MSBI (Midland States Bancorp) Tariff Resilience Score: 8/10 (As of Jul. 01, 2026)


MSBI Midland States Bancorp Inc MSBI
58 GF Score
Price $31.64
GF Value $19.06
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Midland States Bancorp Tariff Resilience Score?

Midland States Bancorp MSBI +1.61% 58 Tariff Resilience Score is 8 as of Jul. 01, 2026. GuruFocus rates MSBI with a GF Score™ of 58/100 and a GF Value™ of $19.06 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,607 Banks companies, Midland States Bancorp ranks better than 78.72% on this metric.

Midland States Bancorp has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Midland States Bancorp has Midland States Bancorp is a regional bank with limited international exposure. Its operations are primarily domestic, providing a buffer against tariff-related risks.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Midland States Bancorp might have Highly Resilient.

Midland States Bancorp  (NAS:MSBI) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Midland States Bancorp Tariff Resilience Score Related Terms

MSBI vs AMBZ, NPB, BHB: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Midland States Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Midland States Bancorp's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Midland States Bancorp's Tariff Resilience Score falls into.


MSBI
58GF Score
Midland States Bancorp Inc MSBI
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Midland States Bancorp (MSBI) has a Tariff Resilience Score of 8 as of Jul. 01, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Midland States Bancorp ranks #342 out of 1607 companies in the Banks industry, placing it in the top 21.3%.
Is Midland States Bancorp's Tariff Resilience Score too high?
Midland States Bancorp's current Tariff Resilience Score is 8. Based on the distribution chart, Midland States Bancorp ranks #342 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to AMBZ and NPB?
According to the Banks industry distribution chart, Midland States Bancorp ranks #342 out of 1607 companies for Tariff Resilience Score. This places Midland States Bancorp in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Midland States Bancorp's current Tariff Resilience Score is 8. 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 $19.06, compared to a current price of $31.64 — trading 66% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current Tariff Resilience Score is 8 as of Jul. 01, 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 $31.64 is trading 66% above its estimated GF Value™ of $19.06. GuruFocus considers Midland States Bancorp to be Significantly Overvalued.

Key valuation signals for MSBI:

  • Tariff Resilience Score: 8
  • GF Value™: $19.06 vs. price of $31.64 (66% 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

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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.64
Price
$19.06
GF Value