Midland States Bancorp (NAS:MSBI) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Midland States Bancorp Effective Interest Rate on Debt % Related Terms
Midland States Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for Midland States Bancorp's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Midland States Bancorp Effective Interest Rate on Debt % Chart
MSBI vs AMBZ, NPB, BHB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Midland States Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Midland States Bancorp Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Midland States Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Midland States Bancorp's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 28.65% mean?
Midland States Bancorp (MSBI) has a Effective Interest Rate on Debt % of 28.65% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Midland States Bancorp and its competitors.
Is Midland States Bancorp's Effective Interest Rate on Debt % too high?
Midland States Bancorp's current Effective Interest Rate on Debt % is 28.65%. Overall, Midland States Bancorp has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Midland States Bancorp's Effective Interest Rate on Debt % compare to AMBZ and NPB?
Midland States Bancorp's Effective Interest Rate on Debt % of 28.65% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Midland States Bancorp and its competitors. Midland States Bancorp's current Effective Interest Rate on Debt % is 28.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Midland States Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Midland States Bancorp (MSBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.98, compared to a current price of $30.57 — trading 61.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 28.65%. Midland States Bancorp's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current Effective Interest Rate on Debt % is 28.65% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Midland States Bancorp (MSBI) Overvalued in 2026?
Based on GuruFocus' analysis, Midland States Bancorp stock appears to be overvalued.
The current stock price of $30.57 is trading 61.1% above its estimated GF Value™ of $18.98.
GuruFocus considers Midland States Bancorp to be Significantly Overvalued.
Key valuation signals for MSBI:
Effective Interest Rate on Debt %: 28.65%
GF Value™: $18.98 vs. price of $30.57 (61.1% above fair value)
No single metric tells the full story. See the MSBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Midland States Bancorp Inc is a diversified financial holding company. The company provides a full range of commercial and consumer banking products and services, business equipment financing, merchant credit card services, trust and investment management, and insurance and financial planning services. The Banking segment, which generates the majority of the revenue, provides financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage, and other consumer loan products; commercial equipment financing, etc. The Wealth Management segment consists of trust and fiduciary services, brokerage, and retirement planning services. The Corporate segment includes the holding company's financing and investment activities, administrative expenses.
56GF Score
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