Market Price

25.25 

-0.09 -0.4%

as of Jun 14 '19

52 Week Range:

19.56 36.06


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates through Banking, Commercial FHA Origination and Servicing, Wealth Management, and Other segments. The company accepts various deposits, such as checking, savings, money market, and sweep accounts, as well as certificates of deposit, noninterest-bearing and interest-bearing demand deposits, and time deposits. Its loan portfolio include commercial lending products consisting of owner occupied commercial real estate, commercial real estate investment, real estate construction, and multifamily loans, as well as loans to purchase farmland and finance agricultural production; business term loans, equipment financing, and lines of credit; consumer installment loans for purchase cars, boats, other recreational vehicles, and appliances, as well as other home improvement projects; and residential first and second mortgage loans, and home equity lines of credit. The company also originates residential mortgage loans; and commercial mortgage loans for multifamily and healthcare facilities. In addition, it provides trust and wealth management products and services, including financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. Further, the company offers commercial equipment leasing and merchant services. As of December 31, 2018, it operated 69 banking offices in 48 communities within its market areas, such as Illinois and the St. Louis metropolitan areas. The company was founded in 1881 and is headquartered in Effingham, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 20.78
23.41
24.90
growth rate 12.7% 6.4%
Earnings BIT 18.81
40.79
57.49
37.79
growth rate 116.9% 40.9% -34.3%
Avg.PE 11.94
15.81
22.13
23.04
growth rate 32.4% 40.0% 4.1%
ROA 1.44
0.61
0.12
0.87
1.03
0.42
0.78
growth rate -57.6% -55.7% 625.0% 18.4% -59.2% 85.7%
ROE 32.29
15.44
1.44
10.75
11.31
4.13
7.42
growth rate -52.2% -69.5% 646.5% 5.2% -63.5% 79.7%
Leverage 22.41
27.62
12.20
12.39
10.05
9.88
9.31
growth rate 23.3% -33.5% 1.6% -18.9% -1.7% -5.8%
Balance Sheet Dec '09 Dec '10 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 3.43
8.75
5.86
8.36
8.81
growth rate 155.5% -33.0% 42.6% 5.4%
Acct.Payable 2,150.63
2,367.65
2,404.37
3,131.09
4,074.17
growth rate 10.1% 1.6% 30.2% 30.1%
Cur.Assets 276.76
294.84
286.88
311.01
282.69
growth rate 6.5% -2.7% 8.4% -9.1%
Total Assets 2,676.61
2,884.82
3,233.72
4,412.70
5,637.67
growth rate 7.8% 12.1% 36.5% 27.8%
Cash 156.40
192.18
168.12
190.20
180.10
growth rate 22.9% -12.5% 13.1% -5.3%
Inventory 8.29
5.47
3.56
5.71
3.48
growth rate -34.0% -34.9% 60.3% -39.0%
Cur.Liabilities 2,291.67
2,476.29
2,536.97
3,298.75
4,203.26
growth rate 8.1% 2.5% 30.0% 27.4%
Liabilities 2,456.69
2,651.77
2,911.95
3,963.16
5,029.15
growth rate 7.9% 9.8% 36.1% 26.9%
LT Debt 108.29
138.92
329.43
628.74
782.56
growth rate 28.3% 137.1% 90.9% 24.5%
Equity 219.46
232.88
321.77
446.58
605.74
growth rate 6.1% 38.2% 38.8% 35.6%
Common Shares 15.00
15.00
15.00
15.00
15.00
14.00
18.00
24.00
growth rate 0.0% 0.0% 0.0% 0.0% -6.7% 28.6% 33.3%
Cash Flow Statement Dec '09 Dec '10 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.92
6.12
2.18
6.18
7.20
growth rate 109.4% -64.4% 183.7% 16.5%
Cash Dividends 7.77
7.69
9.85
14.19
20.31
growth rate -1.0% 28.1% 44.0% 43.1%
Cash From OA 21.50
73.32
24.13
70.45
97.06
growth rate 241.0% -67.1% 192.0% 37.8%
FCF per Share 1.93
3.00
2.99
growth rate 55.4% -0.3%
Sale Purchase of Stock 0.22
0.47
72.79
3.23
growth rate 118.6% 15,387.9% -95.6%
FCF 8.00
7.00
27.00
19.00
68.00
23.00
64.00
90.00
growth rate -12.5% 285.7% -29.6% 257.9% -66.2% 178.3% 40.6%
Income Statement Dec '09 Dec '10 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 83.24
153.71
173.72
177.71
241.49
growth rate 84.7% 13.0% 2.3% 35.9%
Op.Income 21.14
42.52
59.83
43.75
59.99
growth rate 101.2% 40.7% -26.9% 37.1%
IBT 15.47
35.42
50.43
26.47
50.81
growth rate 129.0% 42.4% -47.5% 91.9%
Net Income 10.82
24.32
31.54
16.06
39.42
growth rate 124.9% 29.7% -49.1% 145.5%
EPS 1.63
2.17
0.87
1.66
growth rate 33.1% -59.9% 90.8%
Gross Profit 83.24
153.71
173.72
177.71
241.49
growth rate 84.7% 13.0% 2.3% 35.9%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 7.39
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 7.91
4.57
5.08
8.81
5.07
growth rate -42.2% 11.2% 73.4% -42.5%
Acct.Payable 4,233.82
4,159.86
4,143.21
4,074.17
4,036.29
growth rate -1.8% -0.4% -1.7% -0.9%
Cur.Assets 394.81
350.19
313.87
282.69
323.10
growth rate -11.3% -10.4% -9.9% 14.3%
Total Assets 5,723.37
5,730.60
5,724.61
5,637.67
5,641.78
growth rate 0.1% -0.1% -1.5% 0.1%
Cash 331.18
276.33
242.43
180.10
276.48
growth rate -16.6% -12.3% -25.7% 53.5%
Inventory 5.06
3.91
3.68
3.48
2.02
growth rate -22.7% -5.8% -5.5% -42.0%
Cur.Liabilities 4,369.30
4,278.14
4,294.22
4,203.26
4,170.56
growth rate -2.1% 0.4% -2.1% -0.8%
Liabilities 5,137.99
5,138.07
5,130.47
5,029.15
5,017.61
growth rate 0.0% -0.2% -2.0% -0.2%
LT Debt 728.95
820.49
794.02
782.56
810.12
growth rate 12.6% -3.2% -1.4% 3.5%
Equity 582.46
589.66
591.32
605.74
621.44
growth rate 1.2% 0.3% 2.4% 2.6%
Common Shares 0.24
0.24
0.24
0.24
0.24
growth rate 0.4% 0.0% 0.4% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 1.37
2.71
1.72
1.39
1.28
growth rate 97.7% -36.6% -19.0% -8.0%
Cash Dividends 4.32
5.32
5.32
5.35
5.91
growth rate 23.0% 0.1% 0.5% 10.4%
Cash From OA 47.88
2.24
15.82
31.13
30.00
growth rate -95.3% 605.1% 96.8% -3.6%
Sale Purchase of Stock 0.48
growth rate
FCF 46.50
-0.47
14.10
29.73
28.72
growth rate -100.0% 100.0% 110.9% -3.4%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 52.92
62.88
61.28
64.81
59.46
growth rate 18.8% -2.6% 5.8% -8.3%
Op.Income 6.73
18.61
13.68
22.08
20.70
growth rate 176.6% -26.5% 61.5% -6.3%
IBT 3.18
15.83
10.93
20.86
18.34
growth rate 397.4% -30.9% 90.8% -12.1%
Net Income 1.81
12.78
8.50
16.34
13.98
growth rate 607.8% -33.5% 92.3% -14.4%
Gross Profit 52.92
62.88
61.28
64.81
59.46
growth rate 18.8% -2.6% 5.8% -8.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (66.07)

YOY Growth Grade:

D (49.81)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.76 11.89 8.85
EPS / Growth 0.0% 2.12 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 34.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 13.9% 13.9%
Future PE 0.00 16.50 16.50
Future EPS 2.12 7.83 7.83
Value Price
MOS %
0.00
-100.0%
31.92
26.4%
31.92
26.4%
MOS Price 0.00 15.96 15.96
IRT 11.89 6.88 6.88

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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