Three independent discounted-cash-flow-style models value Midland States Bancorp, Inc. Common Stock every trading day. 1 of 3 currently price MSBI above its market price.
| Free Cash Flow model | $70.44 |
| Excess Profit model | $9.29 |
| Residual Earnings model | $-1.36 |
| Dividend Discount model | $35.55 |
| Piotroski F-Score | 3 / 9 |
| Return on invested capital | -22.0% |
| Net debt / EBITDA | — |
| Gross margin | +100.0% |
| Revenue CAGR | -1.2% |
| Cash conversion | — |
| Dividend yield | +3.9% |
| Buyback yield | -0.5% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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