MSBI · Midland States Bancorp, Inc.
$33.38
-0.25 (-0.74%)
At close · Aug 14
Market Cap
$692.71M
Shares
20.75M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$33.38
Open$33.30
Day$33.16–33.72
52W close$14.64–34.53
Avg vol 30d184K
Short int902K · 4.3% float · 4.2d
Short vol58%
Last earningsJan 27, 2023
DataJan 2020–Aug 2026
Filing10-Q · Jul 30
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 30, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+37%
above
Price vs 50-day avg
+7%
above
RSI (14)
58
neutral
MACD trend
Negative
52-week position
94%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+48%
trailing
YTD return
+58%
this year
Relative strength
+35%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $31 › 200d $24 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +26 funds added
Insider flow
Distributing
Net -$285.0K 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
150 holders — near 3-yr high, broad support
Squeeze score
64
elevated · 0–100
Fundamentals
EPS growth
−564%
Y/Y
Free cash flow
$120.3M
Buyback
$24.9M
remaining
Balance sheet
$67.6M
net cash
Quant / Vol
risk profile
Volatility
34%
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
Latest guidance
· from the 8-K filed Jan 22, 2026
Credit enhancement income
· near-term
$1.5M – $2M
Operating expense run-rate
· near-term
$50M – $51M
Additional expenses from changes to third-party lending agreemen
· near-term
$1.5M – $2M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+37%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
58
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $31 › 200d $24 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +26 funds added
Insider flow
Distributing
Net -$285.0K 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
150 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $15
Now $33 · 94%
Range high $35
vs 200-day avg +37%
vs 50-day avg +7%
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 pre-provision net revenue non-GAAP | $32.8M | Three Months Ended June 30, 2026 | — |
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| Adjusted pre-provision net revenue to average assets (annualized) non-GAAP | 2.01% | Three Months Ended June 30, 2026 | — |
| Common equity tier 1 capital | 10.39% | As of June 30, 2026 | — |
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| Common shares outstanding at period end | 20,725,814 | As of June 30, 2026 | — |
| Community Bank loan portfolio | $6.3M | Three Months Ended June 30, 2026 | — |
| Efficiency ratio non-GAAP | 60.61% | Three Months Ended June 30, 2026 | — |
| Net charge-offs to average loans (annualized) | 1.17% | Three Months Ended June 30, 2026 | — |
| Net interest margin (annualized) | 3.98% | Three Months Ended June 30, 2026 | — |
| Ratio of nonperforming assets to total assets | 0.91% | As of June 30, 2026 | — |
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| Return on average tangible common equity (annualized) non-GAAP | 16.27% | Three Months Ended June 30, 2026 | — |
| Tangible book value per share at period end non-GAAP | $21.41 | As of June 30, 2026 | — |
| Total capital to risk-weighted assets | 15.77% | As of June 30, 2026 | — |
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| Trust assets under administration | $4.78B | As of June 30, 2026 | — |
| Wealth Management revenue | $8.8M | Three Months Ended June 30, 2026 | +19.3% |
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| Adjusted earnings available to common shareholders non-GAAP | $17.2M | first quarter of 2026 | — |
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| Adjusted pre-provision net revenue to average assets non-GAAP | 1.91% | Three Months Ended March 31, 2026 | — |
| Assets under administration | 4.47B | first quarter of 2026 | — |
| Net interest margin | 3.91% | first quarter of 2026 | — |
| Common stock repurchased | $9.6M | Q4 FY2025 | — |
| Net charge-offs | 43.49M | Q4 FY2025 | — |
| 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MSBI
this stock
Midland States Bancorp, Inc.
|
$692.71M | +57.7% | — | — | 4.3% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
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 | -0.3% | +7.3% | +48.5% | -0.9% | +57.7% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | -0.7% | +2.8% | +34.7% | -4.8% | +43.8% |
Capital returns
Latest dividend
$0.33
/ share · ex Aug 14, 2026
Paid (TTM)
$1.29
/ share · 4 payouts
Dividend yield (TTM, derived)
3.86%
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.