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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Cantaloupe, Inc.

Midland States Bancorp, Inc.

Cambridge Bancorp

Why is Midland States Bancorp, Inc. ?

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

Flat results in Mar 26

OPERATING CASH FLOW(Y) Lowest at USD 119.16 MM
NET PROFIT(9M) At USD 23.11 MM has Grown at -23.11%
NII(Q) Lowest at USD 57.42 MM

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?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Midland States Bancorp, Inc.

76.55%

1.08

34.57%

S&P 500

20.78%

1.56

13.28%

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)

1.23%

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

82.78%

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

0.81

EV to EBIT

23.80

EV to EBITDA

18.01

EV to Capital Employed

0.87

EV to Sales

1.85

PEG Ratio

Dividend Yield

152.99%

ROCE (Latest)

3.65%

ROE (Latest)

5.27%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Mildly Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Bullish

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

12What is working for the Company

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 25.84 MM

OPERATING PROFIT MARGIN(Q)

Highest at 30.04 %

PRE-TAX PROFIT(Q)

Highest at USD 24.11 MM

NET PROFIT(Q)

Highest at USD 18.06 MM

EPS(Q)

Highest at USD 0.74

-12What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 119.16 MM

NET PROFIT(9M)

At USD 23.11 MM has Grown at -23.11%

NII(Q)

Lowest at USD 57.42 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 79.68%

NET SALES(Q)

Lowest at USD 86.02 MM

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

Pre-Tax Profit

At USD 24.11 MM has Grown at 142.37%

over average net sales of the previous four periods of USD 9.95 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 18.06 MM has Grown at 142.46%

over average net sales of the previous four periods of USD 7.45 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 1.36%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Profit

Highest at USD 25.84 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 30.04 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 24.11 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 18.06 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.74

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Midland States Bancorp, Inc.

NII

Lowest at USD 57.42 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Operating Cash Flow

Lowest at USD 119.16 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 86.02 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Net Sales

At USD 86.02 MM has Fallen at -11.29%

over average net sales of the previous four periods of USD 96.97 MM

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Credit Deposit Ratio

Lowest at 79.68%

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 (%)