Midland States BancorpMSBI +1.29%56 5-Year Yield-on-Cost % is 4.95 as of Jul. 13, 2026, which is 4% below its 10-year median of 5.18. GuruFocus rates MSBI with a GF Score™ of 56/100 and a GF Value™ of $18.98 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,258 Banks companies, Midland States Bancorp ranks better than 63.51% on this metric.
Midland States Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 4.95.
The historical rank and industry rank for Midland States Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
MSBI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.58 Med: 5.18 Max: 10.09
Current: 4.95
During the past 13 years, Midland States Bancorp's highest Yield on Cost was 10.09. The lowest was 0.58. And the median was 5.18.
MSBI's 5-Year Yield-on-Cost % is ranked better than 63.51% of 1258
companies
in the Banks industry
Industry Median: 3.89
vs MSBI: 4.95
Midland States Bancorp (NAS:MSBI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Midland States Bancorp 5-Year Yield-on-Cost % Related Terms
MSBI vs AMBZ, NPB, BHB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Midland States Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Midland States Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Midland States Bancorp's 5-Year Yield-on-Cost % falls into.
Midland States Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Midland States Bancorp (MSBI) has a 5-Year Yield-on-Cost % of 4.95 as of Jul. 13, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Midland States Bancorp and its competitors. This is near median its historical median of 5.18. Over the past decade, Midland States Bancorp's 5-Year Yield-on-Cost % has ranged from 0.58 to 10.09. According to the industry distribution chart, Midland States Bancorp ranks #459 out of 1258 companies in the Banks industry, placing it in the top 36.5%.
Is Midland States Bancorp's 5-Year Yield-on-Cost % too high?
Midland States Bancorp's current 5-Year Yield-on-Cost % of 4.95 is near median its 10-year median of 5.18. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 10.09. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Midland States Bancorp's value of 4.95 is 27.2% above this industry median. Based on the distribution chart, Midland States Bancorp ranks #459 out of 1258 companies in the Banks industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to AMBZ and NPB?
According to the Banks industry distribution chart, Midland States Bancorp ranks #459 out of 1258 companies for 5-Year Yield-on-Cost %. This puts Midland States Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Midland States Bancorp's value of 4.95 is 27.2% above this benchmark. Historically, Midland States Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.58 to 10.09 over the past decade. While the company's 10-year median is 5.18 vs. the industry median of 3.89, Midland States Bancorp has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,258 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Midland States Bancorp's current 5-Year Yield-on-Cost % of 4.95 is 27.2% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Midland States Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Midland States Bancorp's current 5-Year Yield-on-Cost % is 4.95, which is near median its own 10-year median of 5.18. 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 $18.98, compared to a current price of $30.57 — trading 61.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.95, which is near median its 10-year median of 5.18 and 27.2% above the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Midland States Bancorp (MSBI), the current 5-Year Yield-on-Cost % is 4.95 as of Jul. 13, 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 $30.57 is trading 61.1% above its estimated GF Value™ of $18.98.
GuruFocus considers Midland States Bancorp to be Significantly Overvalued.
Key valuation signals for MSBI:
5-Year Yield-on-Cost %: 4.95 (near median its 10-year median of 5.18)
GF Value™: $18.98 vs. price of $30.57 (61.1% above fair value)
Industry Position: 27.2% above the Banks median (#459 of 1258)
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.
56GF Score
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