Midland States Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Midland States Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 0 of 3. Less steady than 98% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 0/3Sales grew in 1 of the last 3 years; profit grew in 0 of 3.
Less steady than 98% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 24%
Sales fell 24% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-24% / -17%In 3 years sales changed by -24% while total assets changed by -17%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 82% of Financial Services companies in United States.
Tangible Net Worth Ratio
95%Of every $100 of net worth, $95 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 77% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Midland States Bancorp, Inc. owes $0.92 for every $1 it owns. Midland States Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
21.1Investors pay $21.1 for every $1 of Midland States Bancorp, Inc.'s yearly profit, higher than 77% of Financial Services companies in United States.
P/B ratio
1.20The share price is 1.20 times Midland States Bancorp, Inc.'s book value per share, lower than 57% of Financial Services companies in United States.
Market cap
$684 MThe total market value of all of Midland States Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 51% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$570 MWhat Midland States Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$27.45Net worth divided by the number of shares. The share price of $32.96 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
7.5%Midland States Bancorp, Inc. earned 7.5% on its shareholders' money over the last year, lower than 67% of Financial Services companies in United States.
Owes vs Owns
0.92×Midland States Bancorp, Inc. owes $0.92 for every $1 it owns (high), higher than 89% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
4.06%Midland States Bancorp, Inc. pays 4.06% of its share price as dividends a year, higher than 69% of dividend-paying Financial Services companies in United States.
Revenue growth
-18%Revenue fell 18% in the year to Dec 2025, and shrank 9% a year on average over 3 years.
Profit growth
LossMidland States Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-42.8%Midland States Bancorp, Inc. lost $43 for every $100 of revenue.
Questions
What is Midland States Bancorp, Inc.'s P/E ratio?
Investors pay $21.1 for every $1 of Midland States Bancorp, Inc.'s yearly profit, higher than 77% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Midland States Bancorp, Inc.: $684 M ÷ $570 M (30 Jun 2026) = 1.2.
What is Midland States Bancorp, Inc.'s return on equity?
Midland States Bancorp, Inc. earned 7.5% on its shareholders' money over the last year, lower than 67% of Financial Services companies in United States.
How much does Midland States Bancorp, Inc. owe compared with what it owns?
Midland States Bancorp, Inc. owes $0.92 for every $1 it owns (high), higher than 89% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Midland States Bancorp, Inc. pay a dividend?
Yes. Midland States Bancorp, Inc. pays 4.06% of its share price as dividends a year, higher than 69% of dividend-paying Financial Services companies in United States.
Is Midland States Bancorp, Inc.'s revenue growing?
Revenue fell 18% in the year to Dec 2025, and shrank 9% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.