Midland States Financials

MSBI Stock  USD 19.26  0.55  2.78%   
Based on the key indicators related to Midland States' liquidity, profitability, solvency, and operating efficiency, Midland States Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March. As of now, Midland States' Net Debt is increasing as compared to previous years. The Midland States' current Retained Earnings is estimated to increase to about 389.3 M, while Total Assets are projected to decrease to under 4.8 B. Key indicators impacting Midland States' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00910.011
Significantly Down
Pretty Stable
Return On Equity0.110.0953
Fairly Up
Very volatile
Debt Equity Ratio1.050.88
Fairly Up
Pretty Stable
Operating Income64 M123.7 M
Way Down
Slightly volatile
Current Ratio0.210.22
Sufficiently Down
Pretty Stable
The financial analysis of Midland States is a critical element in measuring its lifeblood. Investors should not minimize Midland States' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(12.76 Million)

  

Midland States Stock Summary

Midland States competes with MidWestOne Financial, Equity Bancshares,, First Mid, ConnectOne Bancorp, and Civista Bancshares. 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. The company was founded in 1881 and is headquartered in Effingham, Illinois. Midland Sts operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 864 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS5977421057
CUSIP597742105
LocationIllinois; U.S.A
Business Address1201 Network Centre
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.midlandsb.com
Phone217 342 7321
CurrencyUSD - US Dollar

Midland States Key Financial Ratios

Midland States Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets6.9B7.4B7.9B7.9B9.0B4.8B
Other Current Liab5.1B(170.7M)(222.5M)3.0B3.4B3.6B
Net Debt623.7M(213.5M)416.7M470.2M540.7M567.8M
Retained Earnings156.3M212.5M282.4M322.4M370.7M389.3M
Accounts Payable5.1B93.9M80.2M110.5M127.0M120.7M
Cash337.1M673.3M143.0M134.2M154.3M236.4M
Other Assets4.4B4.2B6.7B(464.2M)(533.9M)(507.2M)
Net Receivables433.6M442.8M20.3M498.3M573.0M601.7M
Other Current Assets389.6M714.2M177.4M169.1M152.2M144.6M
Total Liab960.8M459.8M7.1B7.1B8.1B8.5B
Total Current Assets1.4B2.0B931.6M633.3M728.3M802.8M
Short Term Debt69.0M76.8M142.3M184.9M212.6M118.7M
Intangible Assets67.7M53.2M22.1M36.4M41.8M53.8M
Common Stock223K221K222K216K194.4K176.9K
Other Liab43.3M65.2M67.1M83.2M95.6M59.7M
Net Tangible Assets455.3M431.1M477.6M465.3M535.0M387.6M
Long Term Debt218.6M188.5M149.7M419.5M482.5M381.9M
Inventory(389.6M)(714.2M)(669.1M)(160.0M)(144.0M)(151.2M)
Long Term Debt Total224.9M218.6M188.5M149.7M172.2M172.4M
Capital Surpluse488.3M453.4M445.9M449.2M516.6M410.6M

Midland States Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense45.8M30.1M56.0M168.3M189.8M199.3M
Total Revenue272.7M285.1M322.3M66.6M77.7M73.9M
Gross Profit272.7M285.1M322.3M66.6M77.7M73.9M
Operating Income32.0M99.1M168.3M107.6M123.7M64.0M
Ebit35.5M102.4M132.1M107.6M123.7M68.0M
Ebitda51.5M115.5M144.2M107.6M123.7M76.1M
Income Before Tax32.0M99.1M129.8M107.6M(22.9M)(21.8M)
Net Income22.5M81.3M99.0M75.5M(13.4M)(12.8M)
Income Tax Expense9.5M17.8M30.8M32.1M(9.5M)(9.0M)
Tax Provision9.5M17.8M30.8M36.7M42.2M44.3M
Net Interest Income199.1M207.7M245.7M241.5M277.7M196.0M
Interest Income244.9M237.8M301.8M389.8M448.3M249.3M

Midland States Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(52.9M)338.7M(530.1M)(25.6M)(23.0M)(21.9M)
Free Cash Flow496.6M331.7M233.3M145.9M167.8M127.8M
Depreciation19.5M16.3M14.4M12.7M14.6M12.1M
Other Non Cash Items429.1M230.2M145.0M59.7M68.6M74.0M
Dividends Paid25.0M25.2M29.1M35.5M40.8M42.8M
Capital Expenditures2.6M2.7M3.5M8.7M10.0M5.2M
Net Income22.5M81.3M99.0M75.5M86.8M91.1M
End Period Cash Flow341.6M680.4M150.3M135.1M155.3M238.5M
Investments(1.3B)(505.0M)(1.1B)(341.8M)(307.6M)(323.0M)
Net Borrowings(116.8M)260.7M(500.8M)75.3M67.8M71.2M
Change To Netincome44.6M488.2M237.9M147.2M169.2M126.0M
Change Receivables(431K)1.4M(7.2M)4.1M4.7M4.9M

Midland Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Midland States's current stock value. Our valuation model uses many indicators to compare Midland States value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Midland States competition to find correlations between indicators driving Midland States's intrinsic value. More Info.
Midland States Bancorp is regarded third in return on equity category among its peers. It also is regarded third in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Midland States Bancorp is roughly  9.95 . As of now, Midland States' Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Midland States' earnings, one of the primary drivers of an investment's value.

Midland States Bancorp Systematic Risk

Midland States' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Midland States volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Midland States Bancorp correlated with the market. If Beta is less than 0 Midland States generally moves in the opposite direction as compared to the market. If Midland States Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Midland States Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Midland States is generally in the same direction as the market. If Beta > 1 Midland States moves generally in the same direction as, but more than the movement of the benchmark.

Midland States Thematic Clasifications

Midland States Bancorp is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Midland States Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Midland States' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Midland States growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.34

As of now, Midland States' Price Earnings To Growth Ratio is increasing as compared to previous years.

Midland States February 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Midland States help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Midland States Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Midland States Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Midland Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Midland States's daily price indicators and compare them against related drivers.

Complementary Tools for Midland Stock analysis

When running Midland States' price analysis, check to measure Midland States' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Midland States is operating at the current time. Most of Midland States' value examination focuses on studying past and present price action to predict the probability of Midland States' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Midland States' price. Additionally, you may evaluate how the addition of Midland States to your portfolios can decrease your overall portfolio volatility.
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