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MSBI
Volume: 111.03K
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MSBI Stock Forecast & Price Target

MSBI Analyst Ratings

Based on 4 analyst ratings
Hold
Strong Buy 0%
Buy 0%
Hold 100%
Sell 0%
Strong Sell 0%

Bulls say

Midland States Bancorp Inc. has demonstrated a resilient revenue growth of 1% quarter-over-quarter, with total loans increasing at an annualized rate of 8% in the fourth quarter of 2024, reflecting effective market strategies and talent acquisition. The company anticipates a slight improvement in net interest margin (NIM) to 3.27% by the fourth quarter of 2025, driven by higher yielding loan production, reduced funding costs, and upcoming loan repricings. Additionally, management forecasts an improvement in the efficiency ratio to 65% by the fourth quarter of 2025, supported by strong internal capital generation and a targeted CET1 ratio increase to between 9.25% and 9.50%, further solidifying a positive financial outlook.

Bears say

Midland States Bancorp has experienced a decline in both average loan balances, which fell by 2% quarter-over-quarter, and borrowings, which decreased by 17%, indicating potential challenges in loan demand and funding stability. The company reported a notable drop in pre-provision net revenue (PPNR) of 22% quarter-over-quarter, significantly missing expectations due to increased operating expenses that overshadowed gains from net interest income and core fee income. Furthermore, the tangible book value (TBV) decreased by 16%, coupled with a reduction in tangible common equity (TCE) by 89 basis points, reflecting deteriorating financial health and elevated non-performing assets (NPAs), thus contributing to a negative outlook on the stock.

MSBI has been analyzed by 4 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 0% recommend Buy, 100% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Midland States Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Midland States Bancorp (MSBI) Forecast

Analysts have given MSBI a Hold based on their latest research and market trends.

According to 4 analysts, MSBI has a Hold consensus rating as of Jul 12, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $22.25, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $22.25, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Midland States Bancorp (MSBI)

Volume: 111.03K

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