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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
10/30/2025: 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 $20
1 Year Target Price $20
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -39.21% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 348.14M USD | Price to earnings Ratio - | 1Y Target Price 20 |
Price to earnings Ratio - | 1Y Target Price 20 | ||
Volume (30-day avg) 4 | Beta 0.7 | 52 Weeks Range 14.28 - 26.69 | Updated Date 10/30/2025 |
52 Weeks Range 14.28 - 26.69 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 7.55% | Basic EPS (TTM) -6.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.65 | Actual - |
Profitability
Profit Margin -62.09% | Operating Margin (TTM) 26.39% |
Management Effectiveness
Return on Assets (TTM) -1.87% | Return on Equity (TTM) -20.49% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 776861824 | Price to Sales(TTM) 1.55 |
Enterprise Value 776861824 | Price to Sales(TTM) 1.55 | ||
Enterprise Value to Revenue 2.74 | Enterprise Value to EBITDA - | Shares Outstanding 21543555 | Shares Floating 20114571 |
Shares Outstanding 21543555 | Shares Floating 20114571 | ||
Percent Insiders 5.48 | Percent Institutions 66.59 |
Upturn AI SWOT
Midland States Bancorp Inc
Company Overview
History and Background
Midland States Bancorp, Inc. was founded in 1920 and is headquartered in Effingham, Illinois. It evolved from a small community bank into a diversified financial services provider through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including commercial loans, treasury management, and deposit accounts to businesses of all sizes.
- Retail Banking: Offers a variety of retail banking products and services, including checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and trust services to individuals, families, and businesses.
- Farm Management: Offers professional farm management services to landowners.
Leadership and Structure
Leon J. Holschbach is the CEO. The company has a board of directors overseeing management and strategic decisions. It is structured with various departments overseeing the different core business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide lending to businesses for various purposes. Market share is difficult to pinpoint precisely but is a fragment of the total US commercial loan market which is highly competitive. Key competitors include larger national banks like JPMorgan Chase and Bank of America, as well as regional players.
- Mortgage Lending: Offer mortgage products to individuals. Competitors are diverse, ranging from large national lenders to smaller regional and local banks. Market share highly fragmented.
- Treasury Management Services: Provide services that help businesses manage cash flow and finances. Competitors range from large national banks such as JPMorgan Chase, BofA, and smaller regional banks, with varying competitive advantages. Market share unavailable.
Market Dynamics
Industry Overview
The banking industry is facing increased regulatory scrutiny, technological disruption (fintech), and fluctuating interest rate environments. Consolidation is ongoing, and competition is fierce.
Positioning
Midland States Bancorp Inc. is positioned as a regional bank focusing on community relationships and personalized service. Its competitive advantage lies in its local market knowledge and customer relationships. It aims for strong customer relationships and tailored solutions.
Total Addressable Market (TAM)
The TAM for banking services in the US is substantial, representing trillions of dollars. Midland States Bancorp Inc is positioned to serve regional markets and specific customer segments, contributing to a portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified business model
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national banks
- Dependence on interest rate spreads
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Increased demand for wealth management services
- Adoption of new technologies
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FIRST MIDWEST BANCORP INC (FMBI)
- HEARTLAND FINANCIAL USA, INC. (HTLF)
- OLD NATIONAL BANCORP (ONB)
Competitive Landscape
Midland States Bancorp Inc. faces competition from larger regional banks with greater resources and smaller community banks with stronger local ties. Its success depends on its ability to differentiate itself through personalized service and tailored solutions.
Major Acquisitions
Heartland Community Bancorp
- Year: 2018
- Acquisition Price (USD millions): 81.3
- Strategic Rationale: Expanded presence in central Illinois and added expertise in agricultural lending.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future growth depends on economic conditions, strategic initiatives, and market opportunities.
Recent Initiatives: Recent initiatives could include branch expansions, new product launches, or technology investments.
Summary
Midland States Bancorp is a regional bank with deep community ties. It has diversified revenue streams, but it faces challenges from larger competitors and fluctuating economic conditions. The company should focus on technological upgrades and strategic acquisitions to enhance long-term growth. Careful attention must be paid to interest rate environments and maintaining a competitive edge against Fintech's.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions are subject to change, and investment decisions should be made based on individual circumstances and professional guidance.
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 880 | Website https://www.midlandsb.com |
Full time employees 880 | 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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