Profitability
Weight: 25%
F
16
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 117.4%
- Efficiency Ratio Trend +0.13 pp/yr
MSBI
Midland States Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C-
46
- 5yr Avg ROE 3.3%
- 5yr Share-Count CAGR -1.3%
Growth Quality
Weight: 15%
B-
62
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 8.2%
- Efficiency Ratio Trend (growth quality check) +0.13 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.19
Balance Sheet
Weight: 20%
B
70
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 8.7%
Stability
Weight: 10%
D+
41
- EPS Volatility (σ/μ) 0.52
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2 +1
- Avg Δ position
- -28.0%
- New buys
- 0
- Full exits
- 0