Midland States Bancorp, Inc. (MSBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$33.73+0.60%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · MSBI
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on disciplined loan growth in Community Bank and expanding Wealth Management business with solid momentum.
Stated as a priority in 2 of last 2 quarters. Community Bank loan portfolio grew by $68.8 million in 2026-Q1 and $6.3 million in 2026-Q2, while Wealth Management assets under administration increased from $4.47 billion to $4.78 billion over the same period. Management is delivering on disciplined growth in these segments.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Focused on disciplined growth across Community Bank and expanding wealth management business.”
“Growth in our Community Bank remains a key priority for 2026, with loan growth supported by strong client relationships.”
Maintain capital ratios above regulatory requirements and return capital via share repurchases and dividends.
Stated as a priority in 2 of last 2 quarters. Common equity Tier 1 capital ratio rose from 9.98% in 2026-Q1 to 10.39% in 2026-Q2, exceeding regulatory minimums. The company repurchased $7.8 million in 2026-Q1 and $2.7 million in 2026-Q2 of common stock, demonstrating ongoing capital return. Management is delivering on maintaining strong capital and shareholder returns.
“Capital position strengthened with common equity Tier 1 ratio at 10.39%, continuing share repurchases.”
“Common equity Tier 1 capital ratio increased to 9.98%, repurchased $7.8 million of common stock.”
Sustain or increase quarterly cash dividend to shareholders reflecting earnings and capital strength.
Stated or evidenced in 3 disclosures including 2026-Q2 and two dividend announcements in 2026. The quarterly dividend was maintained at $0.32 per share through mid-2026 and increased to $0.33 per share in August 2026, marking the 26th consecutive year of increases. This shows management is delivering on sustaining and modestly increasing dividends.
“Dividend per share was $0.32 in 2026-Q2.”
Continue to strengthen credit quality metrics and reduce risk in loan portfolios through runoff and charge-offs.
Stated as a priority in 2 of last 2 quarters. Nonperforming loans decreased from $65.5 million in 2025-Q4 to $58.8 million in 2026-Q1, then slightly increased to $60.9 million in 2026-Q2. Loans 30-89 days past due improved from $20.3 million in 2026-Q1 to $11.0 million in 2026-Q2. Management shows progress in improving credit quality and reducing portfolio risk with some fluctuations.
“Broader credit trends continued to improve, including reductions in past due and substandard loans.”
“Actions taken to strengthen credit quality and reduce portfolio risk; credit metrics continued to improve.”
Expand the authorized share repurchase program from $25 million to $45 million and extend expiration to year-end 2026.
Over the trailing year it converted -1.41x of net income into operating cash flow.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
27 material management or governance events in the past 24 months, led by legal/regulatory items. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.