MSBI
VENTE TOTALE: 8 383 titres (~285 022,84 $ US)
- Insiders
- Ludwig Jeffrey G.
- Total bought
- —
- Total sold
- $285,023
- Last activity
- 2026-07-28
- Last synced
-
2026-08-03 10:19:38
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-03
MSBI's Q2 2026 earnings beat and Zacks #1 ranking represent a genuine short-term catalyst (confidence-adjusted score: 45.5), but the company's fundamentals are in critical distress — a current ratio of 0.26, negative…
The first sentence of the analysis written for MSBI on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 57.4% | 43.2% | 50.7% | 69.6% | 89.3% | |
| Ebit Margin | -22.1% | 8.6% | 17.3% | 30.1% | 31.6% | |
| Ebitda Margin | -20.0% | 11.0% | 19.8% | 33.4% | 36.9% | |
| Operating Profit Margin | -22.1% | 8.6% | 17.3% | 30.1% | 31.6% | |
| Pretax Profit Margin | -24.6% | 8.6% | 17.3% | 30.1% | 31.6% | |
| Continuous Operations Profit Margin | -26.6% | 7.0% | 12.0% | 23.0% | 26.0% | |
| Net Profit Margin | -26.6% | 7.0% | 12.0% | 23.0% | 26.0% | |
| Bottom Line Profit Margin | -30.0% | 5.2% | 10.1% | 22.0% | 25.7% | |
| Current Ratio | 0.263 | 0.229 | 0.234 | 0.216 | 0.322 | |
| Quick Ratio | 0.263 | 0.229 | 0.234 | 0.216 | 0.322 | |
| Solvency Ratio | -0.019 | 0.008 | 0.010 | 0.016 | 0.014 | |
| Cash Ratio | 0.023 | 0.018 | 0.020 | 0.023 | 0.107 | |
| Price To Earnings Ratio | -3.448 | 18.485 | 11.828 | 6.278 | 6.925 | |
| Price To Earnings Growth Ratio | 0.006 | -0.426 | -0.263 | 0.341 | 0.025 | |
| Forward Price To Earnings Growth Ratio | 0.006 | -0.426 | -0.263 | 0.341 | 0.025 | |
| Price To Earnings Diluted Ratio | -3.448 | 18.485 | 11.828 | 6.293 | 6.944 | |
| Price To Earnings Diluted Growth Ratio | 0.006 | -0.426 | -0.263 | 0.340 | 0.025 | |
| Price To Book Ratio | 0.818 | 0.744 | 0.770 | 0.784 | 0.840 | |
| Price To Sales Ratio | 0.989 | 0.969 | 1.199 | 1.362 | 1.779 | |
| Price To Free Cash Flow Ratio | 3.845 | 3.118 | 4.177 | 2.441 | 1.680 | |
| Price To Operating Cash Flow Ratio | 3.681 | 2.996 | 3.942 | 2.407 | 1.666 | |
| Debt To Assets Ratio | 0.058 | 0.056 | 0.077 | 0.082 | 0.072 | |
| Debt To Equity Ratio | 0.672 | 0.595 | 0.763 | 0.849 | 0.808 | |
| Debt To Capital Ratio | 0.402 | 0.373 | 0.433 | 0.459 | 0.447 | |
| Long Term Debt To Capital Ratio | 0.361 | 0.321 | 0.346 | 0.377 | 0.404 | |
| Financial Leverage Ratio | 11.518 | 10.560 | 9.935 | 10.356 | 11.213 | |
| Working Capital Turnover Ratio | -0.104 | -0.109 | -0.099 | -0.092 | -0.078 | |
| Operating Cash Flow Ratio | 0.023 | 0.028 | 0.023 | 0.037 | 0.053 | |
| Operating Cash Flow Sales Ratio | 0.269 | 0.323 | 0.304 | 0.566 | 1.068 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.957 | 0.961 | 0.944 | 0.986 | 0.992 | |
| Debt Service Coverage Ratio | -0.487 | 0.185 | 0.209 | 0.476 | 0.913 | |
| Interest Coverage Ratio | -0.683 | 0.247 | 0.523 | 2.345 | 3.288 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.088 | 2.018 | 0.836 | 1.338 | 4.354 | |
| Operating Cash Flow Coverage Ratio | 0.331 | 0.417 | 0.256 | 0.383 | 0.623 | |
| Capital Expenditure Coverage Ratio | 23.509 | 25.583 | 17.711 | 71.200 | 123.046 | |
| Dividend Paid And Capex Coverage Ratio | 2.997 | 4.117 | 3.497 | 7.588 | 11.991 | |
| Dividend Payout Ratio | -0.294 | 0.946 | 0.580 | 0.290 | 0.310 | |
| Enterprise Value Multiple | -7.656 | 13.955 | 10.724 | 7.449 | 3.643 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 57.4% | ▲14.2% | ▼-4.7% |
| Ebit Margin | -22.1% | ▼-30.7% | ▼-35.2% |
| Ebitda Margin | -20.0% | ▼-31.0% | ▼-36.2% |
| Operating Profit Margin | -22.1% | ▼-30.7% | ▼-35.2% |
| Pretax Profit Margin | -24.6% | ▼-33.1% | ▼-37.2% |
| Continuous Operations Profit Margin | -26.6% | ▼-33.6% | ▼-34.8% |
| Net Profit Margin | -26.6% | ▼-33.6% | ▼-34.8% |
| Bottom Line Profit Margin | -30.0% | ▼-35.3% | ▼-36.6% |
| Current Ratio | 0.263 | ▲0.034 | ▲0.010 |
| Quick Ratio | 0.263 | ▲0.034 | ▲0.010 |
| Solvency Ratio | -0.019 | ▼-0.027 | ▼-0.025 |
| Cash Ratio | 0.023 | ▲0.005 | ▼-0.015 |
| Price To Earnings Ratio | -3.448 | ▼-21.933 | ▼-11.461 |
| Price To Earnings Growth Ratio | 0.006 | ▲0.432 | ▲0.070 |
| Forward Price To Earnings Growth Ratio | 0.006 | ▲0.432 | ▲0.070 |
| Price To Earnings Diluted Ratio | -3.448 | ▼-21.933 | ▼-11.468 |
| Price To Earnings Diluted Growth Ratio | 0.006 | ▲0.432 | ▲0.070 |
| Price To Book Ratio | 0.818 | ▲0.074 | ▲0.027 |
| Price To Sales Ratio | 0.989 | ▲0.021 | ▼-0.270 |
| Price To Free Cash Flow Ratio | 3.845 | ▲0.727 | ▲0.792 |
| Price To Operating Cash Flow Ratio | 3.681 | ▲0.685 | ▲0.743 |
| Debt To Assets Ratio | 0.058 | ▲0.002 | ▼-0.011 |
| Debt To Equity Ratio | 0.672 | ▲0.077 | ▼-0.065 |
| Debt To Capital Ratio | 0.402 | ▲0.029 | ▼-0.021 |
| Long Term Debt To Capital Ratio | 0.361 | ▲0.041 | ▼-0.001 |
| Financial Leverage Ratio | 11.518 | ▲0.958 | ▲0.802 |
| Working Capital Turnover Ratio | -0.104 | ▲0.005 | ▼-0.007 |
| Operating Cash Flow Ratio | 0.023 | ▼-0.005 | ▼-0.010 |
| Operating Cash Flow Sales Ratio | 0.269 | ▼-0.054 | ▼-0.237 |
| Free Cash Flow Operating Cash Flow Ratio | 0.958 | ▼-0.003 | ▼-0.011 |
| Debt Service Coverage Ratio | -0.487 | ▼-0.672 | ▼-0.746 |
| Interest Coverage Ratio | -0.683 | ▼-0.931 | ▼-1.827 |
| Short Term Operating Cash Flow Coverage Ratio | 2.088 | ▲0.071 | ▼-0.039 |
| Operating Cash Flow Coverage Ratio | 0.331 | ▼-0.087 | ▼-0.071 |
| Capital Expenditure Coverage Ratio | 23.509 | ▼-2.074 | ▼-28.701 |
| Dividend Paid And Capex Coverage Ratio | 2.997 | ▼-1.120 | ▼-3.041 |
| Dividend Payout Ratio | -0.294 | ▼-1.240 | ▼-0.661 |
| Enterprise Value Multiple | -7.656 | ▼-21.611 | ▼-13.279 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $462.6M | $528.9M | $609.5M | $594.7M | $557.3M | |
| Enterprise value | $715.6M | $838.1M | $1.08B | $1.09B | $420.6M | |
| EV / Sales | 1.53x | 1.53x | 2.12x | 2.49x | 1.34x | |
| EV / Op. cash flow | 5.69x | 4.75x | 6.98x | 4.39x | 1.26x | |
| EV / Free cash flow | 5.95x | 4.94x | 7.40x | 4.46x | 1.27x | |
| EV / EBITDA | -7.66x | 13.96x | 10.72x | 7.45x | 3.64x | |
| Net debt / EBITDA | -2.71x | 5.15x | 4.67x | 3.37x | -1.18x | |
| Current ratio | 0.26x | 0.23x | 0.23x | 0.22x | 0.32x | |
| Income quality | -1.01x | 4.64x | 2.05x | 2.50x | 4.11x | |
| Graham number | — | $36 | $47 | $59 | $49 | |
| Graham net-net | -$206 | -$250 | -$256 | -$259 | -$217 | |
| Tax burden | 108.2% | 81.1% | 69.5% | 76.3% | 82.0% | |
| Interest burden | 111.3% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$4.04B | -$4.94B | -$5.06B | -$5.20B | -$4.26B | |
| Invested capital | -$3.93B | -$4.66B | -$4.78B | -$4.93B | -$3.96B | |
| Return on assets | -1.9% | 0.5% | 0.8% | 1.3% | 1.1% | |
| Operating ROA | -1.5% | 0.6% | 1.1% | 1.7% | 1.4% | |
| Return on tangible assets | -1.9% | 0.5% | 0.8% | 1.3% | 1.1% | |
| Return on equity | -22.0% | 5.4% | 7.7% | 13.2% | 12.2% | |
| Return on invested capital | -9.5% | 3.2% | 4.2% | 7.1% | 6.6% | |
| Return on capital employed | -10.0% | 4.3% | 7.0% | 10.7% | 8.5% | |
| Earnings yield | -26.9% | 7.2% | 10.0% | 16.9% | 14.6% | |
| Free cash flow yield | 26.0% | 32.1% | 23.9% | 41.0% | 59.5% | |
| Capex / Op. cash flow | 4.3% | 3.9% | 5.6% | 1.4% | 0.8% | |
| Capex / Depreciation | 44.7% | 52.5% | 68.6% | 24.1% | 16.6% | |
| Capex / Sales | 1.1% | 1.3% | 1.7% | 0.8% | 0.9% | |
| SG&A / Sales | 26.9% | 18.8% | 19.9% | 22.2% | 29.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.6% | 0.5% | 0.5% | 0.6% | |
| Intangibles / Total assets | 0.4% | 2.6% | 2.5% | 2.3% | 2.9% | |
| Days sales outstanding | 19d | 269d | 358d | 428d | 516d | |
| Days payables outstanding | 0d | 146d | 161d | 221d | 1022d | |
| Operating cycle | 19d | 269d | 358d | 428d | 516d | |
| Cash conversion cycle | 19d | 123d | 197d | 208d | -506d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-12.5%EV / Sales ▼-0.3%EV / EBITDA ▼-154.9%EV / Op. cash flow ▲+0.947Earnings yield ▼-0.341
Profitability
Return on equity ▼-0.273Return on assets ▼-0.024Return on invested capital ▼-0.127Return on capital employed ▼-0.143Operating ROA ▼-0.021Income quality ▼-5.652Tax burden ▲+0.271
Efficiency
Days sales outstanding ▼-250.168Days payables outstanding ▼-146.259Operating cycle ▼-250.168Cash conversion cycle ▼-103.908Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.034Net debt / EBITDA ▼-7.854Working capital ▲+898977000.000Invested capital ▲+735290000.000Intangibles / Total assets ▼-0.021
Change over 5 years
Valuation
Market cap ▼-17.0%EV / Sales ▲+14.0%EV / EBITDA ▼-310.2%EV / Op. cash flow ▲+4.436Earnings yield ▼-0.415
Profitability
Return on equity ▼-0.342Return on assets ▼-0.030Return on invested capital ▼-0.160Return on capital employed ▼-0.186Operating ROA ▼-0.029Income quality ▼-5.124Tax burden ▲+0.261
Efficiency
Days sales outstanding ▼-497.323Days payables outstanding ▼-1021.815Operating cycle ▼-497.323Cash conversion cycle ▲+524.492Capex / Sales ▲+0.003R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.059Net debt / EBITDA ▼-1.522Working capital ▲+217042000.000Invested capital ▲+36548000.000Intangibles / Total assets ▼-0.024
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-29 Best Value Stock to Buy for July 29th MSBI made it to the Zacks Rank #1 (Strong Buy) value stock list on July 29, 2026.
- 2026-07-29 Best Income Stocks to Buy for July 29th NKSH, MSBI and STBA made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 29, 2026.
- 2026-07-28 What Makes Midland States Bancorp (MSBI) a Strong Momentum Stock: Buy Now? Does Midland States Bancorp (MSBI) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-07-23 Compared to Estimates, Midland States Bancorp (MSBI) Q2 Earnings: A Look at Key Metrics The headline numbers for Midland States Bancorp (MSBI) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-23 Midland States Bancorp (MSBI) Tops Q2 Earnings and Revenue Estimates Midland States Bancorp (MSBI) came out with quarterly earnings of $0.82 per share, beating the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.44 per share a year ago.
- 2026-07-23 Midland States Bancorp, Inc. Announces 2026 Second Quarter Results EFFINGHAM, Ill., July 23, 2026 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (Nasdaq: MSBI) (the “Company”) today reported net income available to common shareholders of $17.7 million, or $0.82 per diluted share, for the second quarter of 2026, compared to net income available to common shareholders of $16.2 million, or $0.74 per diluted share, for the first quarter of 2026. This also compares to net income available to common shareholders of $9.8 million, or $0.44 per diluted share, for the second quarter of 2025.
- 2026-07-09 Midland States Bancorp, Inc. to Announce Second Quarter 2026 Financial Results on Thursday, July 23 EFFINGHAM, Ill., July 09, 2026 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (Nasdaq: MSBI) announced today that it will issue its second quarter 2026 financial results after market close on Thursday, July 23, 2026. Along with the press release announcing the financial results, the Company will publish an investor presentation that will be available on the Webcasts and Presentations page of its investor relations website.
- 2026-07-09 What Makes Midland States Bancorp (MSBI) a New Strong Buy Stock Midland States Bancorp (MSBI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
- 2026-07-08 Are Investors Undervaluing Midland States Bancorp (MSBI) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-06-02 Midland States Bancorp Appears Worthy Of A Cautious Upgrade Midland States Bancorp has rebounded sharply in 2026, with the stock up 68% in six months and improved Q1 results. MSBI''s Q1 2026 earnings exceeded expectations, driven by better loan quality, net interest margin expansion, and efficiency gains. Despite progress, MSBI''s asset quality remains below regional peers, with elevated CRE exposure and ongoing risks from nonperforming loans.