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Upturn AI SWOT - About
Midland States Bancorp Inc (MSBIP)
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Upturn Advisory Summary
03/27/2025: MSBIP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -4.79% | Avg. Invested days 76 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 18341 | Beta 0.69 | 52 Weeks Range 22.06 - 25.14 | Updated Date 04/2/2025 |
52 Weeks Range 22.06 - 25.14 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 8.13% | Basic EPS (TTM) - |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -7.89% | Operating Margin (TTM) 346.58% |
Management Effectiveness
Return on Assets (TTM) -0.17% | Return on Equity (TTM) -1.76% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 982233664 | Price to Sales(TTM) - |
Enterprise Value 982233664 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 20082082 |
Shares Outstanding - | Shares Floating 20082082 | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Midland States Bancorp Inc
Company Overview
History and Background
Midland States Bancorp, Inc. was founded in 1887 as Effingham Building Loan Association. It has grown through acquisitions and organic expansion to become a diversified financial services provider.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and cash management services to businesses.
- Wealth Management: Provides investment advisory, trust, and brokerage services to individuals and institutions.
- Residential Mortgage Lending: Originates and services residential mortgage loans.
- Warehouse Lending: Offers short-term financing solutions to mortgage originators.
Leadership and Structure
Leon J. Holschbach is the Chief Executive Officer. The company operates with a board of directors and various executive management teams overseeing each business segment.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (equipment, working capital). Market share data is not publicly available. Competitors: BOK Financial, First Midwest Bancorp.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data is not publicly available. Competitors: U.S. Bancorp, JPMorgan Chase.
- Wealth Management Services: Investment advisory, trust services, retirement planning. Revenue varies depending on market performance and client activity. Competitors: Northern Trust, BOK Financial.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory scrutiny, and interest rate volatility. Fintech companies are also disrupting traditional banking models.
Positioning
Midland States Bancorp is a regional bank focused on serving businesses and individuals in the Midwest. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services is substantial, encompassing all lending, deposit-taking, and investment management activities. Midland is positioned to capture market share through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong regional presence
- Experienced management team
- Solid credit quality
Weaknesses
- Smaller scale compared to national banks
- Geographic concentration in the Midwest
- Dependence on interest rate environment
- Limited brand recognition outside the Midwest
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased adoption of digital banking
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- BOKF
- FMB
- HBNC
Competitive Landscape
Midland States Bancorp competes with larger national banks and smaller regional banks. Its competitive advantages include local market knowledge and personalized service, which can be limited by larger competitors scale and resources.
Major Acquisitions
Sterling Bancorp, Inc.
- Year: 2017
- Acquisition Price (USD millions): 233.3
- Strategic Rationale: Expanded the company's presence in the Chicago metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Midland States Bancorp has grown organically and through acquisitions, expanding its footprint and product offerings.
Future Projections: Future growth is expected to come from continued expansion in existing markets, strategic acquisitions, and increased adoption of digital banking.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and improvements in customer service.
Summary
Midland States Bancorp is a regional bank with diversified revenue streams and a solid presence in the Midwest. Its growth is driven by organic expansion, acquisitions, and strategic initiatives. The bank faces competition from larger institutions and fintech companies, and is impacted by interest rate fluctuations and economic conditions. Solid credit quality and a experienced management team help to create an excellent foundation for future performance.
Similar Companies
BOKF
BOK Financial Corporation
BOKF
BOK Financial Corporation
FMB
First Trust Managed Municipal ETF
FMB
First Trust Managed Municipal ETF
HBNC
Horizon Bancorp
HBNC
Horizon Bancorp
MBWM
Mercantile Bank Corporation
MBWM
Mercantile Bank Corporation
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Industry reports
- Analyst estimates
- Company Press Releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Actual results may vary. All financial figures are examples to fit the requested structure and need to be updated with current data from resources such as the SEC.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Midland States Bancorp Inc
Exchange NASDAQ | Headquaters Effingham, IL, United States | ||
IPO Launch date 2022-08-18 | President, CEO & Vice Chairman Mr. Jeffrey G. Ludwig CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.midlandsb.com |
Full time employees - | Website https://www.midlandsb.com | ||
Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates through Banking, Wealth Management, and Other segments. The company provides a range of financial products and services to consumers and businesses, including commercial loans to finance agricultural equipment and production; and commercial real estate loans for owner occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, and assisted living facilities. In addition, it offers construction and land development loans, such as real estate investment properties and residential developments, and lesser extent loans; and residential real estate loans, which includes first and second mortgage loans, and home equity lines of credit consisting of loans secured by first or second mortgages on primarily owner occupied primary residences. The company also provides consumer installment loans for the purchase of cars, boats and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; and commercial equipment leasing programs for manufacturing, construction, transportation, and healthcare industries. Further, it offers merchant services; deposit products, including checking, time, savings, money market, and certificates of deposit, as well as sweep accounts; letters of credit; and trust and wealth management services, such as financial and estate planning, trustee and custodial, investment management, tax, insurance, and business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
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