OakChart

Midland States Bancorp Inc

MSBIFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 11:03 AM ET

32.25-0.19 (-0.58%)
2026-11-11 17:04 CET
Market cap
674.83 USD m
Revenue, TTM
- USD m
Net income, TTM
48.22 USD m
Free cash flow, TTM
75.60 USD m
EPS diluted, TTM
2.27
P/E
14.20
Compare

Price

MSBI against its 20, 50 and 200-day averages
2050200beat
20.0025.0030.0035.00372K744KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26MSBIclose 32.2520-day 32.8450-day 32.92200-day 28.6132.2552w high

8.1% under the 52-week high of 35.10 on 5 Aug 2026. 52-week low 15.06 on 19 Nov 2025. Last 15 sessions, 12.4% high to low

Profile

MSBI
52-week range, 86% of the way up
15.0635.10

Midland States Bancorp, Inc. is a bank holding company, which engages in the provision of commercial and consumer banking products and services. It operates through the following segments: Banking, Wealth Management, and Corporate. The Banking segment offers financial products and services such as loans, mortgage loan sales and servicing, letters of credit, deposit products, merchant services, and corporate treasury management services. The Wealth Management segment consists of trust and fiduciary services, brokerage, and retirement planning services. The Corporate segment refers to the holding company financing and investment activities, administrative expenses, as well as the elimination of intercompany transactions. The company was founded in 1988 and is headquartered in Effingham, IL.

IndexRUT
Employees861
IPOMay 24, 2016
Beta0.63
ATR, 14d1.01
Rel volume0.49
Short float5.67%
Insider own8.91%
Inst own70.05%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap670.91M
Enterprise Value-
Income48.22M
Sales432.26M
Book/sh20.23
Cash/sh-
Dividend Est.1.29 (4.01%)
Dividend TTM1.29 (4.00%)
Dividend Ex-DateNov 13, 2026
Dividend Gr. 3/5Y2.79% 3.32%
Payout-
Employees861
IPOMay 24, 2016

Ratios

P/E14.20
Forward P/E9.25
PEG-
P/S1.55
P/B1.59
P/C-
P/FCF8.87
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.03
Debt/Eq1.11
LT Debt/Eq0.83
Option/ShortYes / Yes

Earnings

EPS (ttm)2.27
EPS next Y3.49
EPS next Q0.89
EPS this Y155.70%
EPS next Y1.93%
EPS next 5Y-
EPS past 3/5Y- -
Sales past 3/5Y6.14% 8.17%
EPS Y/Y TTM137.57%
Sales Y/Y TTM-21.18%
EPS Q/Q300.21%
Sales Q/Q-1.90%
EarningsOct 22 AMC
EPS/Sales Surpr.6.98% 2.83%

Ownership

Insider Own8.91%
Insider Trans-0.67%
Inst Own70.05%
Inst Trans0.90%
ROA0.83%
ROE10.24%
ROIC5.88%
Gross Margin-
Oper. Margin17.75%
Profit Margin11.15%
SMA20-1.79%
SMA50-2.02%
SMA20012.74%
Trades-

Technical

Shs Outstand20.80M
Shs Float18.95M
Short Float5.67%
Short Ratio6.77
Short Interest1.08M
52W High35.10 -8.12%
52W Low15.06 114.15%
Volatility4.85% 3.13%
ATR (14)1.01
RSI (14)45.30
Beta0.63
Rel Volume0.49
Avg Volume158.93K
Volume21,437

Performance

Perf Week-3.55%
Perf Month0.28%
Perf Quarter-4.10%
Perf Half Y20.93%
Perf YTD52.35%
Perf Year99.95%
Perf 3Y43.34%
Perf 5Y25.74%
Perf 10Y17.66%
Recom3.00
Target Price34.75
Prev Close32.44
Price32.25
Change %-0.58%

Analyst ratings

latest 6 of 6
DateActionAnalystRating changeTargetImplied
Sep 11, 2025ResumedSStephensEqual-Weight$21-34.9%
Sep 01, 2022InitiatedRRaymond JamesMkt Perform
Oct 13, 2021DowngradeSStephensOverweight → Equal-Weight$30 → $28-13.2%
Feb 10, 2021UpgradeSStephensEqual-Weight → Overweight$28-13.2%
Jul 13, 2020DowngradePPiper SandlerOverweight → Neutral$16.50 → $15.50-51.9%
Apr 09, 2020DowngradeSStephensOverweight → Equal-Weight

Peers

Mkt cap
TickerCompanyMkt cap
FMBHFirst Mid Bancshares Inc1.36B
HBTHBT Financial Inc1.35B
OSBCOld Second Bancorporation Inc1.24B
BUSEFirst Busey Corp2.32B
THFFFirst Financial Corp917.16M
QCRHQCR Holding Inc1.68B
BYByline Bancorp Inc1.73B
GABCGerman American Bancorp Inc1.87B
MBWMMercantile Bank Corp1.05B
CIVBCivista Bancshares Inc598.37M

Insider trading

latest 14 of 15
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Mooney Kyle OwenSVP - Chief Operating OfficerSep 08 '26Option Exercise28.432,40068,23216,010Sep 09 09:12 AM
Mooney Kyle OwenSVP - Chief Operating OfficerSep 08 '26Sale33.332,40079,99213,610Sep 09 09:12 AM
Mooney Kyle OwenSVP - Chief Operating OfficerAug 18 '26Sale33.1648916,21513,610Aug 18 01:56 PM
Mooney Kyle OwenSVP - Chief Operating OfficerAug 11 '26Option Exercise28.591,19834,25115,297Aug 17 05:40 PM
Mooney Kyle OwenSVP - Chief Operating OfficerAug 11 '26Sale33.511,19840,14514,099Aug 17 05:40 PM
Ludwig Jeffrey G.President & CEOJul 28 '26Option Exercise28.598,383239,670409,354Jul 29 05:08 PM
Ludwig Jeffrey G.President & CEOJul 28 '26Sale34.008,383285,023400,971Jul 29 05:08 PM
Jeffrey LudwigOfficerJul 28 '26Proposed Sale33.508,383280,830Jul 28 02:54 PM
Franklin TravisDirectorMay 05 '26Buy26.499,400248,9889,400May 06 04:29 PM
Eric T. LemkeFormer officerApr 28 '26Proposed Sale25.8414,893384,835Apr 28 07:44 PM
Mooney Kyle OwenSVP - Chief Operating OfficerJan 28 '26Sale22.672,80863,65714,207Jan 28 03:23 PM
Jameson Jeremy AndrewEVP - Chief Credit OfficerDec 03 '25Buy17.695,59899,02963,412Dec 04 12:43 PM
Smith Jeffrey C.DirectorDec 03 '25Buy17.695008,84534,109Dec 04 12:40 PM
Bingham Richard DeanDirectorDec 03 '25Buy17.565,00087,80027,700Dec 04 12:30 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B

News

latest 14 of 206
  • Midland States Bancorp, Inc. Announces Common Stock and Preferred Stock Dividends (GlobeNewswire)
  • Midland States Bancorp: Q3 Earnings Snapshot (Associated Press)
  • Midland States Bancorp, Inc. Announces 2026 Third Quarter Results (GlobeNewswire)
  • Midland States Bancorp, Inc. to Announce Third Quarter 2026 Financial Results on Thursday, October 22 (GlobeNewswire)
  • Midland States Bancorp Files Universal Shelf Registration Statement (GlobeNewswire)
  • Loading…
  • Midland States Bancorp, Inc. Increases Common Stock Cash Dividend to $0.33 Per Share and Declares Preferred Stock Dividend (GlobeNewswire)
  • Midland States Bancorp: Q2 Earnings Snapshot (Associated Press)
  • Midland States Bancorp, Inc. Announces 2026 Second Quarter Results (GlobeNewswire)
  • Midland States Bancorp, Inc. to Announce Second Quarter 2026 Financial Results on Thursday, July 23 (GlobeNewswire)
  • Midland States Bancorp, Inc. Appoints Claire Stack Chief Financial Officer (GlobeNewswire)
  • Midland States Bancorp, Inc. Increases Stock Repurchase Program to $45 Million (GlobeNewswire)
  • Midland States Bancorp, Inc. Announces Common Stock and Preferred Stock Dividends (GlobeNewswire)
  • Midland States Bancorp: Q1 Earnings Snapshot (Associated Press) +6.88%

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-220.9500.8880.95086.1483.775
2026Q22026-07-230.8200.7820.81883.7480.705
2026Q12026-04-230.7400.6120.74381.1075.575
2025Q42026-01-22-0.240-0.006-0.24285.7974.055
2025Q32025-10-300.2400.6400.23881.3379.025
2025Q22025-07-240.4400.6280.44282.5076.204
2025Q12025-04-300.5700.518-6.57676.1672.645
2024Q42025-01-23-2.5200.674-0.15275.8673.575
2024Q32024-10-240.7400.6400.73774.4673.075
2024Q22024-07-250.2000.7000.20372.8674.825
2024Q12024-04-250.5300.7180.52777.3274.915
2023Q42024-01-250.8400.7940.53180.5775.505
2023Q32023-10-260.7100.7700.71175.3175.565
2023Q22023-07-270.8600.8000.86177.9876.735
2023Q12023-04-270.8600.8200.85877.1877.625
2022Q42023-01-261.3001.0441.30480.1481.935

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.1501.3670.868189.02191.72
2018FY1.6201.6051.657252.97247.15
2019FY2.2602.3982.256268.63267.1
2020FY0.9501.2230.954272.78265.35
2021FY3.5703.4353.570283.91276.45
2022FY4.2303.9764.231310.87311.62
2023FY2.9703.2382.332311.03305.63
2024FY-1.0502.1561.318300.51297.74
2025FY-6.140-5.884-6.140325.77313.91
2026FY-3.420--334.7
2027FY-3.486--339.77
2028FY-3.638--348.37

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2853084.6483.9085.30
2026Q4S2026-10-2353084.7883.9085.30
2026Q4S2026-10-2250083.4381.8685.00
2026Q4S2026-10-0750083.4381.8685.00
2026Q4S2026-09-3053083.4381.8685.00
2026Q4S2026-09-2153083.4381.8685.00
2026Q4S2026-09-2053083.4781.8685.00
2026Q4S2026-07-2454083.4781.8685.00
2026Q4S2026-07-0851081.7380.9082.40
2026Q4S2026-07-0755081.7380.9082.40
2026Q4S2026-07-0255081.5580.4682.40
2026Q4S2026-04-2455081.5780.4682.40
2026Q4S2026-04-0850077.9976.7079.55
2026Q4S2026-04-0154077.9976.7079.55

Estimate history

EPS, annual0.8681.6572.2560.9543.574.2312.3321.318-6.1252.2718
Period201720182019202020212022202320242025TTM
EPS, quarterly0.737-0.152-6.5760.4420.238-0.2420.7430.8180.953
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual208.432296.7326.39305.845307.016378.796531.551559.3452.996432.26
Period201720182019202020212022202320242025TTM
Sales, quarterly124.173191.314117.118121.458118.50995.911108.144111.945116.258
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual19.12223.75224.4222.32522.05122.21521.55121.49421.1720.802
Period201720182019202020212022202320242025MRQ
Shares, quarterly21.39421.49421.50321.51521.54421.1720.81420.72620.802
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income359.31387.87426.13417.10301.75237.82244.89249.52223.37
Total Interest Expense120.89151.06189.78168.2856.0230.1445.7559.7043.28
Net Interest Income238.43236.80236.35248.82245.74207.68199.14189.81180.09
Loan Loss Provision27.1859.85120.3382.5620.133.3944.3616.989.43
Net Interest Income After Loan Loss Provision211.25176.96116.01166.26225.61204.28154.78172.83170.66
Non-Interest Income72.9465.13133.17114.4577.0469.2060.9676.8773.33
Non-Interest Expense207.48202.29194.43192.75172.81174.37170.87177.23193.19
Operating Income76.7139.7954.7687.96129.8499.1144.8672.4750.80
Unusual Expense0.68154.667.860.000.000.0012.850.000.00
Net Income Before Taxes76.03-114.8746.9087.96129.8499.1132.0172.4750.80
Income Taxes17.769.418.8626.8130.8117.809.4816.6911.38
Consolidated Net Income57.13-124.8137.5660.5197.9280.4922.2855.3139.16
Net Income From Continuing Operations57.13-124.8137.5660.5197.9280.4922.2855.3139.16
Net Income48.22-133.7328.6551.5994.7580.4922.2855.2639.02
EPS (Recurring)2.29-1.171.572.334.233.571.342.261.66
EPS (Basic, Before Extraordinaries)2.27-6.121.322.334.243.580.952.281.69
EPS (Diluted)2.27-6.121.322.334.233.570.952.261.66
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-1.14-0.53-0.48-0.65-1.10-0.82-0.26-0.48-0.26
Stock Option Compensation Expense2.422.302.391.971.751.411.591.730.26
Price To Earnings Ratio14.2814.2812.217.386.746.9418.6312.8213.81
Price To Sales Ratio1.571.020.951.151.571.821.362.171.77
Operating Margin17.758.789.7916.5534.2832.2814.6722.2017.12
Net Margin11.15-29.525.129.7125.0126.227.2816.9313.15
Shares Outstanding20.8021.1721.4921.5522.2122.0522.3324.4223.75
Market Capitalization674.83674.83522.20593.60589.62545.78401.57702.86529.57

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income93.0288.1886.0292.0998.4997.9299.36116.32
Total Interest Expense30.3028.5928.6133.3937.3839.2341.0645.90
Net Interest Income62.7259.5957.4258.7061.1258.7058.2970.42
Loan Loss Provision3.736.825.0011.6220.0017.3710.8584.53
Net Interest Income After Loan Loss Provision58.9952.7752.4147.0841.1141.3347.44-14.11
Non-Interest Income23.2423.7722.123.8220.0223.5317.7674.99
Non-Interest Expense52.8450.7650.4253.4649.8149.9949.0363.21
Operating Income29.3825.7824.11-2.5611.3114.8716.18-2.33
Unusual Expense0.000.000.000.680.000.00153.980.00
Net Income Before Taxes29.3825.7824.11-3.2511.3114.87-137.80-2.33
Income Taxes6.575.895.65-0.363.762.843.17-1.26
Consolidated Net Income22.6619.4718.06-3.077.4311.86-141.09-1.04
Net Income From Continuing Operations22.6619.4718.06-3.077.4311.86-141.09-1.04
Net Income20.4317.2415.84-5.295.209.63-143.32-3.27
EPS (Recurring)0.950.820.74-0.220.240.44-1.63-0.15
EPS (Basic, Before Extraordinaries)0.950.820.74-0.240.240.44-6.58-0.15
EPS (Diluted)0.950.820.74-0.240.240.44-6.58-0.15
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.15-0.42-0.40-0.18-0.12-0.16-0.120.03
Stock Option Compensation Expense0.640.460.740.580.510.750.620.70
Price To Earnings Ratio14.2826.38---12.75-12.21
Price To Sales Ratio1.571.511.071.020.680.680.670.94
Operating Margin25.2723.0322.30-2.679.5512.2413.81-1.22
Net Margin17.5715.4014.64-5.524.397.93-122.37-1.71
Shares Outstanding20.8020.7320.8121.1721.5421.5221.5021.49
Market Capitalization674.83645.53468.28456.25369.26370.67366.39522.20

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks127.28114.06134.21143.03673.30337.08392.69210.78214.52
Investments1,573.501,597.48970.75852.44997.48888.80721.46741.22542.47
Net Loans4,282.785,056.375,944.276,245.425,173.745,042.894,373.384,116.653,210.25
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.614.949.116.7312.0620.256.753.485.71
Net Property, Plant & Equipment85.1385.7182.8185.2979.2283.30105.2894.8476.16
Interest Receivables23.8225.3334.1320.3119.4723.5516.3516.5611.71
Deferred Tax Assets---22.4836.4642.4040.3338.6234.67
Other Intangible Assets420.29622.92625.12479.79488.55472.68471.11452.90339.85
Total Assets6,513.427,506.817,790.057,855.507,480.276,910.946,127.355,675.054,435.35
Total Deposits5,424.386,197.246,309.536,364.656,110.655,101.024,544.254,074.173,131.09
Total Debt441.37484.56664.33661.00586.151,078.69815.65906.79791.91
Long Term Debt254.38395.30463.46226.72507.17703.54726.91709.49490.86
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities---22.4850.0450.7351.6137.3722.65
Other Liabilities82.18114.15101.0848.7969.5959.1253.9248.1840.15
Total Liabilities5,947.926,795.967,074.937,096.936,816.436,289.555,465.435,066.523,985.80
Preferred Stock - Carrying Value110.55110.55110.55110.550.000.000.002.782.97
Common Equity454.95600.30604.57648.03663.84621.39661.91605.74446.57
Total Shareholders Equity565.50710.85715.11758.57663.84621.39661.91608.52449.55
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity565.50710.85715.11758.57663.84621.39661.91608.52449.55
Total Liabilities & Stockholders Equity6,513.427,506.817,790.057,855.507,480.276,910.946,127.355,675.054,435.35
Book Value Per Share21.4927.9328.0529.1730.1127.8327.1025.5023.35
Tangible Book Value Per Share20.7019.8319.7920.9421.6619.3118.6417.0017.31
Tier 1 Capital673.11685.93685.77734.75550.20494.04516.65468.21367.84
Tier 2 Capital90.06147.78181.11156.57181.98216.37255.93116.20111.07
Full-Time Employees8618969149689079041,1001,100840
Price to Book Ratio1.600.740.910.930.820.641.070.881.39
Return on Assets-1.780.490.771.281.120.340.940.770.42
Return on Equity-19.565.008.2113.7712.533.478.717.404.14
Return on Invested Capital-15.223.405.139.946.871.683.982.971.70
Current Ratio0.040.030.040.050.220.070.100.060.08

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations100.78135.50170.48157.55125.23102.56100.8196.6265.11
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-23.03-9.828.63-3.19-23.82-3.27-34.41-2.77-1.03
Cash from Operating Activities77.75125.68179.11154.36101.4199.2866.4093.8564.08
Capital Expenditures-2.15-5.35-6.90-57.33-3.47-3.27-2.59-5.54-7.20
Net Assets From Acquisitions0.000.000.000.000.00-2.710.000.000.00
Sale of Fixed Assets and Businesses0.220.000.040.1060.450.650.0069.9136.19
Purchase or Sale of Investments-602.05-264.35-287.59-131.3530.07-237.69-25.3474.6686.66
Purchase of Investments-1,110.68-809.21-777.49-652.68-192.86-470.05-269.86-200.31-76.35
Sale Or Maturity of Investments508.63544.86489.90521.34222.93232.36244.52274.98163.01
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources5.731.170.000.001.522.670.000.001.45
Cash from Investing Activities-86.90748.90134.15-75.80-963.54-243.34-879.6980.0226.32
Cash Dividends Paid-36.71-36.59-35.98-35.49-29.09-25.17-24.96-23.79-20.31
Change in Capital Stock-18.03-9.02-4.15-16.23111.63-9.44-37.10-0.862.28
Repurchase of Common Pref Stock-20.32-9.66-5.47-17.90-1.11-11.69-39.62-6.660.00
Sale of Common Pref Stock2.290.641.331.67112.742.252.525.792.28
Proceedsfrom Stock Options2.290.641.331.67112.742.252.525.792.28
Issuance or Reduction of Debt, Net-15.27-43.07-181.132.7175.34-492.23265.72-116.7594.18
Change in Long Term Debt-70.004.25-67.76184.16109.83-500.07278.79-74.55126.07
Issuance of Long Term Debt0.00328.00263.00215.003,540.00508.54734.07458.261,017.08
Reduction of Long Term Debt-70.00-323.75-330.76-30.84-3,430.17-1,008.61-455.27-532.81-891.01
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Cash from Financing Activities-57.39-861.54-333.55-104.13332.08482.79760.426.94-91.90
Net Change in Cash-66.5313.04-20.30-25.57-530.05338.73-52.87180.81-1.50
Free Cash Flow75.60120.33172.21145.6397.9496.5763.8188.3156.88
Preferred Dividends (Cash Flow)--8.91-8.91-8.91-3.170.000.00-0.19-0.33
Price to Free Cash Flow17.485.523.895.548.667.8310.7410.9914.38
Federal Home Loan Advances Increase (Decrease)-0.000.000.00-9.8620.25-12.09-1.58-5.64

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks99.06298.24113.02127.28165.67175.90
Investments1,961.281,700.971,637.051,573.501,432.311,435.54
Net Loans4,221.984,181.194,270.704,282.784,766.704,942.60
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment82.4482.9084.1785.1386.0086.24
Interest Receivables27.8523.6825.8823.8226.6725.05
Other Intangible Assets424.06413.29416.63420.29433.76442.15
Total Assets6,816.846,700.626,547.966,513.426,911.527,107.88
Total Deposits5,617.445,707.285,440.075,424.385,604.825,946.92
Total Debt592.18353.52479.47441.37608.24493.04
Long Term Debt440.32344.97324.68254.38401.13400.62
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities75.8670.1369.4782.18114.4594.21
Total Liabilities6,285.486,130.935,989.015,947.926,327.516,534.17
Preferred Stock - Carrying Value110.55110.55110.55110.55110.55110.55
Common Equity420.82459.14448.41454.95473.45463.16
Total Shareholders Equity531.37569.69558.95565.50584.00573.71
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity531.37569.69558.95565.50584.00573.71
Total Liabilities & Stockholders Equity6,816.846,700.626,547.966,513.426,911.527,107.88
Book Value Per Share20.2322.1521.5421.4921.9821.53
Tangible Book Value Per Share19.5221.4120.7720.7021.1620.68
Full-Time Employees4.03--861869880
Price to Book Ratio1.601.451.040.960.800.59
Return on Assets0.830.610.50-1.78-1.68-1.51
Return on Equity10.247.336.07-19.57-17.52-16.48
Return on Invested Capital2.332.132.04-0.370.751.22
Current Ratio0.030.070.030.040.040.04

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations28.0118.7023.6530.4255.3727.78
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital10.3610.78-6.68-37.4824.621.49
Cash from Operating Activities38.3729.4716.97-7.0679.9829.27
Capital Expenditures-0.51-0.28-0.62-0.74-1.37-1.39
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.030.000.200.000.000.00
Purchase or Sale of Investments-333.84-56.51-78.39-133.30-9.3127.18
Purchase of Investments-413.50-153.62-242.00-301.57-209.10-79.88
Sale Or Maturity of Investments79.6697.10163.60168.27199.80107.05
Other Uses0.000.000.000.000.000.00
Other Sources0.000.005.730.000.000.00
Cash from Investing Activities-378.8525.57-68.35334.73145.24228.25
Cash Dividends Paid-9.24-9.03-9.12-9.32-9.25-9.01
Preferred Dividends (Cash Flow)-2.23-2.23-2.23-2.23-2.23-2.23
Change in Capital Stock1.57-2.36-7.58-9.650.310.16
Repurchase of Common Pref Stock0.01-2.74-7.92-9.660.000.00
Sale of Common Pref Stock1.550.390.340.010.310.16
Proceedsfrom Stock Options1.550.390.340.010.310.16
Issuance or Reduction of Debt, Net238.85-125.7838.24-166.59115.36-184.57
Change in Long Term Debt-35.00-5.00-30.000.00-0.755.00
Issuance of Long Term Debt0.000.000.000.00125.00128.00
Reduction of Long Term Debt-35.00-5.00-30.000.00-125.75-123.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00---
Cash from Financing Activities141.34130.0437.23-366.01-235.67-182.94
Net Change in Cash-199.13185.09-14.15-38.34-10.4474.58
Free Cash Flow37.8629.2016.35-7.8078.6127.88
Price to Free Cash Flow17.488.246.075.521.862.42

Revenue breakdown

United States2024: 375.09M 2025: 324.98M
Banking2024: 355.59M 2025: 306.86M
Corporate2024: -9.15M 2025: -12.82M
Wealth Management2024: 28.65M 2025: 30.94M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.67%1.1M19.0M161.38K
2026-10-155.55%1.0M18.9M172.03K
2026-09-304.99%0.9M18.9M175.25K
2026-09-155.38%1.0M18.9M178.47K
2026-08-315.20%1.0M18.9M179.02K
2026-08-144.81%0.9M18.9M174.74K
2026-07-314.77%0.9M18.9M171.45K
2026-07-154.38%0.8M18.9M166.08K
2026-06-304.22%0.8M18.9M163.79K
2026-06-153.38%0.6M18.9M146.60K
2026-05-293.17%0.6M19.0M144.49K
2026-05-153.35%0.6M19.0M144.65K
2026-04-303.46%0.7M18.9M144.11K
2026-04-153.06%0.6M19.6M149.46K
2026-03-313.42%0.7M19.2M153.80K
2026-03-133.15%0.6M19.2M161.38K
2026-02-272.33%0.4M19.2M191.54K
2026-02-132.50%0.5M19.7M194.10K
2026-01-302.01%0.4M20.1M203.50K
2026-01-151.84%0.4M20.1M192.78K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.5013.6016.1014.904.1261.000.000.921-0.1350.007
call20.0011.1013.7012.363.5431.000.000.905-0.1290.009
call22.508.7010.900.002.6400.000.000.883-0.1200.010
call25.006.208.400.002.0990.000.000.854-0.1100.012
call30.001.403.202.700.9271.000.000.731-0.0790.017
call35.000.000.750.240.85628.000.000.299-0.0850.018
call40.000.000.750.003.2090.000.000.446-0.3430.021
call45.000.000.750.003.7490.000.000.410-0.3950.021
call50.000.000.750.004.1920.000.000.387-0.4340.020
put17.500.004.300.003.3460.000.00-0.078-0.1360.007
put20.000.000.950.002.7570.000.00-0.094-0.1300.009
put22.500.000.950.002.2310.000.00-0.116-0.1210.010
put25.000.000.750.001.6910.000.00-0.150-0.1090.012
put30.000.000.750.100.8283.000.00-0.277-0.0800.017
put35.002.304.102.171.1701.000.00-0.700-0.0850.018
put40.007.209.100.001.8180.000.00-0.797-0.1130.014
put45.0011.7014.200.002.3770.000.00-0.832-0.1310.013
put50.0016.7019.200.002.7850.000.00-0.852-0.1430.012

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-094Statement of changes in beneficial ownership of securities2026-11-07SEC
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-038-KCurrent report2026-11-02SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-10-31SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-10-31SEC
2026-10-2910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-10-19EFFECTEffectiveness filing by commission orderSEC
2026-10-06S-3Registration statement for specified transactions by certain issuers including face-amount certificate companiesSEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-09-094Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-18SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090079.99K1
2026-080056.36K2
2026-0700285.02K1
2026-060000
2026-05248.99K100
2026-040000
2026-030000
2026-020000
2026-010063.66K1
2025-12285.12K400
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.09%
DIMENSIONAL FUND ADVISORS LP4.37%
VANGUARD CAPITAL MANAGEMENT LLC4.09%
Busey Bank3.66%
STATE STREET CORP3.35%
LSV ASSET MANAGEMENT2.92%
ACADIAN ASSET MANAGEMENT LLC2.82%
GEODE CAPITAL MANAGEMENT, LLC2.73%
AMERICAN CENTURY COMPANIES INC2.72%
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC2.50%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.84%
Avantis U.S. Small Cap Value ETF2.56%
iShares Russell 2000 ETF2.46%
BlackRock Advantage Small Cap Core Fund1.57%
U.S. SMALL CAP VALUE PORTFOLIO1.22%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
ProShares Russell 2000 Dividend Growers ETF1.14%
Fidelity Small Cap Index Fund1.04%
iShares Russell 2000 Value ETF0.90%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF0.83%

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