What Is Midland States Bancorp, Inc. (MSBI) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Midland States Bancorp, Inc.'s intrinsic value is estimated at $61.47, suggesting a +99.8% average upside from the current price of $30.76. While 7 models see room for appreciation, model agreement is not unanimous as 4 models flag potential overvaluation. Model dispersion is worth noting: Bayesian DCF targets $159.61 (+418.9%), versus Sentiment SOTP at $19.57 (-36.4%). This +455.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About MSBI?
12 of 13 models are currently active for MSBI. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates MSBI's intrinsic value at $159.61, implying +418.9% upside from the current price. See which stocks rank higher →
How Does MSBI Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, MSBI ranks #104 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 places MSBI in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, Midland States Bancorp, Inc. competes in an environment where loan loss provisions often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is MSBI a Value Trap?
CirclFi's Value Trap algorithm assigns MSBI a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Midland States Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Midland States Bancorp, Inc. is rated at 8.0/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +455.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every MSBI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across MSBI's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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