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Upturn AI SWOT - About
Midland States Bancorp Inc (MSBIP)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.8% | Avg. Invested days 54 | 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 08/14/2025 |
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 1920 as Effingham Building Loan & Homestead Association in Effingham, Illinois. Over time, it evolved into a full-service commercial bank, expanding through organic growth and acquisitions of other community banks and financial services companies.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, deposit accounts, cash management, and treasury services to businesses of all sizes.
- Retail Banking: Provides traditional retail banking services, such as checking and savings accounts, mortgages, consumer loans, and credit cards, to individuals and families.
- Wealth Management: Offers wealth management, trust, and investment advisory services to individuals, families, and institutions.
Leadership and Structure
The leadership team includes Jeffrey Ludwig (President & CEO) and Douglas J. Tucker (Chief Financial Officer). The organizational structure is a typical bank holding company structure with various divisions and departments reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment. Market share data is not readily available, but competition includes larger national and regional banks, as well as other community banks. Competitors: BOKF, JPMorgan Chase & Co.
- Mortgages: Residential mortgage loans offered to individuals. Market share varies by region but is competitive with other banks and mortgage companies. Competitors: Wells Fargo, Rocket Mortgage.
- Deposit Accounts: Checking, savings, and money market accounts for retail and commercial customers. Competitors: BOKF, JPMorgan Chase & Co.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Midland States Bancorp Inc. is positioned as a community-focused bank offering a blend of traditional banking services and modern technology. Competitive advantages include strong relationships with local businesses and communities, as well as a commitment to customer service.
Total Addressable Market (TAM)
The TAM for community banking in the Midwest is estimated to be in the billions of dollars. Midland States Bancorp Inc. holds a small but significant portion of this market, with opportunities for growth through expansion and acquisition.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on net interest income
- Exposure to interest rate risk
Opportunities
- Expansion into new markets
- Acquisition of other community banks
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF
- JPM
- KEY
- USB
Competitive Landscape
Midland States Bancorp Inc. competes with larger regional and national banks, as well as other community banks. Its advantages lie in its strong community relationships and customer service.
Major Acquisitions
Heartland Bank and Trust Company
- Year: 2018
- Acquisition Price (USD millions): 343.1
- Strategic Rationale: Expanded presence in central Illinois and increased market share.
Growth Trajectory and Initiatives
Historical Growth: Growth has been moderate, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates vary depending on market conditions and company performance.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Midland States Bancorp Inc. is a relatively stable community bank with a diversified business model. Its strengths lie in local relationships and experienced management. However, it faces challenges from larger competitors and needs to adapt to technological changes in the financial industry. Future growth relies on successful expansion and acquisition strategies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Yahoo Finance
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change, and past performance is not indicative of future results.
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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