MSBI

Midland States Bancorp, Inc. Financial Services - Banks - Regional Investor Relations →

NO
47.8% ABOVE
↓ Approaching Was 51.8% last week
-15% -10% -5% 0% 5% 10% 15%+
Buy Threshold $19.91
14-Week RSI 80
Rel. Volume (14w) This week's trading vs. the 14-week average 1.4x
Buyers vs. Sellers (14w) Are up-weeks or down-weeks getting more volume? 0.81

Midland States Bancorp, Inc. (MSBI) closed at $29.43 as of 2026-06-19, trading 47.8% above its 200-week moving average of $19.91. The stock is currently moving closer to the line, down from 51.8% last week. With a 14-week RSI of 80, MSBI is in overbought territory.

Trading volume is running at 1.4x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.81 ratio) is neutral — neither side is clearly dominating.

Over the past 477 weeks of data, MSBI has crossed below its 200-week moving average 10 times. On average, these episodes lasted 19 weeks. The average one-year return after crossing below was -1.9%, suggesting these dips have not historically been reliable buying opportunities for this stock.

With a market cap of $610 million, MSBI is a small-cap stock. Return on equity stands at 6.2%. The stock trades at 1.4x book value.

Over the past 9.2 years, a hypothetical investment of $100 in MSBI would have grown to $129, compared to $358 for the S&P 500. MSBI has returned 2.8% annualized vs 14.9% for the index, underperforming the broader market over this period.

Free cash flow has been declining at a -24.7% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.

Business Health

Annual financials — how the underlying business has performed over the past several years.

Cash Flow Free cash flow & net income ($M)

Revenue Annual revenue ($M) — business growth proxy

Total Debt Balance sheet debt ($M)

ROIC Return on invested capital (%)

FCF Yield Free cash flow / market cap (%) — Yartseva signal

Gross Margin Pricing power & competitive moat (%)

Shares Outstanding Buybacks vs dilution (millions)

Growth of $100: MSBI vs S&P 500

Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.

What Happens After MSBI Crosses Below the Line?

Across 10 historical episodes, buying MSBI when it crossed below its 200-week moving average produced an average return of -1.3% after 12 months (median +3.0%), compared to +19.9% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was -0.8% vs +38.8% for the index.

Each line shows $100 invested at the moment MSBI crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.

Bean Score Experimental

The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices MSBI would reach each dislocation threshold.

Current Bean Score -1.82σ
Current FCF Yield 19.25%
Baseline Yield 24.16%
Historical σ 1.48pp

Dislocation Price Levels

Prices where MSBI's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-23.

LevelσPriceSignal
Deep Value+2σ$22.06Unusually cheap — potential buy zone
Value+1σ$23.45Cheap vs. own history
Fair Value+0σ$25.03Historical mean behavior
Expensive-1σ$26.83Expensive vs. own history
Deep Expensive-2σ$28.92Unusually expensive — potential trim zone

Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end

Data depth: 2 quarterly baselines, 22 price observations — Limited history (4+ quarters preferred for reliability)

Signal Accuracy Collecting Data

The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"

11 / 13 weeks minimum

Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.

Dislocation Scores Experimental

Each score measures deviation from MSBI's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.

Yield Dislocation -1.10σ Dividend yield vs own 10-yr norm
Drawdown Score -2.41σ Distance from line vs own history
Sector-Relative -0.72σ Vs sector median this week
Buyback Acceleration +0.1pp YoY share change vs own 3-yr pace (− = accelerating)
Insider Intensity 80th TTM buys / market cap, percentile of buyers
FCF Yield vs History N/A Vs own recent annual mean
Earnings Quality Improving Accrual gap trend (-47.8pp of revenue)

Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.

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Historical Touches

MSBI has crossed below its 200-week MA 10 times with an average 1-year return of +-1.9% after recovery.

Crossed BelowRecoveredWeeksMax Depth1-Year ReturnReturn Since Touch
Aug 2017Aug 201720.7%+20.7%+53.4%
Oct 2018Nov 20195631.8%-6.8%+51.2%
Jan 2020Feb 20215750.1%-23.3%+54.0%
Mar 2023Jul 20231714.1%+18.5%+64.4%
Sep 2023Oct 202363.1%+15.3%+67.7%
Jun 2024Jun 202421.8%-17.9%+55.0%
Jul 2024Aug 202435.0%-20.6%+50.6%
Sep 2024Sep 202410.1%-12.5%+48.7%
Sep 2024Oct 202422.4%-15.5%+48.4%
Jan 2025Dec 20254630.5%+23.4%+62.1%
Average19+-1.9%

Frequently Asked Questions

Is MSBI below its 200-week moving average?

No. Midland States Bancorp, Inc. (MSBI) is currently 47.8% above its 200-week moving average of $19.91. It would need to fall to $19.91 to cross below the line.

What is MSBI's 200-week moving average price?

Midland States Bancorp, Inc.'s 200-week moving average is $19.91 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.

What happens when MSBI drops below its 200-week moving average?

MSBI has crossed below its 200-week moving average 10 times in our data. The average one-year return after these crossings was -1.9%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 19 weeks on average.

Is MSBI a good value right now?

Here's what our data says about MSBI as of 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 80 (overbought). Return on equity is 6.2%. Price-to-book is 1.4x. This is not a buy or sell recommendation — always do your own research.

How does MSBI compare to the S&P 500?

Over the past 9.2 years, $100 invested in MSBI would have grown to $129, compared to $358 for the S&P 500. That's 2.8% annualized vs 14.9% for the index. MSBI has underperformed the broader market over this period.

Does MSBI pay a dividend?

Yes. Midland States Bancorp, Inc. currently pays a dividend yield of 432.00%.

Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.

Data as of week of 2026-06-19