Midland States Bancorp, Inc. cash flow to debt ratio of 33.06% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Midland States Bancorp, Inc.'s free cash flow has decreased 29.07% from $169.65M last year to $120.33M, signaling decreasing performance

Midland States Bancorp, Inc.'s debt to equity ratio is 0.61, which means that the company's assets are unhealthy financed, signaling financial risk.

Midland States Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.60 last year to 0.61 today, signaling weakened financials

Midland States Bancorp, Inc. has a net cash position, so leverage is healthy.

Midland States Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Midland States Bancorp, Inc.'s profit margin has increased (39.40%) in the last year from 6.97% to 9.71%, signaling increasing performance

Midland States Bancorp, Inc.'s short-term liabilities of $5.48B exceed its short-term assets of $1.44B, signaling financial risk

Midland States Bancorp, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Midland States Bancorp, Inc.'s return on equity of 7.55%, is lower than 15.00%, indicating bad performance

Midland States Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Midland States Bancorp, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Midland States Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Midland States Bancorp, Inc. has a free cash flow yield of 17.47%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Midland States Bancorp, Inc.'s yearly earnings has decreased 426.68% since last year from $38.04M to $-124.28M, signaling decreasing performance

Midland States Bancorp, Inc.'s yearly revenue has decreased 14.37% since last year from $546.05M to $467.59M, signaling decreasing performance

ROIC 4.43% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Midland States Bancorp, Inc.'s 3-year revenue CAGR of 2.32% is positive, indicating growing revenue over the past 3 years

Midland States Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Midland States Bancorp, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Midland States Bancorp, Inc. is overvalued relative to its fair value price of 6.93 based on Discounted Cash Flow model

Midland States Bancorp, Inc. has an earnings yield of 6.15%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Midland States Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Midland States Bancorp, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

Midland States Bancorp, Inc. is undervalued relative to its fair value price of 71.37 based on Earnings Fair Value model

Midland States Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Midland States Bancorp, Inc. has a price-to-book ratio of 1.23x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Midland States Bancorp, Inc. has a price-to-sales ratio of 1.58x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue