MSBI

Midland States BancorpD

Nasdaq / Banks

At close

2026-07-21

Current thesis

Execution of the repurchase program and steady credit metrics (lower reserves, stable NPLs) combined with a smooth CFO/accounting transition could re-rate the stock toward premium regional multiples; catalysts include visible buyback acceleration or upward guidance revisions.

Posture

Defensive

Lead driver

Momentum

What changed

Next scheduled catalyst: earnings 2026-07-23 · AMC.

What can break

Capital-return program curtailed by regulators or weak capital metrics

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $23.83 · Bull $26.00 · Bear $18.50

Earnings

2026-07-23 · AMC

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-03-26 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $30.00

Why

Momentum76 · Δ7d -6.4

Value38 · Δ7d +0.0

Sentiment37 · Δ7d -1.6

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-6.4

Δ21d

-4.2

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.0

Δ21d

+0.0

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-1.6

Δ21d

-2.4

Why this grade

Composite grade D. Momentum 76.2 / Value 37.7 / Sentiment 36.8

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$652.78M

Beta

0.65

Shares Out

20.73M

P/E (TTM) · Derived

-5.1

P/S (TTM)

1.19

P/FCF (TTM)

3.21

Rev YoY

-7.7%

EPS YoY

-111.3%

Gross Margin

Op Margin

-29.2%

Net Debt

$314.09M

Current Ratio

0.03

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology