MSBIP — Stock Film
STOCK FILMSCENE 1/11MSBIP · $25.33
Stock Expert AI presents
MSBIP
Midland States Bancorp, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Midland States Bancorp, Inc. A quick introduction.

On the stock market since 2022, it operates in the world of money and finance. It has 861 employees. Now — the numbers.

on the stock market since 2022
861 employees
$700.5M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.3.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

WHERE DOES THE MONEY COME FROM?
44%Asset Management
Asset Management 44%Interchange Revenues 22%Nonsufficient Fund Fees 14%Other Deposit Account 9%Investment Advisory, Management and Administrative Service 4%Other 8%
44% of all revenue comes from a single line: Asset Management.

Revenue is spread across several business lines; no single line carries the company.

In the vault right now:
$0
DEBT: $380.2M
At this pace, that money lasts about 11.4 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

What executives did with their own stock over the last 12 months:
69 buy25 sell

Executives buying with their own money is usually read as confidence in the company’s future.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
70
strong

Clearly above the class average — a step short of the very top.

FINANCIAL STRENGTH
58
average

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
96
very strong

The price looks reasonable next to what the company earns.

GROWTH
6
very weak

Clearly below the class average.

PRICE MOMENTUM
46
weak

Clearly below the class average.

WORTH WATCHING

Growth: Sales growth trails the sector average.

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
The product is selling

Sales run at $467.6M a year. A small number, but proof the product has real buyers.

2
THE BRIGHT SIDE · 2/3
Executives are buying their own stock

Over the last 12 months, company executives reported 69 buys and 25 sells. Management buying with its own money is usually read as a good sign.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $1.94 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
Small sales, big loss

A loss of $124.3M against $467.6M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/3
Growth trails the sector

The growth engine is running at low revs right now. Report-card grade: 6/100.

3
THE RISKS · 3/3
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 46/100. For a turnaround signal, the stock first needs to close the gap with the market.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, MSBIP sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: MSBIP is a high-risk stock — not yet profitable, and its future rides on its product catching on.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film