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Midland States Stock Price, News & Analysis

MSBI NASDAQ

Company Description

Overview

Midland States Bancorp, Inc (MSBI) is a diversified, community-based financial holding company headquartered in Effingham, Illinois. Operating primarily through its subsidiary, Midland States Bank, MSBI offers an extensive range of financial products and services that include commercial and consumer banking solutions, equipment financing, merchant credit card services, trust administration, investment management, insurance, and financial planning. Industry-specific keywords such as commercial lending, wealth management, and community banking reinforce its market presence.

Business Model and Operations

MSBI generates revenue through a dual-focused business model: its core banking activities and wealth management operations. The banking segment delivers a full suite of products including commercial loans, real estate financing, construction loans, and consumer credit, ensuring a diverse and balanced approach to meeting the needs of both individual and business clients. Additionally, the wealth management segment offers trust and fiduciary services, brokerage, retirement planning, and estate planning services that complement the traditional banking infrastructure.

The company has been methodical in reducing exposure to higher-risk portfolios, particularly those associated with non-core consumer loans. This strategic shift is aimed at bolstering the quality of its loan portfolio by emphasizing high-quality, relationship-based lending within its community bank footprint.

Market Position and Strategic Emphasis

Within its regional market, Midland States Bancorp distinguishes itself by blending traditional banking competencies with a comprehensive suite of wealth management services. Its focus on community-based banking is supported by an operational strategy that encourages prudent credit risk management and the consistent realignment of asset portfolios to maintain financial stability and operational efficiency. These efforts are reflected in disciplined efforts to restructure underperforming segments while reinforcing the high-quality commercial loan base.

Integration of Financial Services

The integration of equipment financing and merchant services further fortifies MSBI’s role as a provider of holistic financial solutions. Business equipment financing and tailored merchant services enhance its overall service offering by addressing the financing needs of small to mid-sized enterprises, thereby reinforcing its community-focused approach.

Moreover, its wealth management operations add an additional layer of depth to its revenue model, providing robust trust and investment management services that cater to a diverse range of client needs. This dual approach not only diversifies revenue streams but also stabilizes income, positioning the company as a resilient financial institution in a competitive market.

Expert Insights and Industry Relevance

  • Traditional Banking Expertise: MSBI's long-standing history in both commercial and consumer banking demonstrates depth in traditional financial services while emphasizing customer relationships and community trust.
  • Diversification Strategy: By actively managing higher-risk loan segments and focusing on quality lending, the company has developed a nuanced strategy that balances risk with growth potential.
  • Comprehensive Financial Solutions: The integration of equipment financing, merchant credit services, and wealth management enables MSBI to offer complete financial solutions, addressing a wide array of client needs in one cohesive framework.

Investors and market researchers find MSBI’s approach noteworthy for its commitment to maintaining financial strength while adapting to changing market conditions. The systematic reduction of non-core consumer lending in favor of concentrated, high-quality commercial lending confirms its proactive risk management and community-centric business philosophy.

Stock Performance

$—
0.00%
0.00
Last updated:
-24.88 %
Performance 1 year
$370.7M
Market Cap
21.5M
Shares outstanding

SEC Filings

No SEC filings available for Midland States.

Financial Highlights

$54,950,000
Revenue (TTM)
$18,476,000
Net Income (TTM)
$0.74
Diluted EPS (TTM)
$33,231,000
Operating Cash Flow
33.62%
Net Profit Margin
41.05%
Oper. Profit Margin

Upcoming Events

September 29, 2025
Nasdaq compliance restoration deadline
Final date to regain Nasdaq compliance under 180-day cure period

Frequently Asked Questions

What is the current stock price of Midland States (MSBI)?

The current stock price of Midland States (MSBI) is $16.29 as of June 18, 2025.

What is the market cap of Midland States (MSBI)?

The market cap of Midland States (MSBI) is approximately 370.7M.

What is the revenue (TTM) of Midland States (MSBI) stock?

The trailing twelve months (TTM) revenue of Midland States (MSBI) is $54,950,000.

What is the net income of Midland States (MSBI)?

The trailing twelve months (TTM) net income of Midland States (MSBI) is $18,476,000.

What is the earnings per share (EPS) of Midland States (MSBI)?

The diluted earnings per share (EPS) of Midland States (MSBI) is $0.74 on a trailing twelve months (TTM) basis.

What is the operating cash flow of Midland States (MSBI)?

The operating cash flow of Midland States (MSBI) is $33,231,000.

What is the profit margin of Midland States (MSBI)?

The net profit margin of Midland States (MSBI) is 33.62%.

What is the operating margin of Midland States (MSBI)?

The operating profit margin of Midland States (MSBI) is 41.05%.

What is the current ratio of Midland States (MSBI)?

The current ratio of Midland States (MSBI) is 1.12, indicating the company's ability to pay short-term obligations.

What is the operating income of Midland States (MSBI)?

The operating income of Midland States (MSBI) is $22,556,000.

What services does Midland States Bancorp offer?

MSBI offers a full range of financial products and services including commercial and consumer banking, equipment financing, merchant credit card services, and wealth management solutions.

How does MSBI generate its revenue?

The company generates revenue primarily through traditional banking activities like commercial lending and consumer loans, complemented by its wealth management and equipment financing services.

What differentiates MSBI from other banks?

MSBI stands out due to its strong community focus, diversified service offering, and strategic shift toward high-quality commercial lending, which together enhance its stability and operational efficiency.

What is the role of wealth management at MSBI?

The wealth management segment provides services such as trust administration, investment management, and retirement planning, adding depth to the company’s overall financial solutions.

How has the company addressed higher-risk loan exposures?

MSBI has strategically reduced its exposure to non-core consumer loans and implemented stricter credit standards to focus on relationship-based, high-quality commercial lending.

Where is Midland States Bancorp headquartered?

The company is headquartered in Effingham, Illinois, and serves its regional market with a strong emphasis on community-based financial services.

What is the significance of equipment financing in MSBI's operations?

Equipment financing allows MSBI to extend tailored financial solutions to businesses, complementing its traditional lending and contributing to a diversified revenue stream.

How does MSBI maintain its financial stability?

Financial stability is maintained through diversified revenue streams, disciplined risk management, ongoing portfolio restructuring, and a balanced focus on both banking and wealth management services.