MSBI · Midland States Bancorp, Inc.

Track MSBI — free

$32.85 +0.32 (+0.98%) At close · Aug 21

Market Cap

$681.71M

20.75M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Jul 30, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 15.1 · calm Equity put/call 0.51

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +32%

above

Price vs 50-day avg +4%

above

RSI (14) 52

neutral

MACD trend Negative

52-week position 92%

near high

Momentum

relative strength

Very Strong

1-month return +2%

trailing

6-month return +45%

trailing

YTD return +55%

this year

Relative strength +33%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $32 › 200d $25 — 50d above 200d

Institutional flow Accumulating

+10% holders QoQ · +26 funds added

Insider flow Distributing

Net -$341.4K over 90 days · 100% sells

Short interest Rising

4.35% of float · ▲ +9.1% MoM · 4.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

153 holders — near 3-yr high, broad support

Squeeze score 65

elevated · 0–100

Fundamentals

Strong

EPS growth −564%

Y/Y

Free cash flow $120.3M

Buyback $24.9M

remaining

Balance sheet $67.6M

net cash

Quant / Vol

risk profile

Moderate

Volatility 33%

annualized · 1-yr

Max drawdown −22%

past year

ATR 2.5%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the 8-K filed Jul 23, 2026

full year

Effective tax rate 23%

near term

Credit enhancement income $2.5M – $3M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy

1 · 2 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+32% Bullish

Price vs 50-day avg

+4% Bullish

RSI (14)

52 Neutral

MACD trend

Negative Bearish

52-week position

92% Bullish

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $32 › 200d $25 — 50d above 200d

Institutional flow Accumulating

+10% holders QoQ · +26 funds added

Insider flow Distributing

Net -$341.4K over 90 days · 100% sells

Short interest Rising

4.35% of float · ▲ +9.1% MoM · 4.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

153 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $15 Now $33 · 92% Range high $35

vs 200-day avg +32% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted diluted earnings per common share non-GAAP	$0.82	Q2 2026	—
Adjusted earnings available to common shareholders non-GAAP	17.79M	Q2 2026	—

Adjusted PPNR ROAA non-GAAP	2.01%	Q2 2026	—

Adjusted pre-provision net revenue non-GAAP	$32.8M	Q2 2026	—

Allowance for credit losses on loans	$62.5M	June 30, 2026	—
Allowance for credit losses to total loans	1.47%	June 30, 2026	—
Assets under administration	4.78B	Q2 2026	—

Assets under administration (AUM/A)	4.8B	Q2 2026	—
Average Loan Yield	6.31%	Q2 2026	—
Branches/offices	53	Q2 2026	—
C&L as a % of Total RBC	33.6%	Q2 2026	—
Common equity tier 1 capital	10.39%	Q2 2026	—

Common shares outstanding	20,725,814	Q2 2026	—
Common stock repurchased	$2.7M	Q2 2026	—

Cost of Deposits	1.78%	2Q 2026	—
CRE as a % of Total RBC	261.4%	Q2 2026	—
Efficiency ratio non-GAAP	60.61%	Q2 2026	—
Loan to deposit ratio	74.4%	Q2 2026	—
Loans 30-89 days past due	$11M	2Q 2026	—
Loans 30-89 days past due to total loans	0.26%	June 30, 2026	—
Net charge-offs	$12.5M	second quarter of 2026	—

Net interest margin	3.98%	Q2 2026	—

Nonperforming loans to total loans	1.43%	June 30, 2026	—
Provision for credit losses	7.1M	Q2 2026	—
Ratio of nonperforming assets to total assets	0.91%	Q2 2026	—

Return on average tangible common equity (annualized) non-GAAP	16.27%	Q2 2026	—
ROAA	1.22%	Q2 2026	—
Substandard accruing loans	$71.5M	June 30, 2026	—
Tangible Book Value Per Share non-GAAP	$21.41	Q2 2026	—
Tangible Common Equity to Tangible Assets non-GAAP	6.64%	Q2 2026	—
Total capital to risk-weighted assets	15.77%	Q2 2026	—

Trust assets under administration	4.78B	Q2 2026	—

Wealth Management AUA	4.78B	Q2 2026	—
Wealth Management fees	$8.8M	2Q 2026	—
Wealth Management revenue	$8.8M	Q2 2026	—

Nonperforming assets	66.09M	Q4 FY2025	—
Nonperforming loans	65.48M	Q4 FY2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
MSBI Midland States Bancorp, Inc. this stock	$681.71M	+55.2%	—	—	4.3%
MFG Mizuho Financial Group Inc	$124.83B	+40.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.23B	-35.4%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	+0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+19.4%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

153

% held: 70.4%
Net QoQ: +528.8K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

182

View

Short & Settlement

Short Interest Rising

Shares short

901.8K

Days to cover: 4.2d
Change: +75.3K sh

View

Short Volume

Short vol %

63%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

2.7K

Value: $88.0K
As of: Jul 28, 2026

View

Off-Exchange

Off-exchange %

37.0%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$341.4K

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Financials

Net income (FY)

$-124.3M

EPS diluted: $-6.12

View

Buybacks

Authorized

$45.0M

Remaining: $24.9M

Spent Remaining

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 4, 2026
This year: 16

View

Proposed Sales

Value

$280.8K

Shares: 8.4K
Filed: Jul 28, 2026

View

Earnings & Events

Earnings Calls

Last call

Jan 27, 2023

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
MSBI	-1.6%	+1.9%	+44.9%	-2.4%	+55.2%
SPY	-1.4%	+3.6%	+11.6%	+2.5%	+12.3%
vs SPY	-0.2%	-1.8%	+33.4%	-4.9%	+42.9%

Capital returns

Latest dividend

$0.33 / share · ex Aug 14, 2026

Raised 3.1%

Paid (TTM)

$1.29 / share · 4 payouts

Dividend yield (TTM, derived)

3.93%

Buyback program · as of Jul 28, 2026

Authorized

$45.00M

Spent (derived)

$20.10M

Remaining

$24.90M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1466026 CUSIP 597742105 13F (30d) 152 filings 131 filers Visit website Investor relations

MSBI · Midland States Bancorp, Inc.

Price & Indicators

Up next

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns