Midland States Bancorp Net Income
| MSBI Stock | USD 23.22 0.33 1.40% |
As of the 11th of February 2026, Midland States secures the Downside Deviation of 1.74, risk adjusted performance of 0.2386, and Mean Deviation of 1.54. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Midland States Bancorp, as well as the relationship between them.
Midland States Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.0253 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 43.8 M | 36.7 M | |
| Net Income From Continuing Ops | 43.8 M | 53.2 M | |
| Net Income Applicable To Common Shares | 109 M | 114.4 M | |
| Net Loss | (5.69) | (5.40) | |
| Net Income Per E B T | 1.08 | 0.58 |
Midland | Net Income | Build AI portfolio with Midland Stock |
The Net Income trend for Midland States Bancorp offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Midland States is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Midland States' Net Income Growth Pattern
Below is the plot of the Net Income of Midland States Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Midland States Bancorp financial statement analysis. It represents the amount of money remaining after all of Midland States Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Midland States' Net Loss historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Midland States' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 38.04 M | 10 Years Trend |
|
Net Income |
| Timeline |
Midland Net Income Regression Statistics
| Arithmetic Mean | 17,038,415 | |
| Geometric Mean | 28,878,473 | |
| Coefficient Of Variation | 346.61 | |
| Mean Deviation | 37,096,502 | |
| Median | 22,537,000 | |
| Standard Deviation | 59,056,426 | |
| Sample Variance | 3487.7T | |
| Range | 224.5M | |
| R-Value | (0.18) | |
| Mean Square Error | 3594.1T | |
| R-Squared | 0.03 | |
| Significance | 0.48 | |
| Slope | (2,153,141) | |
| Total Sum of Squares | 55802.6T |
Midland Net Income History
Other Fundumenentals of Midland States Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Midland States Net Income component correlations
Midland Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Midland States is extremely important. It helps to project a fair market value of Midland Stock properly, considering its historical fundamentals such as Net Income. Since Midland States' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Midland States' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Midland States' interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Midland introduce new products? Factors like these will boost the valuation of Midland States. Expected growth trajectory for Midland significantly influences the price investors are willing to assign. Understanding fair value requires weighing current performance against future potential. All the valuation information about Midland States listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.71) | Dividend Share 1.25 | Earnings Share (6.12) | Revenue Per Share | Quarterly Revenue Growth 0.117 |
Midland States Bancorp's market price often diverges from its book value, the accounting figure shown on Midland's balance sheet. Smart investors calculate Midland States' intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Midland States' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Midland States' value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Midland States represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Midland States' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Midland States 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Midland States' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Midland States.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in Midland States on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding Midland States Bancorp or generate 0.0% return on investment in Midland States over 90 days. Midland States is related to or competes with Southern First, Bankwell Financial, US Century, Orange County, Farmers Merchants, West Bancorporation, and MVB Financial. Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banki... More
Midland States Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Midland States' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Midland States Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.74 | |||
| Information Ratio | 0.2486 | |||
| Maximum Drawdown | 11.67 | |||
| Value At Risk | (1.71) | |||
| Potential Upside | 5.98 |
Midland States Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Midland States' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Midland States' standard deviation. In reality, there are many statistical measures that can use Midland States historical prices to predict the future Midland States' volatility.| Risk Adjusted Performance | 0.2386 | |||
| Jensen Alpha | 0.5431 | |||
| Total Risk Alpha | 0.4075 | |||
| Sortino Ratio | 0.3198 | |||
| Treynor Ratio | 0.5542 |
Midland States February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.2386 | |||
| Market Risk Adjusted Performance | 0.5642 | |||
| Mean Deviation | 1.54 | |||
| Semi Deviation | 1.07 | |||
| Downside Deviation | 1.74 | |||
| Coefficient Of Variation | 344.81 | |||
| Standard Deviation | 2.24 | |||
| Variance | 5.0 | |||
| Information Ratio | 0.2486 | |||
| Jensen Alpha | 0.5431 | |||
| Total Risk Alpha | 0.4075 | |||
| Sortino Ratio | 0.3198 | |||
| Treynor Ratio | 0.5542 | |||
| Maximum Drawdown | 11.67 | |||
| Value At Risk | (1.71) | |||
| Potential Upside | 5.98 | |||
| Downside Variance | 3.02 | |||
| Semi Variance | 1.15 | |||
| Expected Short fall | (1.82) | |||
| Skewness | 0.7391 | |||
| Kurtosis | 2.2 |
Midland States Bancorp Backtested Returns
Midland States appears to be very steady, given 3 months investment horizon. Midland States Bancorp has Sharpe Ratio of 0.3, which conveys that the firm had a 0.3 % return per unit of risk over the last 3 months. By analyzing Midland States' technical indicators, you can evaluate if the expected return of 0.7% is justified by implied risk. Please exercise Midland States' Risk Adjusted Performance of 0.2386, downside deviation of 1.74, and Mean Deviation of 1.54 to check out if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Midland States holds a performance score of 23. The company secures a Beta (Market Risk) of 1.15, which conveys a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Midland States will likely underperform. Please check Midland States' information ratio, downside variance, price action indicator, as well as the relationship between the treynor ratio and kurtosis , to make a quick decision on whether Midland States' current price movements will revert.
Auto-correlation | 0.89 |
Very good predictability
Midland States Bancorp has very good predictability. Overlapping area represents the amount of predictability between Midland States time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Midland States Bancorp price movement. The serial correlation of 0.89 indicates that approximately 89.0% of current Midland States price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.89 | |
| Spearman Rank Test | 0.88 | |
| Residual Average | 0.0 | |
| Price Variance | 0.87 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Midland Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Midland States Bancorp reported net income of 38.04 M. This is 97.02% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 93.34% higher than that of the company.
Midland Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Midland States' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Midland States could also be used in its relative valuation, which is a method of valuing Midland States by comparing valuation metrics of similar companies.Midland States is currently under evaluation in net income category among its peers.
Midland States ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Midland States' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Midland States' managers, analysts, and investors.Environmental | Governance | Social |
Midland States Institutional Holders
Institutional Holdings refers to the ownership stake in Midland States that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Midland States' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Midland States' value.| Shares | Prudential Financial Inc | 2025-06-30 | 230.7 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 216.6 K | Bank Of New York Mellon Corp | 2025-06-30 | 199.1 K | Bank Of America Corp | 2025-06-30 | 194.4 K | Citadel Advisors Llc | 2025-06-30 | 192.6 K | Charles Schwab Investment Management Inc | 2025-06-30 | 171.2 K | Northern Trust Corp | 2025-06-30 | 167.6 K | Nuveen, Llc | 2025-06-30 | 167.1 K | Goldman Sachs Group Inc | 2025-06-30 | 162.4 K | Blackrock Inc | 2025-06-30 | 2.9 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 1.2 M |
Midland Fundamentals
| Return On Equity | -0.22 | ||||
| Return On Asset | -0.0208 | ||||
| Profit Margin | (0.72) % | ||||
| Operating Margin | 0.34 % | ||||
| Current Valuation | 924.28 M | ||||
| Shares Outstanding | 21.17 M | ||||
| Shares Owned By Insiders | 6.21 % | ||||
| Shares Owned By Institutions | 67.08 % | ||||
| Number Of Shares Shorted | 369.53 K | ||||
| Price To Earning | 15.34 X | ||||
| Price To Book | 0.90 X | ||||
| Price To Sales | 2.42 X | ||||
| Revenue | 467.59 M | ||||
| Gross Profit | 210.72 M | ||||
| EBITDA | (93.47 M) | ||||
| Net Income | 38.04 M | ||||
| Cash And Equivalents | 313.19 M | ||||
| Cash Per Share | 14.19 X | ||||
| Total Debt | 432.06 M | ||||
| Debt To Equity | 0.29 % | ||||
| Book Value Per Share | 21.98 X | ||||
| Cash Flow From Operations | 176.55 M | ||||
| Short Ratio | 2.11 X | ||||
| Earnings Per Share | (6.12) X | ||||
| Price To Earnings To Growth | 2.20 X | ||||
| Target Price | 23.88 | ||||
| Number Of Employees | 864 | ||||
| Beta | 0.61 | ||||
| Market Capitalization | 509.48 M | ||||
| Total Asset | 6.51 B | ||||
| Retained Earnings | 247.7 M | ||||
| Annual Yield | 0.05 % | ||||
| Five Year Return | 4.17 % | ||||
| Net Asset | 6.51 B | ||||
| Last Dividend Paid | 1.25 |
About Midland States Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Midland States Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Midland States using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Midland States Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is there potential for Regional Banks market expansion? Will Midland introduce new products? Factors like these will boost the valuation of Midland States. Expected growth trajectory for Midland significantly influences the price investors are willing to assign. Understanding fair value requires weighing current performance against future potential. All the valuation information about Midland States listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.71) | Dividend Share 1.25 | Earnings Share (6.12) | Revenue Per Share | Quarterly Revenue Growth 0.117 |
Midland States Bancorp's market price often diverges from its book value, the accounting figure shown on Midland's balance sheet. Smart investors calculate Midland States' intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Midland States' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Midland States' value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Midland States represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Midland States' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.