Midland States Bancorp has the GF Score of 58, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Midland States Bancorp
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Midland States Bancorp (NAS:MSBI) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Midland States Bancorp GF Score Related Terms
MSBI vs AMBZ, NPB, BHB: GF Score Comparison
For the Banks - Regional subindustry, Midland States Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Midland States Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Midland States Bancorp's GF Score falls into.
Midland States Bancorp (MSBI) has a GF Score of 58 as of Jun. 30, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Midland States Bancorp and its competitors. This is 11% below median its historical median of 65.00. Over the past decade, Midland States Bancorp's GF Score has ranged from 20.00 to 82.00.
Is Midland States Bancorp's GF Score too high?
Midland States Bancorp's current GF Score of 58 is 11% below median its 10-year median of 65.00. Over the past 10 years, this metric has ranged from a low of 20.00 to a high of 82.00. 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 GF Score compare to AMBZ and NPB?
Midland States Bancorp's GF Score of 58 can be compared against companies in the Banks industry. Historically, Midland States Bancorp's own GF Score has ranged from 20.00 to 82.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Midland States Bancorp and its competitors. Midland States Bancorp's current GF Score is 58, which is 11% below median its own 10-year median of 65.00. 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 $30.90 — trading 62.5% above its estimated fair value. The current GF Score is 58, which is 11% below median its 10-year median of 65.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current GF Score is 58 as of Jun. 30, 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 $30.90 is trading 62.5% above its estimated GF Value™ of $19.02.
GuruFocus considers Midland States Bancorp to be Significantly Overvalued.
Key valuation signals for MSBI:
GF Score: 58 (11% below median its 10-year median of 65.00)
GF Value™: $19.02 vs. price of $30.90 (62.5% 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.
58GF Score
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