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Upturn AI SWOT - About
MSBI 
Midland States Bancorp Inc (MSBI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: MSBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.67
1 Year Target Price $19.67
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -35.62% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 399.69M USD | Price to earnings Ratio - | 1Y Target Price 19.67 |
Price to earnings Ratio - | 1Y Target Price 19.67 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 14.28 - 26.69 | Updated Date 08/29/2025 |
52 Weeks Range 14.28 - 26.69 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 6.68% | Basic EPS (TTM) -6.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.5% | Operating Margin (TTM) 26.39% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 6.51% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 812770560 | Price to Sales(TTM) 1.49 |
Enterprise Value 812770560 | Price to Sales(TTM) 1.49 | ||
Enterprise Value to Revenue 3.33 | Enterprise Value to EBITDA - | Shares Outstanding 21535200 | Shares Floating 20122033 |
Shares Outstanding 21535200 | Shares Floating 20122033 | ||
Percent Insiders 5.33 | Percent Institutions 66.69 |
Upturn AI SWOT
Midland States Bancorp Inc
Company Overview
History and Background
Midland States Bancorp, Inc. was founded in 1887 and is headquartered in Effingham, Illinois. Initially a community bank, it has grown through acquisitions and organic growth to offer a broader range of financial services.
Core Business Areas
- Commercial Banking: Provides commercial lending, treasury management, and other financial services to businesses.
- Retail Banking: Offers deposit accounts, mortgages, and other consumer banking products to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
Leon J. Holschbach is the CEO. The organizational structure includes various departments overseeing commercial banking, retail banking, wealth management, and operations, reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is regional and difficult to pinpoint precisely but competes with BOKF, First Midwest, and Huntington Bank.
- Mortgages: Residential mortgage loans. Competes with national and regional banks, credit unions, and online lenders. Competitors include JPMorgan Chase, Wells Fargo, and US Bank.
- Deposit Accounts: Checking, savings, and money market accounts. Competes with local and national banks and credit unions. Competitors include Chase, BofA, and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to economic cycles, interest rate fluctuations, and regulatory changes.
Positioning
Midland States Bancorp Inc. is a regional bank focusing on community relationships and providing a range of financial services. It differentiates itself through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services includes all individuals and businesses requiring financial services. Midland States Bancorp Inc targets a specific segment within this larger market. TAM is in the trillions of dollars in the US, and is segmented regionally.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diverse range of financial services
- Experienced management team
- Solid financial performance in recent years
Weaknesses
- Limited geographic presence
- Dependence on regional economy
- Smaller size compared to national banks
- Exposure to credit risk
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF
- HBAN
- CMA
Competitive Landscape
Midland States Bancorp Inc faces competition from larger national banks, regional banks, and credit unions. Its advantages lie in its local focus and personalized service, while its disadvantages include limited scale and geographic reach.
Major Acquisitions
Sterling Bancorp, Inc.
- Year: 2017
- Acquisition Price (USD millions): 302
- Strategic Rationale: Expanded footprint in Chicago metropolitan area and added commercial banking expertise.
Growth Trajectory and Initiatives
Historical Growth: Data not provided due to lack of real-time access to financial databases. Please see stock analysis websites for more details.
Future Projections: Data not provided due to lack of real-time access to financial databases. Please see stock analysis websites for more details.
Recent Initiatives: Data not provided due to lack of real-time access to financial databases. Please see stock analysis websites for more details.
Summary
Midland States Bancorp is a regional bank with a focus on community banking and wealth management. They operate in a competitive landscape facing threats from larger banks and economic uncertainty. Their strengths are customer relationships and management expertise. Future growth depends on initiatives and strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Competitor websites
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary by region.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Midland States Bancorp Inc
Exchange NASDAQ | Headquaters Effingham, IL, United States | ||
IPO Launch date 2016-05-24 | President, CEO & Vice Chairman Mr. Jeffrey G. Ludwig CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 864 | Website https://www.midlandsb.com |
Full time employees 864 | Website https://www.midlandsb.com | ||
Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates through the Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include a variety of property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans comprising loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans, including first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products, including checking, savings, money market, certificates of deposits, and sweep accounts; trust and wealth management products and services comprising financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
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