Midland States BancorpMSBI +1.09%58 OCF Margin % is 21.33% as of Mar. 2026, which is 55% below its 10-year median of 47.32. GuruFocus rates MSBI with a GF Score™ of 58/100 and a GF Value™ of $19.01 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,500 Banks companies, Midland States Bancorp ranks better than 65.2% on this metric.
* 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.
For the Banks - Regional subindustry, Midland States Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Midland States Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Midland States Bancorp's OCF Margin % 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.
Midland States Bancorp (MSBI) has a OCF Margin % of 21.33% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Midland States Bancorp and its competitors. This is 55% below median its historical median of 47.32. Over the past decade, Midland States Bancorp's OCF Margin % has ranged from 13.76 to 201.56. According to the industry distribution chart, Midland States Bancorp ranks #522 out of 1500 companies in the Banks industry, placing it in the top 34.8%.
Is Midland States Bancorp's OCF Margin % too high?
Midland States Bancorp's current OCF Margin % of 21.33% is 55% below median its 10-year median of 47.32. Over the past 10 years, this metric has ranged from a low of 13.76 to a high of 201.56. The Banks industry median OCF Margin % is 29.44. Midland States Bancorp's value of 21.33% is 27.5% below this industry median. Based on the distribution chart, Midland States Bancorp ranks #522 out of 1500 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to BHB and RCBC?
According to the Banks industry distribution chart, Midland States Bancorp ranks #522 out of 1500 companies for OCF Margin %. This puts Midland States Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. Midland States Bancorp's value of 21.33% is 27.5% below this benchmark. Historically, Midland States Bancorp's own OCF Margin % has ranged from 13.76 to 201.56 over the past decade. While the company's 10-year median is 47.32 vs. the industry median of 29.44, Midland States Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Midland States Bancorp's current OCF Margin % of 21.33% is 27.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Midland States Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Midland States Bancorp's current OCF Margin % is 21.33%, which is 55% below median its own 10-year median of 47.32. 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 $19.01, compared to a current price of $30.51 — trading 60.5% above its estimated fair value. The current OCF Margin % is 21.33%, which is 55% below median its 10-year median of 47.32 and 27.5% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current OCF Margin % is 21.33% 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 60.5% above its estimated GF Value™ of $19.01.
GuruFocus considers Midland States Bancorp to be Significantly Overvalued.
Key valuation signals for MSBI:
OCF Margin %: 21.33% (55% below median its 10-year median of 47.32)
GF Value™: $19.01 vs. price of $30.51 (60.5% above fair value)
Industry Position: 27.5% below the Banks median (#522 of 1500)
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
Get the complete analysis for MSBI
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MSBI has been successfully added to your 
