📊 MSBIP Key Takeaways
Is Midland States Bancorp, Inc. (MSBIP) a Good Investment?
Midland States Bancorp is experiencing severe financial distress with a $124.3M net loss and -52.5% net margin, indicating fundamental operational failure rather than temporary headwinds. Despite positive operating cash flow, the company's negative profitability metrics (ROE: -22.0%, ROA: -1.9%), deteriorating earnings per share, and negative interest coverage ratio signal existential solvency concerns for a financial institution.
Despite strong revenue growth, the company is unprofitable with deeply negative operating and net margins, negative ROE/ROA, and inadequate interest coverage—pointing to ongoing core earnings pressure. Positive operating cash flow and modest capex provide liquidity support, and equity appears adequate relative to assets, but profitability must normalize and credit costs stabilize for fundamentals to improve.
Why Buy Midland States Bancorp, Inc. Stock? MSBIP Key Strengths
- Strong operating cash flow of $125.7M providing short-term liquidity buffer
- Conservative debt structure with 0.00x debt-to-equity ratio limiting leverage risk
- Substantial asset base of $6.5B providing operational foundation
- Positive operating cash flow and strong FCF
- Adequate equity relative to total assets
- Revenue growth momentum that could support recovery
MSBIP Stock Risks: Midland States Bancorp, Inc. Investment Risks
- Massive net loss of -$124.3M with -52.5% net margin indicating core business failure
- Negative interest coverage ratio of -2.5x suggests inability to service debt obligations from earnings
- Deteriorating capital position with negative ROE (-22.0%) and ROA (-1.9%) eroding shareholder value
- For a bank, persistent unprofitability questions asset quality and loan portfolio viability
- Sustained negative margins and -2.5x interest coverage
- Elevated credit losses/provisioning could persist
- Rising deposit costs/NIM compression pressuring core earnings
Key Metrics to Watch
- Net interest margin and loan loss provisions relative to portfolio
- Quarterly return to profitability or further deterioration in net income
- Non-performing assets and allowance for credit losses as percentage of total loans
- Capital adequacy ratios and regulatory compliance status
- Operating cash flow sustainability as earnings remain negative
- Net interest margin (NIM)
- Nonperforming loan (NPL) ratio
Midland States Bancorp, Inc. (MSBIP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 50.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
MSBIP Profit Margin, ROE & Profitability Analysis
MSBIP vs Finance Sector: How Midland States Bancorp, Inc. Compares
How Midland States Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Midland States Bancorp, Inc. Stock Overvalued? MSBIP Valuation Analysis 2026
Based on fundamental analysis, Midland States Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Midland States Bancorp, Inc. Balance Sheet: MSBIP Debt, Cash & Liquidity
MSBIP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Midland States Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.33 reflects profitable operations.
MSBIP Revenue Growth, EPS Growth & YoY Performance
Midland States Bancorp, Inc. Dividends, Buybacks & Capital Allocation
MSBIP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Midland States Bancorp, Inc. (CIK: 0001466026)
📋 Recent SEC Filings
❓ Frequently Asked Questions about MSBIP
What is the AI rating for MSBIP?
Midland States Bancorp, Inc. (MSBIP) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (SELL) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are MSBIP's key strengths?
Claude: Strong operating cash flow of $125.7M providing short-term liquidity buffer. Conservative debt structure with 0.00x debt-to-equity ratio limiting leverage risk. ChatGPT: Positive operating cash flow and strong FCF. Adequate equity relative to total assets.
What are the risks of investing in MSBIP?
Claude: Massive net loss of -$124.3M with -52.5% net margin indicating core business failure. Negative interest coverage ratio of -2.5x suggests inability to service debt obligations from earnings. ChatGPT: Sustained negative margins and -2.5x interest coverage. Elevated credit losses/provisioning could persist.
What is MSBIP's revenue and growth?
Midland States Bancorp, Inc. reported revenue of $236.8M.
Does MSBIP pay dividends?
Midland States Bancorp, Inc. pays dividends, with $27.7M distributed to shareholders in the trailing twelve months.
Where can I find MSBIP SEC filings?
Official SEC filings for Midland States Bancorp, Inc. (CIK: 0001466026) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is MSBIP's EPS?
Midland States Bancorp, Inc. has a diluted EPS of $-6.12.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is MSBIP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Midland States Bancorp, Inc. has a SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is MSBIP stock overvalued or undervalued?
Valuation metrics for MSBIP: ROE of -22.0% (sector avg: 12%), net margin of -52.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy MSBIP stock in 2026?
Our dual AI analysis gives Midland States Bancorp, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is MSBIP's free cash flow?
Midland States Bancorp, Inc.'s operating cash flow is $125.7M, with capital expenditures of $5.3M. FCF margin is 50.8%.
How does MSBIP compare to other Finance stocks?
Vs Finance sector averages: Net margin -52.5% (avg: 25%), ROE -22.0% (avg: 12%), current ratio N/A (avg: 1.2).