MSBI (Midland States Bancorp) EPS (Basic): $1.18 (TTM As of Mar. 2026)


MSBI Midland States Bancorp Inc MSBI
58 GF Score
Price $30.51
GF Value $19.02
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Midland States Bancorp EPS (Basic)?

Midland States Bancorp MSBI +1.09% 58 EPS (Basic) is $1.18 as of Mar. 2026. GuruFocus rates MSBI with a GF Score™ of 58/100 and a GF Value™ of $19.02 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Midland States Bancorp's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.74. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.18.

Midland States Bancorp's EPS (Diluted) for the three months ended in Mar. 2026 was $0.74. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.18.

Midland States Bancorp's EPS without NRI for the three months ended in Mar. 2026 was $0.79. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 2.00.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Midland States Bancorp's highest 3-Year average EPS without NRI Growth Rate was 121.60% per year. The lowest was -16.90% per year. And the median was 15.45% per year.

Midland States Bancorp  (NAS:MSBI) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Midland States Bancorp EPS (Basic) Related Terms

Midland States Bancorp EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Midland States Bancorp's EPS (Basic) 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 EPS (Basic) Chart

Midland States Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.58 4.29 2.33 1.32 -6.12

Midland States Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -6.58 0.44 0.24 -0.24 0.74
MSBI
58GF Score
Midland States Bancorp Inc MSBI
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Midland States Bancorp EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Midland States Bancorp's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(-124.281-8.913)/21.833
=-6.10

Midland States Bancorp's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(18.463-2.228)/21.301
=0.76

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.18

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $1.18 mean?
Midland States Bancorp (MSBI) has a EPS (Basic) of $1.18 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Midland States Bancorp and its competitors.
Is Midland States Bancorp's EPS (Basic) too high?
Midland States Bancorp's current EPS (Basic) is $1.18. Overall, Midland States Bancorp has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Midland States Bancorp's EPS (Basic) compare to BHB and RCBC?
Midland States Bancorp's EPS (Basic) of $1.18 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Midland States Bancorp and its competitors. Midland States Bancorp's current EPS (Basic) is $1.18. 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 $19.02, compared to a current price of $30.51 — trading 60.4% above its estimated fair value. The current EPS (Basic) is $1.18. Midland States Bancorp's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current EPS (Basic) is $1.18 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 $30.51 is trading 60.4% above its estimated GF Value™ of $19.02. GuruFocus considers Midland States Bancorp to be Significantly Overvalued.

Key valuation signals for MSBI:

  • EPS (Basic): $1.18
  • GF Value™: $19.02 vs. price of $30.51 (60.4% above fair value)
  • GF Score™: 58/100 with 7 warning signs

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 Business Description

Address 1201 Network Centre Drive, Effingham, IL, USA, 62401
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.
58GF Score

Get the complete analysis for MSBI

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.51
Price
$19.02
GF Value