Midland States Bancorp Inc. (MSBI) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, Midland States Bancorp Inc. (NASDAQ: MSBI) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $33.83 (-1.23% 1D, market cap $702.0M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, MSBI ranks #891 in composite RQD confidence.
Within the Financials sector (Major Banks), MSBI carries a Roarable D (48/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -22.0%. By comparison, CWBC (Community West Bancshares) holds a C- grade (59/100 RQD, P/E 18.6x, ROIC 9.3%, cap $708.1M) and BCAL (California BanCorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 10.9%, cap $689.3M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).
Per MSBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001466026), Midland States Bancorp Inc. generated $0 in revenue, -$124.3M in net income, and $120.3M in free cash flow against $6.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 94% of 52W Range • RSI-14 at 48.2 (NEUTRAL RANGE)
SEC XBRL FY 2025 (10-K): 3% FCF Margin ($120.3M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
While MSBI currently carries a cautious 48/100 (D) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($32.96) and Max Pain ($35.52) forces dealer call-delta covering toward $38.13.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Midland States Bancorp Inc. (MSBI) slipped -1.23% to $33.83, trading at 94% of its 52-week range ($14.52 – $35.1). Stretched risk/reward at current multiples (-22% return on capital) under elevated 10-year interest-rate pressure.
Stephens & Co. analyst Terry McEvoy maintains Midland States Bancorp (NASDAQ:MSBI) with a Equal-Weight and raises the price target from $34 to $36.
Piper Sandler analyst Nathan Race maintains Midland States Bancorp (NASDAQ:MSBI) with a Neutral and raises the price target from $35 to $37.
Midland States Bancorp just posted its Q3 2026 scorecard and the headline is simple. Earnings per share landed at about US$0.97 on roughly US$82.2 million of revenue, while the stock barely moved, slipping 0.06% to US$32
Although the revenue and EPS for Midland States Bancorp (MSBI) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street e
Midland States Bancorp (MSBI) delivered earnings and revenue surprises of +5.56% and +2.45%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(AP) — Midland States Bancorp, Inc. (MSBI) on Thursday reported third-quarter net income of $22.
Midland States Bancorp (NASDAQ:MSBI) reported quarterly earnings of $0.95 per share which beat the analyst consensus estimate of $0.88 by 7.95 percent. This is a 295.83 percent increase over earnings of $0.24 per share
Independent Bank (IBCP) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MSBI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MSBI. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Midland States Bancorp Inc. (MSBI) ranks #891 by composite RQD confidence (48/100, grade D) and #625 by equity capitalization ($702.0M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. PFIS currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with MSBI at 48/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| MSBI
ACTIVE
Midland States Bancorp Inc. | D | 48/100 | — | — | -22.0% | -1.23% | $702.0M | Benchmark Subject |
| CWBC Community West Bancshares | C- | 59/100 | 18.6x | — | 9.3% | +0.97% | $708.1M | /cwbc-vs-msbi → |
| BCAL California BanCorp | C | 65/100 | 10.9x | — | 10.9% | -0.46% | $689.3M | /bcal-vs-msbi → |
| PFIS Peoples Financial Services Corp. | C+ | 67/100 | 12.1x | — | 11.4% | +0.37% | $715.3M | /pfis-vs-msbi → |
| AROW Arrow Financial Corporation | C+ | 66/100 | 16.3x | — | 10.2% | +1.67% | $716.2M | /arow-vs-msbi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Midland States Bancorp Inc. (MSBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$124.3M, operating cash flow of $125.7M, and free cash flow of $120.3M (-29.1% YoY). On the balance sheet, MSBI closed FY2025 with $6.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | -$124.3M | $125.7M | $120.3M | $6.51B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $38.0M | $176.5M | $169.6M | $7.51B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $61.2M | $153.4M | $153.4M | — | — |
As of 2026-11-01, Midland States Bancorp Inc. (NASDAQ: MSBI) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $33.83 (-1.23% 1D, market cap $702.0M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, MSBI ranks #891 in composite RQD confidence.
Within the Financials sector (Major Banks), MSBI carries a Roarable D (48/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -22.0%. By comparison, CWBC (Community West Bancshares) holds a C- grade (59/100 RQD, P/E 18.6x, ROIC 9.3%, cap $708.1M) and BCAL (California BanCorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 10.9%, cap $689.3M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).
Per MSBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001466026), Midland States Bancorp Inc. generated $0 in revenue, -$124.3M in net income, and $120.3M in free cash flow against $6.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
MSBI last traded at $33.83 (-1.23% on volume of 167,454 shares), positioning the stock +2.64% above its 50-day simple moving average ($32.96) and +19.84% above its 200-day simple moving average ($28.23). Across its 52-week range of $14.52 to $35.10, MSBI sits at the 93.8% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($32.00 to $35.66).
Why MSBI Stock slipped -1.23% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-22% return on capital) under elevated 10-year interest-rate pressure.
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