MSBI (Midland States Bancorp) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Midland States Bancorp LT-Debt-to-Total-Asset?

Midland States Bancorp MSBI -0.38% 58 LT-Debt-to-Total-Asset is 0.04 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Midland States Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Midland States Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.05) to Mar. 2026 (0.04). It may suggest that Midland States Bancorp is progressively becoming less dependent on debt to grow their business.

Midland States Bancorp (NAS:MSBI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Midland States Bancorp LT-Debt-to-Total-Asset Related Terms

Midland States Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Midland States Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Midland States Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.05

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.05	0.05	0.05	0.04

58GF Score

Midland States Bancorp Inc MSBI

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Midland States Bancorp LT-Debt-to-Total-Asset Calculation

Midland States Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	320.019	/	6513.42
	=	0.05

Midland States Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	265.024	/	6547.963
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Midland States Bancorp (MSBI) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Midland States Bancorp and its competitors.

Is Midland States Bancorp's LT-Debt-to-Total-Asset too high?

Midland States Bancorp's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset compare to AMBZ and NPB?

Midland States Bancorp's LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Midland States Bancorp and its competitors. Midland States Bancorp's current LT-Debt-to-Total-Asset is 0.04. 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 $31.15 — trading 63.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current LT-Debt-to-Total-Asset is 0.04 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 $31.15 is trading 63.8% above its estimated GF Value™ of $19.02. GuruFocus considers Midland States Bancorp to be Significantly Overvalued.

Key valuation signals for MSBI:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $19.02 vs. price of $31.15 (63.8% 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

Industry Financial Services Banks

Comparable Companies AMBZ NPB BHB ALPIB THVB NFBK BCAL RCBC PFIS NRIM SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 1201 Network Centre Drive, Effingham, IL, USA, 62401

Website https://www.midlandsb.com

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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$31.15

Price

$19.02

GF Value

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