$7.87B
Total liabilities
$7.08B
Debt
$655.03M
Equity
$791.85M
Working capital
N/A
Liquidity
Debt to equity
0.83
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.38
Margins
EBITDA margin
42.2%
Gross margin
100%
Net margin
26.8%
Operating margin
38.2%
Efficiency
Return on assets
0.8%
Return on equity
8.6%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
38.2%
Dividend
Dividend yield
5.41%
DPS
$1.21
Payout ratio
40.7%

MSBI stock price

How has the Midland States Bancorp stock price performed over time
Intraday
-6.99%
1 week
-5.89%
1 month
-6.72%
1 year
16.04%
YTD
-18.87%
QTD
-11.02%

Financial performance

How have Midland States Bancorp's revenue and profit performed over time
Revenue
$281.48M
Gross profit
$281.48M
Operating income
$107.57M
Net income
$75.46M
Gross margin
100%
Net margin
26.8%
MSBI's net income is down by 24% YoY and by 20% QoQ
The company's operating income fell by 18% QoQ and by 17% YoY
Midland States Bancorp's net margin has decreased by 17% YoY and by 12% QoQ
Midland States Bancorp's operating margin has decreased by 10% YoY and by 9% QoQ

Growth

What is Midland States Bancorp's growth rate over time

Valuation

What is Midland States Bancorp stock price valuation
MSBI P/E details
P/E
7.53
P/B
0.61
P/S
1.76
EV/EBIT
9.3
EV/EBITDA
8.43
EV/Sales
3.56
MSBI's EPS is down by 30% year-on-year and by 21% since the previous quarter
The stock's price to earnings (P/E) is 21% more than its last 4 quarters average of 6.2 but 21% less than its 5-year quarterly average of 9.5
The stock's price to book (P/B) is 24% less than its 5-year quarterly average of 0.8
Midland States Bancorp's equity has increased by 4.4% YoY and by 3.6% QoQ
The price to sales (P/S) is 12% lower than the 5-year quarterly average of 2.0 but 10% higher than the last 4 quarters average of 1.6
MSBI's revenue is down by 9% QoQ and by 8% YoY

Efficiency

How efficient is Midland States Bancorp business performance
MSBI's return on assets is down by 38% year-on-year and by 27% since the previous quarter
Midland States Bancorp's ROE has decreased by 38% YoY and by 22% from the previous quarter
MSBI's return on invested capital is down by 24% year-on-year and by 19% since the previous quarter
MSBI's return on sales is down by 10% year-on-year and by 9% since the previous quarter

Dividends

What is MSBI's dividend history
Dividend details
DPS
$1.21
Dividend yield
5.41%
Payout ratio
40.7%
Recent dividends

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 debt is 17% lower than its equity
MSBI's debt to equity is down by 10% since the previous quarter and by 3.5% year-on-year
Midland States Bancorp's debt has decreased by 6% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.