MIDLAND STATES BANCORP INC (MSBI)

What MIDLAND STATES BANCORP INC does

Midland States Bancorp is a diversified financial holding company headquartered in Illinois with a primary banking subsidiary offering commercial and consumer lending, deposit taking, wealth management, and trust services across Illinois and the St. Louis metropolitan area. As of December 31, 2025, the company had total assets of $6.51 billion and operates 53 full-service banking offices, with a wealth management group managing approximately $4.48 billion in assets under administration.

Fundamentals

• Price$30.14 as of 2026-07-09 close
• Market cap$624M as of 2026-07-10
• 1-year return+60.9% as of 2026-07-09 close
• P/E17.75 as of 2026-07-10
• Net margin+28.7% as of 2026-07-10
• ROE+6.2% as of 2026-07-10
• Debt / equity0.42 as of 2026-07-10
• Revenue growth (YoY)+43.3% as of 2026-07-10
• Beta0.66 as of 2026-07-10

Dividend: yield +4.3%; 5-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Concentration in commercial real estate lending, particularly in multi-family, retail, and hotel/motel properties, which exposes the company to property market downturns and local economic conditions","Net interest income pressure from deposit costs and competitive deposit environment, as evidenced by increasing interest expenses on deposits","Regulatory capital and compliance requirements including Community Reinvestment Act, Dodd-Frank Act, and evolving Basel III capital standards that could require additional capital raises or limit growth"]

See MSBI's biggest risks from its latest 10-Q →

Competitors & peers

• Old National Bancorp (OLDE)
• Cullen/Frost Bankers (CFR)
• First Bancorp (FBNC)
• PointsBet (regional banking peers serving similar markets)

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