6HU0 Stock Financial Analysis - Midland States Bancorp, Inc.

Overview

Midland States Bancorp, Inc. is a United States-based financial services company primarily engaged in community banking. Headquartered in Effingham, Illinois, the company operates through a network of branches and has a significant presence in the Midwest. Midland States Bancorp, Inc. offers a diverse range of banking services, including personal and business banking solutions, commercial lending, wealth management, and mortgage origination services. Key projects have included strategic acquisitions to expand its geographic footprint and enhance its service offerings, notably the 2016 acquisition of Checkpoint Financial Services and multiple subsequent acquisitions that solidify its position in varied market segments. The company has also focused on digital transformation initiatives to enhance customer experience and operational efficiency.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 268.07 MM.
The operating income for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 79.48 MM.
The net income for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 44.23 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	268.07	79.48	44.23
2025-03-31	242.06	59.61	-125.59
2024-12-31	254.52	72.48	38.04
2024-09-30	268.80	71.87	54.30
2024-06-30	264.49	72.14	47.22
2024-03-31	280.29	92.69	62.05
2023-12-31	275.77	92.56	61.16
2023-09-30	300.43	138.81	87.62
2023-06-30	308.33	145.35	99.74
2023-03-31	307.99	146.31	100.05
2022-12-31	327.81	146.58	100.24
2022-09-30	291.12	134.14	89.26
2022-06-30	288.01	132.34	85.29
2022-03-31	286.06	125.79	83.53
2021-12-31	281.49	125.66	81.32
2021-09-30	263.42	101.59	66.54
2021-06-30	252.25	90.57	47.08
2021-03-31	240.32	82.87	39.53
2020-12-31	226.67	70.73	22.54
2020-09-30	232.14	69.59	27.00
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	-1.05	-1.05
2024-09-30	2.31	2.30
2024-06-30	1.98	1.98
2024-03-31	2.63	2.64
2023-12-31	2.97	2.97
2023-09-30	3.45	3.45
2023-06-30	4.07	4.07
2023-03-31	4.18	4.17
2022-12-31	4.24	4.23
2022-09-30	3.96	3.95
2022-06-30	3.78	3.76
2022-03-31	3.70	3.68
2021-12-31	3.58	3.57
2021-09-30	2.92	2.91
2021-06-30	2.05	2.05
2021-03-31	1.71	1.71
2020-12-31	0.95	0.95
2020-09-30	1.12	1.11
2020-06-30	1.62	1.61
2020-03-31	1.76	1.75

Cash Flow: Operations, Investing, Financing

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30
2025-03-31	158.17	149.26	-372.74
2024-12-31	176.55	136.71	-333.55
2024-09-30	180.44	127.91	-318.62
2024-06-30	153.69	158.83	-348.57
2024-03-31	180.42	50.53	-201.94
2023-12-31	153.36	-74.80	-104.13
2023-09-30	108.28	-341.76	52.43
2023-06-30	153.39	-773.33	510.52
2023-03-31	224.00	-886.53	468.58
2022-12-31	285.82	-1,137.64	332.08
2022-09-30	239.42	-1,294.28	705.40
2022-06-30	272.26	-1,136.27	709.03
2022-03-31	215.14	-934.15	420.05
2021-12-31	334.44	-478.50	482.79
2021-09-30	394.38	-454.89	261.96
2021-06-30	499.23	-527.37	-66.63
2021-03-31	602.92	-1,034.09	613.00
2020-12-31	499.15	-1,312.43	760.42
2020-09-30	498.41	-1,018.14	571.58
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is -0.00.
The roe for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 0.06.
The roic for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is -0.01.
The croic for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 0.00.
The ocroic for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 0.00.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	-0.00	0.06	-0.01	0.00	0.00
2025-03-31	-0.00	-0.02	-0.01	-0.01	0.14
2024-12-31	0.01	-0.02	0.04	-0.01	0.12
2024-09-30	0.01	0.08	0.03	-0.02	0.09
2024-06-30	0.01	0.09	0.04	0.02	0.11
2024-03-31	0.01	0.10	0.05	-0.02	0.10
2023-12-31	0.01	0.13	0.05	-0.11	0.05
2023-09-30	0.01	0.16	0.06	-0.07	0.08
2023-06-30	0.01	0.16	0.06	-0.07	0.08
2023-03-31	0.01	0.16	0.06	-0.13	0.14
2022-12-31	0.01	0.14	0.07	-0.26	0.18
2022-09-30	0.01	0.14	0.07	-0.26	0.18
2022-06-30	0.01	0.13	0.07	-0.13	0.23
2022-03-31	0.01	0.13	0.07	-0.24	0.17
2021-12-31	0.01	0.13	0.06	0.26	0.26
2021-09-30	0.01	0.11	0.05	0.14	0.28
2021-06-30	0.01	0.07	0.03	-0.07	0.35
2021-03-31	0.01	0.06	0.03	0.12	0.41
2020-12-31	0.00	0.03	0.01	-0.03	0.29
2020-09-30	0.00	0.04	0.02	0.03	0.43
2020-06-30	0.01	0.06	0.02	0.17	0.33
2020-03-31	0.01	0.07	0.03	0.12	0.07

Gross Margins

The gross margin for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is 1.00.
The net margin for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is -0.07.
The operating margin for Midland States Bancorp, Inc. - Preferred Stock as of 30 June 2025 is -0.03.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	-0.07	-0.03
2025-03-31	1.00	-0.08	-0.04
2024-12-31	1.00	0.23	0.33
2024-09-30	1.00	0.21	0.34
2024-06-30	1.00	0.25	0.39
2024-03-31	1.00	0.27	0.42
2023-12-31	1.00	0.31	0.46
2023-09-30	1.00	0.32	0.46
2023-06-30	1.00	0.32	0.46
2023-03-31	1.00	0.32	0.46
2022-12-31	1.00	0.31	0.45
2022-09-30	1.00	0.31	0.45
2022-06-30	1.00	0.30	0.45
2022-03-31	1.00	0.29	0.43
2021-12-31	1.00	0.29	0.43
2021-09-30	1.00	0.25	0.38
2021-06-30	1.00	0.19	0.36
2021-03-31	1.00	0.16	0.34
2020-12-31	1.00	0.10	0.30
2020-09-30	1.00	0.12	0.30
2020-06-30	1.00	0.17	0.31
2020-03-31	1.00	0.18	0.33

6HU0 Stock Financial Analysis - Midland States Bancorp, Inc. - Preferred Stock (DB) Stock