ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Midland States Bancorp, Inc. ?
1
Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 10.26%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- DIVIDEND PER SHARE(HY) Highest at USD 0
- PRE-TAX PROFIT(Q) Highest at USD 25.78 MM
- NET PROFIT(Q) Highest at USD 19.47 MM
3
With ROA of 0.27%, it has a very attractive valuation with a 0.81 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 94.48%, its profits have fallen by -20.6%
- At the current price, the company has a high dividend yield of 153
4
Rising Promoter Confidence
- Promoters have increased their stake in the company by 2.12% over the previous quarter and currently hold 2.12% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Midland States Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Midland States Bancorp, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Midland States Bancorp, Inc.
94.48%
1.52
34.43%
S&P 500
22.36%
1.70
13.18%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.63%
EBIT Growth (5y)
1.23%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
82.78%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.81
EV to EBIT
23.80
EV to EBITDA
18.01
EV to Capital Employed
0.87
EV to Sales
1.85
PEG Ratio
NA
Dividend Yield
152.99%
ROCE (Latest)
3.65%
ROE (Latest)
5.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 25.78 MM
NET PROFIT(Q)
Highest at USD 19.47 MM
EPS(Q)
Highest at USD 0.82
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 119.36 MM
NET SALES(9M)
At USD 266.29 MM has Grown at -15.09%
CREDIT DEPOSIT RATIO(HY)
Lowest at 74.41%
Here's what is working for Midland States Bancorp, Inc.
Pre-Tax Profit
At USD 25.78 MM has Grown at 116.07%
over average net sales of the previous four periods of USD 11.93 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 19.47 MM has Grown at 122.68%
over average net sales of the previous four periods of USD 8.74 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Pre-Tax Profit
Highest at USD 25.78 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 19.47 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.82
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 13.97%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Midland States Bancorp, Inc.
Net Sales
At USD 266.29 MM has Grown at -15.09%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Operating Cash Flow
Lowest at USD 119.36 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 74.41%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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