Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.51 | 8.46 | 9.27 | 7.34 | — | 17.85 | 9.62 | — | — | 7.56 | 5.34 | 6.83 | 36.26 | 12.52 | 5.79 | 6.23 | 5.12 | 5.67 | 6.20 | 7.84 | 6.08 |
| — | -52.6% | -3.7% | — | — | +136.1% | +80.1% | — | — | -39.6% | -7.7% | +9.7% | +608.4% | +121.0% | -6.6% | -20.6% | -15.7% | -21.2% | -17.0% | -8.4% | -51.0% | |
| P/S Ratio | 2.04 | 1.98 | 1.97 | 1.49 | 1.56 | 1.20 | 1.20 | 1.28 | 0.97 | 1.38 | 1.43 | 1.48 | 2.12 | 1.63 | 1.45 | 1.60 | 1.61 | 1.68 | 1.78 | 2.24 | 1.77 |
| — | +64.9% | +64.3% | +17.1% | +61.6% | -13.3% | -16.0% | -13.6% | -54.4% | -15.1% | -1.7% | -7.5% | +31.5% | -2.8% | -18.3% | -28.8% | -9.0% | -16.5% | -18.1% | -2.7% | +24.7% | |
| P/B Ratio | 1.23 | 1.28 | 1.15 | 0.85 | 0.82 | 0.64 | 0.66 | 0.66 | 0.74 | 0.59 | 0.63 | 0.69 | 0.76 | 0.59 | 0.57 | 0.62 | 0.79 | 0.71 | 0.84 | 1.00 | 0.84 |
| — | +99.4% | +74.9% | +28.7% | +9.9% | +8.2% | +5.1% | -4.5% | -2.0% | +0.4% | +10.1% | +11.4% | -3.8% | -17.3% | -32.6% | -37.9% | -6.3% | -15.9% | -8.1% | +1.5% | +27.8% | |
| P/FCF | 8.55 | 4.33 | 5.62 | 7.27 | — | 1.19 | 3.16 | 4.13 | 1.38 | 3.90 | 7.45 | 5.19 | 1.75 | 27.50 | 2.58 | 9.11 | 5.11 | 2.62 | 1.17 | 4.17 | 4.31 |
| — | +263.2% | +77.8% | +76.0% | — | -69.4% | -57.6% | -20.4% | -21.2% | -85.8% | +189.2% | -43.1% | -65.7% | +951.2% | +120.3% | +118.5% | +18.6% | +56.6% | -54.6% | +320.3% | +289.7% | |
| EV / EBITDA | 10.80 | 9.91 | 6.17 | 7.28 | — | 13.28 | 8.86 | — | 230.26 | 7.86 | 7.59 | 7.27 | 11.19 | 9.22 | 7.66 | 7.57 | 5.80 | 5.86 | 5.82 | 6.71 | 3.06 |
| — | -25.4% | -30.4% | — | — | +68.9% | +16.8% | — | +1957.2% | -14.7% | -0.9% | -3.9% | +92.9% | +57.4% | +31.6% | +12.8% | +89.4% | +24.1% | -35.9% | -2.7% | -83.2% | |
| EV / EBIT | — | 9.91 | 6.81 | 8.09 | — | 16.70 | 10.65 | — | — | 8.87 | 8.39 | 8.12 | 13.06 | 10.57 | 8.44 | 8.36 | 6.21 | 6.60 | 6.56 | 7.66 | 3.46 |
| — | -40.7% | -36.1% | — | — | +88.4% | +27.0% | — | — | -16.1% | -0.6% | -2.9% | +110.4% | +60.1% | +28.6% | +9.2% | +79.6% | +20.7% | -40.7% | -5.6% | -86.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 84.8% | 95.7% | 91.8% | 93.7% | 100.0% | 74.4% | 78.0% | 85.3% | 38.1% | 79.6% | 90.4% | 78.5% | 90.2% | 92.5% | 92.3% | 95.8% | 96.2% | 91.1% | 92.8% | 94.2% | 99.4% |
| — | +28.6% | +17.8% | +9.8% | +162.4% | -6.5% | -13.8% | +8.7% | -57.7% | -14.0% | -2.0% | -18.1% | -6.2% | +1.5% | -0.6% | +1.7% | -3.2% | -9.1% | -7.8% | -0.6% | +17.7% | |
| Operating Margin | -32.6% | 34.2% | 30.9% | 30.3% | -4.4% | 14.5% | 18.9% | -186.3% | -1.7% | 28.5% | 36.9% | 31.4% | 29.0% | 33.1% | 37.8% | 38.0% | 47.3% | 37.3% | 38.5% | 38.1% | 38.8% |
| — | +136.1% | +64.0% | +116.3% | -158.0% | -49.1% | -48.8% | -693.9% | -105.9% | -14.0% | -2.6% | -17.4% | -38.8% | -11.3% | -1.8% | -0.3% | +22.0% | +2.1% | +39.0% | +7.7% | +160.1% | |
| Net Margin | -39.3% | 26.5% | 23.9% | 23.2% | -3.9% | 9.7% | 15.2% | -190.6% | -0.8% | 23.3% | 29.8% | 24.5% | 19.9% | 16.5% | 28.3% | 28.9% | 35.4% | 29.9% | 28.9% | 28.9% | 29.3% |
| — | +174.4% | +56.5% | +112.2% | -400.0% | -58.5% | -48.8% | -879.1% | -103.9% | +41.6% | +5.2% | -15.2% | -43.9% | -44.9% | -2.0% | -0.0% | +20.9% | +6.4% | -1.3% | +5.8% | +153.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -19.5% | 4.1% | 3.5% | 3.3% | -0.5% | 1.3% | 2.1% | -22.0% | -0.1% | 2.5% | 3.3% | 2.9% | 1.8% | 1.5% | 2.8% | 2.8% | 4.4% | 3.4% | 3.4% | 3.2% | 3.5% |
| — | +217.3% | +67.8% | +114.9% | -260.0% | -48.8% | -35.6% | -867.8% | -107.7% | +72.2% | +17.4% | +0.9% | -58.8% | -56.7% | -18.6% | -10.5% | +25.5% | +14.3% | +9.0% | +7.5% | +160.8% | |
| ROA | -1.8% | 0.3% | 0.3% | 0.3% | -0.0% | 0.1% | 0.2% | -1.9% | -0.0% | 0.3% | 0.3% | 0.3% | 0.2% | 0.1% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +213.1% | +79.7% | +114.8% | -207.1% | -59.1% | -49.4% | -760.2% | -107.9% | +85.0% | +22.1% | +4.7% | -57.7% | -53.8% | -8.7% | -1.7% | +31.9% | +8.2% | -0.5% | +4.1% | +158.9% | |
| ROIC | -7.4% | 2.2% | 2.0% | 1.9% | -0.2% | 0.8% | 1.0% | -8.9% | -0.1% | 1.3% | 1.7% | 1.6% | 1.1% | 1.2% | 1.5% | 1.5% | 2.4% | 1.8% | 1.9% | 1.7% | 1.8% |
| — | +173.2% | +101.0% | +121.1% | -66.4% | -40.1% | -39.5% | -661.8% | -112.9% | +11.0% | +11.0% | +2.9% | -55.1% | -34.3% | -20.7% | -11.3% | +33.6% | +25.2% | +82.5% | +47.8% | +263.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.67 | 1.10 | 0.61 | 0.75 | 0.67 | 0.94 | 0.75 | 1.08 | 0.60 | 0.64 | 0.89 | 0.71 | 0.76 | 0.85 | 0.89 | 0.79 | 0.85 | 0.75 | 0.77 | 0.81 | 0.81 |
| — | +17.4% | -19.5% | -30.6% | +12.9% | +46.9% | -15.5% | +51.4% | -22.0% | -25.0% | +0.1% | -9.9% | -10.1% | +12.6% | +14.9% | -1.9% | +5.1% | -24.4% | -24.8% | -34.5% | -51.2% | |
| Debt / EBITDA | — | 19.87 | 12.12 | 15.60 | — | 38.43 | 24.15 | — | 465.11 | 18.53 | 19.88 | 17.35 | 25.25 | 24.70 | 21.74 | 19.35 | 13.72 | 16.84 | 14.96 | 16.63 | 15.55 |
| — | -48.3% | -49.8% | — | — | +107.4% | +21.5% | — | +1741.9% | -25.0% | -8.6% | -10.4% | +84.0% | +46.6% | +45.3% | +16.4% | -11.7% | -24.4% | -47.9% | -39.9% | -77.2% | |
| Current Ratio | 0.26 | 0.66 | 0.35 | 0.26 | 0.26 | 0.28 | 0.09 | 0.26 | 0.23 | 0.27 | 0.26 | 0.25 | 0.23 | 0.21 | 0.24 | 0.22 | 0.22 | 0.22 | 0.23 | 0.27 | 0.32 |
| — | +134.5% | +291.2% | +3.3% | +14.8% | +2.9% | -66.1% | +2.1% | -2.3% | +27.3% | +10.6% | +11.4% | +8.4% | -2.0% | +2.5% | -15.3% | -32.8% | -37.3% | -23.3% | -17.0% | +15.0% | |
| Quick Ratio | 0.26 | 0.66 | 0.35 | 0.26 | 0.26 | 0.28 | 0.09 | 0.26 | 0.23 | 0.27 | 0.26 | 0.25 | 0.23 | 0.21 | 0.24 | 0.22 | 0.22 | 0.22 | 0.23 | 0.27 | 0.32 |
| — | +134.5% | +291.2% | +3.3% | +14.8% | +2.9% | -66.1% | +2.1% | -2.3% | +27.3% | +10.6% | +11.4% | +8.4% | -2.0% | +2.5% | -15.3% | -32.8% | -37.3% | -23.3% | -17.0% | +15.0% | |
| Interest Coverage | -0.68 | 0.97 | 0.90 | 0.84 | -0.10 | 0.30 | 0.38 | -3.36 | -0.05 | 0.50 | 0.66 | 0.64 | 0.44 | 0.51 | 0.69 | 0.82 | 1.65 | 1.89 | 3.69 | 4.63 | 5.00 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying MSBI stock.
Midland States Bancorp, Inc.'s current P/E is 11.5x. The average P/E over the last 3 quarters is 8.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Midland States Bancorp, Inc.'s current operating margin is -32.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Midland States Bancorp, Inc.'s business trajectory between earnings reports.