MSBI
Midland States Bancorp, Inc. Financial Services - Banks - Regional Investor Relations →
Midland States Bancorp, Inc. (MSBI) closed at $26.39 as of 2026-05-01, trading 32.7% above its 200-week moving average of $19.89. The stock moved further from the line this week, up from 25.9% last week. The 14-week RSI sits at 64, indicating neutral momentum.
Trading volume is running at 1.5x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.98 ratio) is neutral — neither side is clearly dominating.
Over the past 470 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 $549 million, MSBI is a small-cap stock. Return on equity stands at 6.2%. The stock trades at 1.2x book value.
Over the past 9 years, a hypothetical investment of $100 in MSBI would have grown to $114, compared to $343 for the S&P 500. MSBI has returned 1.5% annualized vs 14.7% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -24.7% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($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 -10.4% vs +38.4% 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.
Historical Touches
MSBI has crossed below its 200-week MA 10 times with an average 1-year return of +-1.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 2017 | Aug 2017 | 2 | 0.7% | +20.7% | +35.9% |
| Oct 2018 | Nov 2019 | 56 | 31.8% | -6.8% | +34.0% |
| Jan 2020 | Feb 2021 | 57 | 50.1% | -23.3% | +36.5% |
| Mar 2023 | Jul 2023 | 17 | 14.1% | +18.5% | +45.7% |
| Sep 2023 | Oct 2023 | 6 | 3.1% | +15.3% | +48.6% |
| Jun 2024 | Jun 2024 | 2 | 1.8% | -17.9% | +37.3% |
| Jul 2024 | Aug 2024 | 3 | 5.0% | -20.6% | +33.5% |
| Sep 2024 | Sep 2024 | 1 | 0.1% | -12.5% | +31.7% |
| Sep 2024 | Oct 2024 | 2 | 2.4% | -15.5% | +31.5% |
| Jan 2025 | Dec 2025 | 46 | 30.5% | +23.4% | +43.6% |
| Average | 19 | — | +-1.9% | — |
Frequently Asked Questions
Is MSBI below its 200-week moving average?
No. Midland States Bancorp, Inc. (MSBI) is currently 32.7% above its 200-week moving average of $19.89. It would need to fall to $19.89 to cross below the line.
What is MSBI's 200-week moving average price?
Midland States Bancorp, Inc.'s 200-week moving average is $19.89 as of 2026-05-01. 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 2026-05-01: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 64. Return on equity is 6.2%. Price-to-book is 1.2x. 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 years, $100 invested in MSBI would have grown to $114, compared to $343 for the S&P 500. That's 1.5% annualized vs 14.7% 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 481.00%.
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 2026-05-01