Midland States Bancorp Net Income
| MSBIP Stock | USD 25.51 0.06 0.24% |
As of the 31st of January, Midland States secures the Coefficient Of Variation of 336.55, risk adjusted performance of 0.2076, and Mean Deviation of 0.2944. 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 |
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Gross Profit | Quarterly Earnings Growth (0.71) | Profit Margin | Revenue | Quarterly Revenue Growth 0.117 |
| Last Reported | Projected for Next Year | ||
| Net Income | 43.8 M | 36.7 M | |
| Net Income From Continuing Ops | 43.8 M | 67.6 M | |
| Net Income Applicable To Common Shares | 109 M | 64.2 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 |
Evaluating Midland States's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Midland States Bancorp's fundamental strength.
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 |
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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
Can Regional Banks industry sustain growth momentum? Does Midland have expansion opportunities? Factors like these will boost the valuation of Midland States. Expected growth trajectory for Midland significantly influences the price investors are willing to assign. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Midland States demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth (0.71) | Dividend Share 1.25 | Revenue Per Share | Quarterly Revenue Growth 0.117 | Return On Assets |
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. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated 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.
| 11/02/2025 |
| 01/31/2026 |
If you would invest 0.00 in Midland States on November 2, 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 Shore Bancshares, Third Coast, Northrim BanCorp, Bar Harbor, Farmers National, Northpointe Bancshares, and Alerus 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 | 0.4282 | |||
| Information Ratio | 0.1441 | |||
| Maximum Drawdown | 1.89 | |||
| Value At Risk | (0.55) | |||
| Potential Upside | 0.7655 |
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 | 0.2076 | |||
| Jensen Alpha | 0.1033 | |||
| Total Risk Alpha | 0.0807 | |||
| Sortino Ratio | 0.1349 | |||
| Treynor Ratio | 0.9695 |
Midland States January 31, 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 | 0.2076 | |||
| Market Risk Adjusted Performance | 0.9795 | |||
| Mean Deviation | 0.2944 | |||
| Downside Deviation | 0.4282 | |||
| Coefficient Of Variation | 336.55 | |||
| Standard Deviation | 0.4007 | |||
| Variance | 0.1606 | |||
| Information Ratio | 0.1441 | |||
| Jensen Alpha | 0.1033 | |||
| Total Risk Alpha | 0.0807 | |||
| Sortino Ratio | 0.1349 | |||
| Treynor Ratio | 0.9695 | |||
| Maximum Drawdown | 1.89 | |||
| Value At Risk | (0.55) | |||
| Potential Upside | 0.7655 | |||
| Downside Variance | 0.1834 | |||
| Semi Variance | (0.02) | |||
| Expected Short fall | (0.35) | |||
| Skewness | (0.07) | |||
| Kurtosis | 1.06 |
Midland States Bancorp Backtested Returns
Currently, Midland States Bancorp is very steady. Midland States Bancorp has Sharpe Ratio of 0.39, which conveys that the firm had a 0.39 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Midland States, which you can use to evaluate the volatility of the firm. Please verify Midland States' Mean Deviation of 0.2944, risk adjusted performance of 0.2076, and Coefficient Of Variation of 336.55 to check out if the risk estimate we provide is consistent with the expected return of 0.14%. Midland States has a performance score of 31 on a scale of 0 to 100. The company secures a Beta (Market Risk) of 0.11, which conveys not very significant fluctuations relative to the market. As returns on the market increase, Midland States' returns are expected to increase less than the market. However, during the bear market, the loss of holding Midland States is expected to be smaller as well. Midland States Bancorp right now secures a risk of 0.35%. Please verify Midland States Bancorp potential upside, and the relationship between the total risk alpha and kurtosis , to decide if Midland States Bancorp will be following its current price movements.
Auto-correlation | 0.83 |
Very good predictability
Midland States Bancorp has very good predictability. Overlapping area represents the amount of predictability between Midland States time series from 2nd of November 2025 to 17th of December 2025 and 17th of December 2025 to 31st of January 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 0.83 indicates that around 83.0% of current Midland States price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.83 | |
| Spearman Rank Test | 0.81 | |
| Residual Average | 0.0 | |
| Price Variance | 0.04 |
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 Fundamentals
| Return On Equity | -0.22 | |||
| Return On Asset | -0.0208 | |||
| Profit Margin | (0.72) % | |||
| Operating Margin | 0.34 % | |||
| Current Valuation | 964.58 M | |||
| Number Of Shares Shorted | 37.89 K | |||
| 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 | 423.25 M | |||
| Book Value Per Share | 21.98 X | |||
| Cash Flow From Operations | 176.55 M | |||
| Short Ratio | 6.97 X | |||
| Number Of Employees | 864 | |||
| Beta | 0.64 | |||
| Total Asset | 7.51 B | |||
| Retained Earnings | 247.7 M | |||
| Annual Yield | 0.08 % | |||
| Net Asset | 7.51 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.
Pair Trading with Midland States
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Midland States position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Midland States will appreciate offsetting losses from the drop in the long position's value.Moving together with Midland Stock
| 0.86 | PEBO | Peoples Bancorp | PairCorr |
| 0.88 | WMT | Walmart Common Stock Aggressive Push | PairCorr |
| 0.91 | SAR | Saratoga Investment Corp | PairCorr |
Moving against Midland Stock
| 0.78 | HPQ | HP Inc | PairCorr |
| 0.73 | MSFT | Microsoft | PairCorr |
| 0.66 | HNHPF | Hon Hai Precision | PairCorr |
| 0.59 | JD | JD Inc Adr | PairCorr |
| 0.47 | PG | Procter Gamble | PairCorr |
The ability to find closely correlated positions to Midland States could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Midland States when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Midland States - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Midland States Bancorp to buy it.
The correlation of Midland States is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Midland States moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Midland States Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Midland States can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional 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.