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Upturn AI SWOT - About
Midland States Bancorp Inc (MSBIP)
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Upturn Advisory Summary
10/15/2025: MSBIP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -16.71% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.71 | 52 Weeks Range 21.62 - 24.63 | Updated Date 06/29/2025 |
52 Weeks Range 21.62 - 24.63 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 8.47% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -7.16% | Operating Margin (TTM) 31.24% |
Management Effectiveness
Return on Assets (TTM) -0.16% | Return on Equity (TTM) -1.63% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 1164211968 | Price to Sales(TTM) - |
Enterprise Value 1164211968 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 20100608 |
Shares Outstanding - | Shares Floating 20100608 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Midland States Bancorp Inc
Company Overview
History and Background
Midland States Bancorp, Inc. was founded in 1881 as Effingham Building Loan Association. It has evolved into a diversified financial services provider through organic growth and acquisitions, focusing on community banking, commercial lending, wealth management, and insurance.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products and services, including commercial real estate loans, business loans, and lines of credit.
- Wealth Management: Provides wealth management services, including financial planning, investment management, and trust services.
- Residential Mortgages: Offers mortgage origination and servicing to individual homebuyers.
- Agribusiness: Provides loan services and financing solutions catered to agricultural business needs.
Leadership and Structure
The company is led by Jeffrey G. Ludwig, CEO. The organizational structure includes various departments overseeing commercial banking, wealth management, and other key functions, reporting to the executive leadership team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Competitors: BOK Financial, First Midwest Bancorp.
- Commercial and Industrial Loans: Offers loans to businesses for various purposes. Competitors: Regions Financial, Old National Bancorp.
- Agricultural Loans: Provides financing to agricultural businesses. Competitors: First Financial Bankshares, Heartland Financial USA.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and evolving customer preferences driven by technological advancements and Fintech competition.
Positioning
Midland States Bancorp positions itself as a community-focused bank with a diversified service offering, differentiating through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for regional banking services in the Midwest is estimated to be in the billions. Midland States Bancorp is positioned to capture a portion of this market through its branch network and digital banking platform.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Diversified service offerings
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on interest rate environment
- Competition from larger institutions
- Sensitivity to economic downturns in the Midwest
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growth in wealth management business
- Capitalizing on underserved segments in existing markets
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic recession in the Midwest
Competitors and Market Share
Key Competitors
- HBAN
- CASH
- FFBC
- OZK
Competitive Landscape
Midland States Bancorp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include strong local relationships and a diversified service offering, while disadvantages may include limited geographic reach and scale.
Major Acquisitions
Alpine Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 67.7
- Strategic Rationale: Expanded the companyu2019s footprint in the Chicago metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be discussed based on past financial performance.
Future Projections: Future growth projections would rely on analyst estimates and management guidance.
Recent Initiatives: Recent strategic initiatives undertaken by Midland States Bancorp would be highlighted, such as branch expansions, digital banking enhancements, or acquisitions.
Summary
Midland States Bancorp is a regional bank with solid community ties and diversified services. Its strength lies in its local expertise and diversified revenue streams. Challenges include competition from larger players and sensitivity to economic conditions. Continued strategic initiatives and digital investments are essential for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share estimates may not be precise and are subject to change. Financial data is illustrative without real-time access.
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 2022-08-18 | President, CEO & Vice Chairman Mr. Jeffrey G. Ludwig CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.midlandsb.com |
Full time employees - | 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 Banking, Wealth Management, and Other segments. The company provides a range of financial products and services to consumers and businesses, including commercial loans to finance agricultural equipment and production; and commercial real estate loans for owner occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, and assisted living facilities. In addition, it offers construction and land development loans, such as real estate investment properties and residential developments, and lesser extent loans; and residential real estate loans, which includes first and second mortgage loans, and home equity lines of credit consisting of loans secured by first or second mortgages on primarily owner-occupied primary residences. The company also provides consumer installment loans for the purchase of cars, boats and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; and commercial equipment leasing programs for manufacturing, construction, transportation, and healthcare industries. Further, it offers merchant services; deposit products, including checking, savings, money market, and certificates of deposit, as well as sweep accounts; letters of credit; and trust and wealth management services, such as financial and estate planning, trustee and custodial, investment management, tax, insurance, and 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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