MIDLAND STATES BANCORP INC
Midland States Bancorp, Inc. (MSBI) is a US regional bank holding company that operates through its commercial bank, offering lending, deposit and treasury services primarily to small and medium-sized businesses and local consumers. With a market capitalisation of around $357.19M, the company’s performance is tied to regional economic conditions, loan growth, credit quality and net interest margin. Investors should note exposure to interest-rate cycles, concentration risks in commercial lending and regulatory capital requirements. Potential positives include stable deposit franchises, fee income opportunities and cost-control measures, while downsides include loan-loss volatility and competitive pressures from larger banks and non-bank lenders. This summary is for educational purposes only: it is not personalised investment advice. Values can rise and fall, and past performance is not indicative of future results. Suitability depends on an investor’s objectives, time horizon and risk tolerance; consult a regulated adviser for tailored guidance.
Stock Performance Snapshot
Financial Health
Midland States Bancorp is performing well, showing strong cash flow and solid book value per share.
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Baskets Featuring MSBI
Bank M&A Activity Overview: Consolidation Wave
Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.
Published: October 10, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Earnings Drivers
Net interest margin and loan growth typically drive earnings, though margins can shift with interest rates and credit performance.
Local Economic Exposure
Performance often reflects regional economic trends; a concentrated loan book can amplify both opportunity and risk.
Capital & Credit
Capitalisation and asset-quality metrics matter for resilience; watch loan-loss provisions and regulatory ratios, though outcomes can vary.
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