Midland States Bancorp, Inc. (MSBI) Stock Price & Analysis
Midland States Bancorp, Inc. (MSBI) rose 4.13% to USD 32.25 as of July 25, 2026 at 06:55 UTC, according to Nexqual real-time market data.
MSBI last closed at USD 30.97; the session ranged USD 30.99–32.51 on volume of 200,357 shares. Market capitalization is $668.54M, with a 52-week range of USD 14.24–32.51 (NMS). Source: Nexqual, July 25, 2026 at 06:55 UTC.
Key Statistics (as of July 25, 2026 at 06:55 UTC)
| Price | USD 32.25 |
|---|---|
| Change | ▲ 4.13% (up) |
| Previous Close | USD 30.97 |
| Open | USD 30.99 |
| Day Range | USD 30.99 – 32.51 |
| 52-Week Range | USD 14.24 – 32.51 |
| Volume | 200,357 shares |
| Market Cap | $668.54M |
| Exchange | NMS |
Technical Analysis (MSBI)
Nexqual's technical model rates MSBI "BUY" based on 5 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 06:55 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 65.26 (neutral) |
| vs SMA50 | Above (USD 29.4) |
| MACD | 0.58 (positive) |
Analyst Ratings (MSBI)
Wall Street analysts rate MSBI "Hold" based on 4 analysts, with a mean price target of USD 30.75 (range USD 28–33), per Nexqual as of July 25, 2026 at 06:55 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 4 |
| Mean Target | USD 30.75 |
| High Target | USD 33 |
| Low Target | USD 28 |
| Buy / Hold / Sell | 0 / 5 / 0 |
Earnings (MSBI)
| Next Earnings Date | 2026-07-23 |
|---|---|
| EPS Estimate | USD 0.84 |
| Revenue Estimate | $81.52M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.82 vs est 0.78 ▲ beat |
| 2026-03-31 | USD 0.79 vs est 0.61 ▲ beat |
| 2025-12-31 | USD 0.53 vs est 0.75 ▼ miss |
| 2025-09-30 | USD 0.24 vs est 0.64 ▼ miss |
Source: Nexqual, July 25, 2026 at 06:55 UTC.
Financials & Fundamentals (MSBI)
| Total Revenue | $274.47M |
|---|---|
| Revenue Growth (YoY) | +14.30% |
| Gross Margin | +0.00% |
| Operating Margin | +34.02% |
| Profit Margin | +12.81% |
| ROE | +6.22% |
| Total Cash | $117.31M |
| Total Debt | $482.63M |
Source: Nexqual, July 25, 2026 at 06:55 UTC.
Financial Health Score (MSBI)
Nexqual rates Midland States Bancorp, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:55 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $117M cash vs $483M debt |
| Cash Flow | Solid — Operating cash flow $118M |
| Efficiency | Mixed — ROE 6%, ROA 0.5% |
Ownership (MSBI)
| Insider Ownership | +8.18% |
|---|---|
| Institutional Ownership | +70.15% |
| Shares Outstanding | 20.73M |
| Float | 19.48M |
| Short % of Float | +4.16% |
Source: Nexqual, July 25, 2026 at 06:55 UTC.
Leadership (MSBI)
Midland States Bancorp, Inc. is led by Jeffrey G. Ludwig (age 53), President, CEO & Vice Chairman, per Nexqual as of July 25, 2026 at 06:55 UTC.
| President, CEO & Vice Chairman | Jeffrey G. Ludwig (age 53) |
|---|---|
| Executive VP & CFO | Claire A. Stack (age 36) |
| Director of Human Resources | Shonna Kracinski |
Major Backers & Investors (MSBI)
Notable institutional backers of Midland States Bancorp, Inc. include American Century Companies Inc, Busey Bank, Hotchkis & Wiley Capital Management, LLC, according to Nexqual as of July 25, 2026 at 06:55 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 5.01% |
| Busey Bank | 3.66% |
| Hotchkis & Wiley Capital Management, LLC | 2.61% |
| Patriot Financial Partners Gp II, L.P. | 2.12% |
| AQR Capital Management, LLC | 1.91% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 18.59% |
| Vanguard Group | 8.61% |
| State Street | 4.58% |
| Dimensional Fund Advisors | 4.3% |
| Geode Capital | 2.58% |
Source: Nexqual, July 25, 2026 at 06:55 UTC.
From Midland States Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2026-03-02)
Key Strengths & Strategy (as disclosed to the SEC)
- The law clarified the inapplicability of certain Dodd-Frank Act reforms to community banking organizations, including relieving the Company of any requirement to engage in mandatory stress tests, maintain a risk committee or comply with the Volcker Rule's complicated prohibitions on proprietary trading and ownership of private funds.
- As an Illinois corporation, the Company is subject to the limitations of the Illinois Business Corporations Act, as amended, which allows us to pay dividends unless, after such dividend, (i) the Company would be insolvent; or (ii) the Company's net assets would be less than zero or less than the maximum amount payable at the time of distribution to shareholders having preferential rights in liquidation if it were then to be liquidated.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| CNOB | ConnectOne Bancorp, Inc. | USD 32.36 | ▼ 1.94% |
| FMBH | First Mid Bancshares, Inc. | USD 51 | ▲ 5.15% |
| EQBK | Equity Bancshares, Inc. | USD 50.3 | ▲ 0.68% |
| WTBA | West Bancorporation | USD 27.27 | ▲ 2.44% |
| UVSP | Univest Financial Corporation | USD 44.1 | ▲ 0.71% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:55 UTC. This page is informational and not investment advice.