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Midland States Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US5977421057
USD
20.01
2.46 (14.02%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Business First Bancshares, Inc.
Mercantile Bank Corp.
Hanmi Financial Corp.
MetroCity Bankshares, Inc.
CrossFirst Bankshares, Inc.
Capital City Bank Group, Inc.
Cantaloupe, Inc.
Peapack-Gladstone Financial Corp.
Midland States Bancorp, Inc.
Cambridge Bancorp
Horizon Bancorp, Inc. (Indiana)
Why is Midland States Bancorp, Inc. ?
1
The company has declared Negative results for the last 6 consecutive quarters
  • NET PROFIT(HY) At USD 24.75 MM has Grown at -48.13%
  • CASH AND EQV(HY) Lowest at USD 277.17 MM
  • NET SALES(Q) Lowest at USD 97.92 MM
2
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 -40.57%, its profits have fallen by -119.3%
  • At the current price, the company has a high dividend yield of 372.4
3
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -40.57% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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.
-24.72%
-0.65
39.69%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
10.73%
EBIT Growth (5y)
12.30%
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
94.09%
Pledged Shares
0
Institutional Holding
78.13%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.49
EV to EBIT
-22.98
EV to EBITDA
-28.63
EV to Capital Employed
0.63
EV to Sales
1.56
PEG Ratio
NA
Dividend Yield
372.43%
ROCE (Latest)
-2.73%
ROE (Latest)
-1.73%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

5What is working for the Company
OPERATING CASH FLOW(Y)

Highest at USD 200.33 MM

GROSS NPA (%)

(Q

-11What is not working for the Company
NET PROFIT(HY)

At USD 24.75 MM has Grown at -48.13%

CASH AND EQV(HY)

Lowest at USD 277.17 MM

NET SALES(Q)

Lowest at USD 97.92 MM

Here's what is working for Midland States Bancorp, Inc.
Operating Cash Flow
Highest at USD 200.33 MM and Grown
In each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Non Performing Loans (%)
Lowest at 1.61%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

CASA
Highest at 12.07%
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.
Net Profit
At USD 24.75 MM has Grown at -48.13%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

Net Sales
Lowest at USD 97.92 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Net Sales
At USD 97.92 MM has Fallen at -8.41%
over average net sales of the previous four periods of USD 106.91 MM
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Cash and Eqv
Lowest at USD 277.17 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

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