Profitability
Weight: 25%
D
34
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.5%
- Operating Margin Trend -12.90 pp/yr
MSBI
Midland States Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C
54
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 5.8%
- 5yr Share-Count CAGR -0.8%
Growth Quality
Weight: 10%
C-
49
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 5.6%
- 5yr EPS CAGR -28.2%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 3.44x
Balance Sheet
Weight: 30%
C-
49
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 8.7%
- Interest Coverage (EBIT/Int) -0.68x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.52
- Piotroski F-Score 8
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -24.7%
- New buys
- 0
- Full exits
- 1