Lumida
/MSBI
⌘K
Midland States Bancorp Inc

Midland States Bancorp Inc

MSBI
$33.45USD+0.42%+0.14 today

MARKET CAP

694.2M

P/E (TTM)

28.3x

FWD P/E

DAY RANGE

$33 – $34

52W RANGE

$14
$35

AI Summary

Stalk
StalkMedium

MSBI remains in a Stage 2 advancing regime with a dominant higher highs/higher lows structure and rising EMAs confirming medium-term bullish permission. However, price is currently extended above the 9- and 20-day EMAs and RSI is elevated, making immediate entries unfavorable. Execution is deferred to shallow pullbacks into the confluence zone around the rising short-term EMAs near prior support.

  • Q4 net income $29.7M; EPS rose to $1.30 from $0.97.
  • Total loans +$108M (7% annualized), driven by St. Louis and E. Illinois.
  • Profitability under scrutiny: ROAA at 1.31% trails peers.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$307.7M$462.6M$531.9M$564.9M$476.0M
YoY %-3.4%+50.3%+15.0%+6.2%-15.7%
P / Sales1.8x1.3x1.1x0.9x1.0x
EV / Sales21.7x16.3x14.2x12.8x13.2x
Gross Profit, Adj.$277.6M$406.6M$363.6M$375.1M$325.0M
YoY %+1.8%+46.5%-10.6%+3.2%-13.4%
Margin %90.2%87.9%68.4%66.4%68.3%
EV / Gross Profit24.0x18.5x20.8x19.2x19.3x
EBITDA, Adj.$99.1M$131.4M$88.0M$54.8M$39.8M
YoY %+73.3%+32.6%-33.1%-37.7%-27.3%
Margin %32.2%28.4%16.5%9.7%8.4%
EV / EBITDA67.3x57.4x85.8x131.7x157.9x
EBIT$99.1M$131.4M$88.0M$46.9M$-114.9M
YoY %+209.6%+32.6%-33.1%-46.7%-344.9%
Margin %32.2%28.4%16.5%8.3%-24.1%
EV / EBIT67.3x57.4x85.8x153.8x-54.7x
Net Income$80.5M$96.0M$51.6M$28.6M$-133.7M
YoY %+261.3%+19.2%-46.2%-44.5%-566.8%
Net Margin26.2%20.7%9.7%5.1%-28.1%
EPS (GAAP)$3.57$4.28$2.33$1.32-$6.12
YoY %+275.8%+19.9%-45.6%-43.3%-563.6%