Midland States Bancorp, Inc. (MSBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Midland States Bancorp, Inc.

Why is Midland States Bancorp, Inc. ?

With a fall in Interest of NAN%, the company declared Very Negative results in Dec 25

The company has declared negative results for the last 6 consecutive quarters
OPERATING CASH FLOW(Y) Lowest at USD 132.74 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 80.23%
NET SALES(Q) Lowest at USD 92.09 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 20.66%, its profits have fallen by -20.1%
At the current price, the company has a high dividend yield of 159.3

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Midland States Bancorp, Inc. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Midland States Bancorp, Inc.

20.61%

-0.02

36.42%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.63%

EBIT Growth (5y)

1.42%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

79.75%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.78

EV to EBIT

23.67

EV to EBITDA

18.79

EV to Capital Employed

0.85

EV to Sales

1.89

PEG Ratio

Dividend Yield

159.30%

ROCE (Latest)

3.60%

ROE (Latest)

5.30%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Mildly Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

-24What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 132.74 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 80.23%

NET SALES(Q)

Lowest at USD 92.09 MM

OPERATING PROFIT(Q)

Lowest at USD -3.25 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -3.53 %

PRE-TAX PROFIT(Q)

Lowest at USD -2.56 MM

NET PROFIT(Q)

Lowest at USD -2.2 MM

Here's what is working for Midland States Bancorp, Inc.

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 13.37%

in the last five periods

MOJO 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.

Pre-Tax Profit

At USD -2.56 MM has Fallen at -125.62%

over average net sales of the previous four periods of USD 10.01 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -2.2 MM has Fallen at -128.31%

over average net sales of the previous four periods of USD 7.79 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD 132.74 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 92.09 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Net Sales

At USD 92.09 MM has Fallen at -10.61%

over average net sales of the previous four periods of USD 103.02 MM

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD -3.25 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at -3.53 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -2.56 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -2.2 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Credit Deposit Ratio

Lowest at 80.23%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)