MSBI (Midland States Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


MSBI Midland States Bancorp Inc MSBI
56 GF Score
Price $30.28
GF Value $19.12
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Midland States Bancorp ROC (Joel Greenblatt) %?

Midland States Bancorp MSBI -0.51% 56 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates MSBI with a GF Score™ of 56/100 and a GF Value™ of $19.12 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 46 Banks companies, Midland States Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

MSBI
56GF Score
Midland States Bancorp Inc MSBI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Midland States Bancorp (MSBI) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Midland States Bancorp and its competitors. According to the industry distribution chart, Midland States Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is Midland States Bancorp's ROC (Joel Greenblatt) % too high?
Midland States Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Midland States Bancorp ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to AMBZ and NPB?
According to the Banks industry distribution chart, Midland States Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Midland States Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 69.14. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 69.14, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Midland States Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 69.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Midland States Bancorp's current ROC (Joel Greenblatt) % is %. 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 $19.12, compared to a current price of $30.28 — trading 58.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current ROC (Joel Greenblatt) % is % 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 $30.28 is trading 58.4% above its estimated GF Value™ of $19.12. GuruFocus considers Midland States Bancorp to be Significantly Overvalued.

Key valuation signals for MSBI:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $19.12 vs. price of $30.28 (58.4% above fair value)
  • GF Score™: 56/100 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.
56GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.28
Price
$19.12
GF Value