Midland Historical Financial Ratios

MSBI Stock

USD 19.26 0.55 2.78%

Midland States is lately reporting on over 109 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Pb Ratio of 1.67 will help investors to properly organize and evaluate Midland States Bancorp financial condition quickly.

Quick Ratio Current Ratio

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Midland States Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

About Midland Financial Ratios Analysis

Midland States BancorpFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Midland States investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Midland financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Midland States history.

Midland States Financial Ratios Chart

As of now, Midland States' Sales General And Administrative To Revenue is increasing as compared to previous years. The Midland States' current PFCF Ratio is estimated to increase to 5.82, while Capex To Depreciation is projected to decrease to 0.73.

Price To Sales Ratio Ptb Ratio Pb Ratio Pocfratio

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Price To Sales Ratio

Price to Sales Ratio is figured by comparing Midland States Bancorp stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Midland States sales, a figure that is much harder to manipulate than other Midland States Bancorp multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Most ratios from Midland States' fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Midland States Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Midland States Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

	2022	2023	2024	2025 (projected)
PTB Ratio	0.78	0.77	0.89	1.67
Price To Sales Ratio	1.85	1.51	6.8	7.14

Ptb Ratio Price To Sales Ratio

Midland States fundamentals Correlations

	Price To Sales Ratio	Ptb Ratio	Capex To Depreciation	Pb Ratio	Roic	Net Income Per Share	Pocfratio	Interest Coverage	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow	Earnings Yield	Intangibles To Total Assets	Net Debt To E B I T D A	Current Ratio	Receivables Turnover	Debt To Equity	Revenue Per Share	Debt To Assets	Enterprise Value Over E B I T D A	Dividend Yield
Price To Sales Ratio		0.4	0.44	0.4	-0.39	-0.73	-0.15	-0.48	-0.3	0.39	-0.21	0.32	0.43	-0.65	0.09	0.46	-0.79	-0.14	-0.16	-0.28	-0.02	0.12	-0.88	-0.14	0.32	-0.43
Ptb Ratio	0.4		0.58	1.0	-0.1	-0.25	0.31	-0.08	-0.14	0.43	-0.25	0.76	0.86	0.13	0.54	0.88	-0.25	-0.37	-0.2	-0.08	0.31	0.24	-0.54	-0.06	0.3	-0.72
Capex To Depreciation	0.44	0.58		0.58	-0.06	-0.46	0.41	-0.36	0.26	-0.07	-0.45	0.49	0.34	-0.25	0.22	0.37	-0.4	-0.53	-0.01	0.16	-0.21	-0.11	-0.41	-0.38	-0.14	-0.19
Pb Ratio	0.4	1.0	0.58		-0.1	-0.25	0.31	-0.08	-0.14	0.43	-0.25	0.76	0.86	0.13	0.54	0.88	-0.25	-0.37	-0.2	-0.08	0.31	0.24	-0.54	-0.06	0.3	-0.72
Roic	-0.39	-0.1	-0.06	-0.1		0.38	0.67	0.5	0.69	-0.64	-0.35	0.05	-0.09	0.14	0.11	-0.1	0.37	-0.37	0.67	-0.11	0.44	-0.16	0.48	-0.12	-0.19	0.34
Net Income Per Share	-0.73	-0.25	-0.46	-0.25	0.38		-0.09	0.55	-0.04	-0.04	-0.11	0.14	-0.21	0.35	0.45	-0.24	0.98	0.07	0.02	0.04	0.26	-0.22	0.78	-0.01	-0.19	0.23
Pocfratio	-0.15	0.31	0.41	0.31	0.67	-0.09		0.16	0.87	-0.66	-0.39	0.13	0.16	0.23	-0.02	0.17	-0.04	-0.58	0.5	-0.08	0.07	-0.17	0.11	-0.28	-0.23	0.16
Interest Coverage	-0.48	-0.08	-0.36	-0.08	0.5	0.55	0.16		0.15	-0.14	-0.3	0.0	-0.11	0.45	0.17	-0.13	0.55	0.1	0.16	0.28	0.4	-0.43	0.35	-0.26	0.09	-0.15
Capex To Operating Cash Flow	-0.3	-0.14	0.26	-0.14	0.69	-0.04	0.87	0.15		-0.94	-0.28	-0.21	-0.32	0.1	-0.31	-0.31	0.03	-0.52	0.56	0.03	-0.21	-0.31	0.32	-0.32	-0.49	0.53
Pfcf Ratio	0.39	0.43	-0.07	0.43	-0.64	-0.04	-0.66	-0.14	-0.94		0.14	0.39	0.6	0.0	0.42	0.59	-0.12	0.41	-0.53	-0.08	0.33	0.34	-0.45	0.27	0.61	-0.73
Income Quality	-0.21	-0.25	-0.45	-0.25	-0.35	-0.11	-0.39	-0.3	-0.28	0.14		-0.35	-0.25	0.11	-0.39	-0.25	-0.04	0.23	-0.35	-0.09	-0.15	0.52	0.07	0.51	-0.19	0.25
Roe	0.32	0.76	0.49	0.76	0.05	0.14	0.13	0.0	-0.21	0.39	-0.35		0.63	-0.24	0.92	0.64	0.13	-0.45	-0.24	-0.1	0.28	0.11	-0.29	-0.18	-0.03	-0.41
Ev To Operating Cash Flow	0.43	0.86	0.34	0.86	-0.09	-0.21	0.16	-0.11	-0.32	0.6	-0.25	0.63		0.1	0.51	1.0	-0.29	-0.07	0.02	-0.27	0.57	0.42	-0.46	0.22	0.65	-0.76
Pe Ratio	-0.65	0.13	-0.25	0.13	0.14	0.35	0.23	0.45	0.1	0.0	0.11	-0.24	0.1		-0.16	0.08	0.39	0.21	0.01	0.16	0.26	-0.01	0.36	0.17	0.23	-0.21
Return On Tangible Assets	0.09	0.54	0.22	0.54	0.11	0.45	-0.02	0.17	-0.31	0.42	-0.39	0.92	0.51	-0.16		0.51	0.41	-0.29	-0.18	-0.04	0.36	0.03	-0.03	-0.11	0.01	-0.33
Ev To Free Cash Flow	0.46	0.88	0.37	0.88	-0.1	-0.24	0.17	-0.13	-0.31	0.59	-0.25	0.64	1.0	0.08	0.51		-0.31	-0.1	0.0	-0.28	0.54	0.42	-0.49	0.2	0.62	-0.76
Earnings Yield	-0.79	-0.25	-0.4	-0.25	0.37	0.98	-0.04	0.55	0.03	-0.12	-0.04	0.13	-0.29	0.39	0.41	-0.31		0.01	-0.05	0.11	0.14	-0.23	0.77	-0.04	-0.33	0.29
Intangibles To Total Assets	-0.14	-0.37	-0.53	-0.37	-0.37	0.07	-0.58	0.1	-0.52	0.41	0.23	-0.45	-0.07	0.21	-0.29	-0.1	0.01		-0.17	0.33	0.06	0.08	0.07	0.33	0.44	-0.26
Net Debt To E B I T D A	-0.16	-0.2	-0.01	-0.2	0.67	0.02	0.5	0.16	0.56	-0.53	-0.35	-0.24	0.02	0.01	-0.18	0.0	-0.05	-0.17		-0.18	0.35	0.17	0.36	0.29	0.21	0.27
Current Ratio	-0.28	-0.08	0.16	-0.08	-0.11	0.04	-0.08	0.28	0.03	-0.08	-0.09	-0.1	-0.27	0.16	-0.04	-0.28	0.11	0.33	-0.18		-0.32	-0.34	0.08	-0.23	-0.18	-0.15
Receivables Turnover	-0.02	0.31	-0.21	0.31	0.44	0.26	0.07	0.4	-0.21	0.33	-0.15	0.28	0.57	0.26	0.36	0.54	0.14	0.06	0.35	-0.32		0.28	0.1	0.29	0.62	-0.42
Debt To Equity	0.12	0.24	-0.11	0.24	-0.16	-0.22	-0.17	-0.43	-0.31	0.34	0.52	0.11	0.42	-0.01	0.03	0.42	-0.23	0.08	0.17	-0.34	0.28		-0.14	0.9	0.31	-0.12
Revenue Per Share	-0.88	-0.54	-0.41	-0.54	0.48	0.78	0.11	0.35	0.32	-0.45	0.07	-0.29	-0.46	0.36	-0.03	-0.49	0.77	0.07	0.36	0.08	0.1	-0.14		0.12	-0.31	0.58
Debt To Assets	-0.14	-0.06	-0.38	-0.06	-0.12	-0.01	-0.28	-0.26	-0.32	0.27	0.51	-0.18	0.22	0.17	-0.11	0.2	-0.04	0.33	0.29	-0.23	0.29	0.9	0.12		0.39	-0.01
Enterprise Value Over E B I T D A	0.32	0.3	-0.14	0.3	-0.19	-0.19	-0.23	0.09	-0.49	0.61	-0.19	-0.03	0.65	0.23	0.01	0.62	-0.33	0.44	0.21	-0.18	0.62	0.31	-0.31	0.39		-0.72
Dividend Yield	-0.43	-0.72	-0.19	-0.72	0.34	0.23	0.16	-0.15	0.53	-0.73	0.25	-0.41	-0.76	-0.21	-0.33	-0.76	0.29	-0.26	0.27	-0.15	-0.42	-0.12	0.58	-0.01	-0.72

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Midland States Account Relationship Matchups

Midland States fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	1.53	1.95	1.85	1.51	6.8	7.14
Ptb Ratio	0.67	0.84	0.78	0.77	0.89	1.67
Capex To Depreciation	0.29	0.13	0.17	0.24	0.69	0.73
Pb Ratio	0.67	0.84	0.78	0.77	0.89	1.67
Roic	0.009259	0.0249	0.0993	0.0144	0.0166	0.0158
Net Income Per Share	0.97	3.62	4.43	3.41	(0.62)	(0.59)
Sales General And Administrative To Revenue	0.45	0.41	0.4	0.28	0.24	0.31
Pocfratio	0.84	1.67	2.51	3.94	4.53	4.31
Interest Coverage	0.7	3.29	3.0	0.64	0.58	0.55
Capex To Operating Cash Flow	0.005187	0.008127	0.0147	0.0565	0.0649	0.0617
Pfcf Ratio	0.84	1.68	2.55	4.18	4.8	5.82
Income Quality	22.15	4.11	2.39	2.05	1.84	2.85
Roe	0.0843	0.0363	0.12	0.13	0.0953	0.11
Ev To Operating Cash Flow	2.08	1.03	4.27	6.98	8.03	12.35
Pe Ratio	18.5	6.85	6.01	8.08	(39.38)	(37.41)
Return On Tangible Assets	0.003395	0.0112	0.0129	0.00984	0.008856	0.00681
Ev To Free Cash Flow	2.1	1.04	4.34	7.4	8.51	16.23
Earnings Yield	0.054	0.15	0.17	0.12	(0.0254)	(0.0241)
Intangibles To Total Assets	0.0334	0.0289	0.0234	0.0252	0.0227	0.023
Net Debt To E B I T D A	7.83	3.18	(1.85)	2.89	3.32	2.82
Current Ratio	20.99	26.34	22.02	0.19	0.22	0.21
Debt To Equity	1.55	0.69	0.74	0.76	0.88	1.05
Revenue Per Share	11.69	12.68	14.43	18.28	3.59	3.41
Debt To Assets	0.14	0.0618	0.0713	0.0768	0.0691	0.0686
Enterprise Value Over E B I T D A	15.56	10.84	2.98	7.01	8.07	11.43
Dividend Yield	0.0598	0.0452	0.0489	0.0582	0.0524	0.0281
Days Sales Outstanding	580.32	566.82	23.0	449.85	404.87	238.74
Book Value Per Share	253.15	310.66	33.95	35.8	32.22	46.46
Free Cash Flow Yield	1.19	0.6	0.39	0.24	0.22	0.19
Operating Cash Flow Per Share	21.39	14.88	10.6	6.99	6.29	4.54
Stock Based Compensation To Revenue	0.007975	0.006797	0.00686	0.006156	0.005541	0.003802
Ev To Sales	3.79	3.82	1.21	3.14	2.67	3.61
Free Cash Flow Per Share	21.28	14.76	10.44	6.6	5.94	4.3
Capex To Revenue	0.009493	0.009533	0.0108	0.0216	0.0248	0.0366
Cash Per Share	43.44	70.28	40.79	47.48	42.73	25.49
Tangible Book Value Per Share	243.32	301.09	25.72	26.84	24.16	40.79
Graham Number	24.05	49.02	58.19	52.43	47.19	23.85
Shareholders Equity Per Share	26.63	29.53	33.95	35.8	32.22	17.45

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When determining whether Midland States Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Midland Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Midland States Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Midland States Bancorp Stock:

How To Invest In Midland

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Is Midland Stock a good investment?

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What is Midland States' Net Worth?

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You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Midland States. If investors know Midland will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. 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

0.802

Earnings Share

(1.05)

Revenue Per Share

11.952

Quarterly Revenue Growth

0.066

Return On Assets

0.0076

The market value of Midland States Bancorp is measured differently than its book value, which is the value of Midland that is recorded on the company's balance sheet. Investors also form their own opinion of Midland States' value that differs from its market value or its book value, called intrinsic value, which is Midland States' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Midland States' market value can be influenced by many factors that don't directly affect Midland States' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Midland States' value and its price as these two are different measures arrived at by different means. Investors typically determine if Midland States is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. 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.

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Price To Sales Ratio	Ptb Ratio
Capex To Depreciation	Pb Ratio
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Research And Ddevelopement To Revenue	Pocfratio
Interest Coverage	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Income Quality	Roe
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Receivables Turnover	Debt To Equity
Revenue Per Share	Debt To Assets
Enterprise Value Over E B I T D A	Dividend Yield
Days Sales Outstanding	Book Value Per Share
Free Cash Flow Yield	Invested Capital
Operating Cash Flow Per Share	Average Payables
Stock Based Compensation To Revenue	Ev To Sales
Free Cash Flow Per Share	Average Inventory
Capex To Revenue	Cash Per Share
Payout Ratio	Net Current Asset Value
Tangible Asset Value	Tangible Book Value Per Share
Graham Number	Shareholders Equity Per Share
Capex Per Share	Graham Net Net
Average Receivables	Interest Debt Per Share
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Days Of Inventory Outstanding
Free Cash Flow Operating Cash Flow Ratio	Cash Flow Coverage Ratios
Price To Book Ratio	Fixed Asset Turnover
Capital Expenditure Coverage Ratio	Price Cash Flow Ratio
Enterprise Value Multiple	Debt Ratio
Cash Flow To Debt Ratio	Price Sales Ratio
Return On Assets	Asset Turnover
Net Profit Margin	Gross Profit Margin
Price Fair Value	Return On Equity
Operating Cycle	Dividend Payout Ratio
Cash Conversion Cycle	Operating Cash Flow Sales Ratio
Days Of Sales Outstanding

Midland Historical Financial Ratios

About Midland Financial Ratios Analysis

Midland States Financial Ratios Chart

Price To Sales Ratio

Ptb Ratio

Midland States fundamentals Correlations

Midland States Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Midland States fundamentals Accounts

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COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Ev To Free Cash Flow	+ 1.0	Ev To Operating Cash Flow
Earnings Yield	+ 0.98	Net Income Per Share
Return On Tangible Assets	+ 0.92	Roe
Debt To Assets	+ 0.9	Debt To Equity
Ev To Free Cash Flow	+ 0.88	Ptb Ratio

Pfcf Ratio	- 0.94	Capex To Operating Cash Flow
Revenue Per Share	- 0.88	Price To Sales Ratio
Earnings Yield	- 0.79	Price To Sales Ratio
Dividend Yield	- 0.76	Ev To Free Cash Flow
Dividend Yield	- 0.76	Ev To Operating Cash Flow
Dividend Yield	- 0.73	Pfcf Ratio