What Is Midland States Bancorp, Inc. - (MSBIP) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Midland States Bancorp, Inc. - 's intrinsic value is estimated at a composite fair value of $55.74. While the stock appears modestly undervalued at $25.20 (implied upside of +121.2%), our analysis suggests a thinner margin of safety across 8 of 11 bullish models. Notably, Bayesian DCF sees the most upside at +376.0% (fair value: $119.93), while Markov DDM is the most conservative at -38.3% ($15.55). The spread between these extremes — +414.3% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About MSBIP?
11 of 13 models are currently active for MSBIP. Of these, 8 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates MSBIP's intrinsic value at $119.93, implying +376.0% upside from the current price. See which stocks rank higher →
How Does MSBIP Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, MSBIP ranks #117 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, Midland States Bancorp, Inc. - competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is MSBIP a Value Trap?
CirclFi's Value Trap algorithm assigns MSBIP 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
11 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 32-factor quality framework, Midland States Bancorp, Inc. - 's fundamental quality profile registers 7.9/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +414.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every MSBIP 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 MSBIP's 11 active models, average confidence is 44%. 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 →
Buy with Gumroad