MSBI
Midland States Bancorp, Inc.
$30.53
+0.39 (+1.29%)
At close · Jul 10
Market Cap
$632.88M
Shares
20,729,799
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$30.53
Open$30.14
Day$29.72–30.86
52W$13.76–31.68
Avg vol 30d166K
Short int796K · 3.8% float · 3.2d
Short vol75%
Last earningsJan 26, 2023
DataJan 2020–Jul 2026
Filing10-Q · Apr 30
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Apr 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 · calm
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+36%
above
Price vs 50-day avg
+7%
above
RSI (14)
59
neutral
MACD trend
Negative
52-week position
94%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+4%
trailing
6-month return
+37%
trailing
YTD return
+46%
this year
Relative strength
+28%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $29 › 200d $22 — 50d above 200d
Institutional flow
Distributing
7 of 137 funds reported for Jun 30 · net -2.6K sh shares
Insider flow
Accumulating
Net +$249.0K over 90 days · 0% sells
Short interest
Rising
3.84% of float · ▲ +24.6% MoM · 3.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
137 holders — mid 3-yr range
Squeeze score
66
elevated · 0–100
Fundamentals
EPS growth
−564%
Y/Y
Free cash flow
$120.3M
Valuation
P/E 25.4
rich
Buyback
$25.0M
authorized
Balance sheet
$127.8M
net cash
Quant / Vol
risk profile
Volatility
34%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
2.7%
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.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+36%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
59
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $29 › 200d $22 — 50d above 200d
Institutional flow
Distributing
7 of 137 funds reported for Jun 30 · net -2.6K sh shares
Insider flow
Accumulating
Net +$249.0K over 90 days · 0% sells
Short interest
Rising
3.84% of float · ▲ +24.6% MoM · 3.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
137 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $14
Now $31 · 94%
52-wk high $32
vs 200-day avg +36%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings available to common shareholders non-GAAP | $17.2M | Q1 2026 | — |
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| Adjusted pre-provision net revenue non-GAAP | $30.5M | Q1 2026 | — |
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| Assets under administration | $4.47B | Q1 2026 | — |
| Common equity tier 1 capital | 9.98% | Q1 2026 | — |
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| Common shares outstanding at period end | 20,813,975 | Q1 2026 | — |
| Community Bank loan portfolio increase | $68.8M | Q1 2026 | — |
| Net interest margin | 3.91% | Q1 2026 | — |
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| Ratio of nonperforming assets to total assets | 0.91% | Q1 2026 | — |
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| Total capital to risk-weighted assets | 15.27% | Q1 2026 | — |
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| Trust assets under administration | $4,474,234K | Q1 2026 | — |
| Allowance for credit losses on loans ratio | 1.59% | As of December 31, 2025 | — |
| Community Bank loan growth | $53.7M | Q4 2025 | — |
| Equipment finance balances decline | $578.1M | Q4 2025 | — |
| Loans 30-89 days past due | $17.1M | As of December 31, 2025 | — |
| Net charge-offs (excluding equipment finance sale impact) | $13.7M | Q4 2025 | — |
| New loan originations (Community Bank) | $180M | Q4 2025 | — |
| Nonperforming loans | $65.5M | As of December 31, 2025 | — |
| Wealth Management revenue | $8.3M | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MSBI
this stock
Midland States Bancorp, Inc.
|
$632.88M | +46.2% | — | 25.4 | 3.8% |
|
HDB
Hdfc Bank Ltd
|
$136.10B | -27.4% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$127.67B | +43.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.01B | -2.7% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.16B | +21.6% | +7.2% | 14.6 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MSBI | +0.6% | +3.6% | +37.2% | -2.0% | +46.2% |
| SPY | +1.4% | +4.1% | +9.1% | +1.1% | +10.7% |
| vs SPY | -0.8% | -0.4% | +28.2% | -3.1% | +35.5% |
Capital returns
Latest dividend
$0.32
/ share · ex May 15, 2026
Paid (TTM)
$1.28
/ share · 4 payouts
Dividend yield (TTM, derived)
4.19%
Buyback program
· as of Nov 3, 2025
Authorized
$25.00M
Spent (derived)
—
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.