MSBI – Dividend Returns, History & Calculator

Dividend Challenger 9 Years

Dividend Data

Div Yield 4.60%
5Y Avg Yield 5.46%
Current Div $0.320
Payouts/Year 4
Annualized $1.280
Previous Div $0.320
Ex-date May 15, 2026
Dividend Pay Date May 22, 2026

Price Data

Price $27.80
Price Change +0.05
Price Change % +0.18%
Next Earnings Report Jul 23, 2026
Low (52W) $14.24
High (52W) $28.80

Growth Rates

Chowder Number 7.8
DGR 1Y 3.2%
DGR 3Y 2.7%
DGR 5Y 3.2%

Total Returns

TTR 1Y - With Specials 83.6%
TTR 3Y - With Specials 20.7%
TTR 1Y - No Specials 83.6%
TTR 3Y - No Specials 20.7%

Fair Value

Fair Value (P/E 10) $24.90
FV (P/E 10) % 12.0%
Fair Value (Peter Lynch) $6.00
FV (Peter Lynch) % 363.0%
Fair Value (Blended) $44.95
FV (Blended) % -38.0%

Financial Metrics

Revenue 1Y 8.4%
NPM 8.0%
CF/Share $5.69
ROE 6.2%
Debt/Capital 37.0%
ROTC 3.4%
P/E 23.2x
P/BV 1.3x
PEG 1.41

Company Info

Symbol MSBI
Company Midland States Bancorp, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $576.3M
📊 Financial data last updated: June 1, 2026 1:04 pm

Calculate your MSBI Dividend Returns

Quickly and easily calculate MSBI dividend yield using our MSBI calculator. Adjust the fields below to see how your MSBI investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: June 2, 2026 3:48 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000364$27.49$0.324.66%4.66%$509$509426$11,709
2$11,935426$28.02$0.344.84%4.93%$625$1,134491$13,760
3$14,026491$28.56$0.365.03%5.22%$757$1,891560$15,983
4$16,292560$29.12$0.385.22%5.53%$908$2,798632$18,400
5$18,755632$29.68$0.405.43%5.86%$1,080$3,879709$21,036
6$21,442709$30.25$0.435.64%6.21%$1,278$5,157791$23,921
7$24,383791$30.84$0.455.86%6.58%$1,506$6,663878$27,089
8$27,613878$31.43$0.486.09%6.97%$1,767$8,430973$30,580
9$31,171973$32.04$0.516.33%7.38%$2,069$10,4991,075$34,440
10$35,1061,075$32.66$0.546.58%7.81%$2,417$12,9161,186$38,723

MSBI Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
05/15/202605/15/2026$0.3204.82%4.82%$26.55
02/13/202602/13/2026$0.3205.53%5.57%$22.97
11/14/202511/14/2025$0.3207.79%7.92%$16.17
08/15/202508/15/2025$0.3207.20%7.38%$17.35
05/16/202505/16/2025$0.3106.94%6.94%$17.88
02/14/202502/14/2025$0.3106.41%6.41%$19.33
11/18/202411/18/2024$0.3104.72%4.72%$26.29
08/16/202408/16/2024$0.3105.68%5.72%$21.66
05/16/202405/16/2024$0.3105.20%5.29%$23.45
02/15/202402/15/2024$0.3104.80%4.92%$25.22
11/16/202311/16/2023$0.3005.15%5.15%$23.30
08/10/202308/10/2023$0.3005.16%5.20%$23.07
05/11/202305/11/2023$0.3006.30%6.41%$18.72
02/16/202302/16/2023$0.3004.49%4.60%$26.06
11/10/202211/10/2022$0.2904.13%4.13%$28.10
08/18/202208/18/2022$0.2904.10%4.13%$28.06
05/12/202205/12/2022$0.2904.50%4.58%$25.33
02/10/202202/10/2022$0.2903.81%3.91%$29.64
11/19/202111/19/2021$0.2804.48%4.48%$25.00
08/12/202108/12/2021$0.2804.36%4.40%$25.43
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Invest in MSBI with Interactive Brokers

MSBI 10-yr Total Return ($10,000 invested)

This analysis of MSBI demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 6.6% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (MSBI)

Over the selected period, investing $10,000 in MSBI would grow to $32,808 with DRIP (228.1%), and $25,970 without DRIP (159.7%).

MSBI Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in MSBI with historic price growth (2.07%) and dividend growth (5.92%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $125,360

Annual Dividend: $12,078

Yield on Cost: 35.52%

Total Dividends: $71,704

No DRIP

Portfolio: $82,411

Total Dividends: $37,650

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $495,963

Annual Dividend: $69,205

Yield on Cost: 150.45%

Total Dividends: $376,779

No DRIP

Portfolio: $170,485

Total Dividends: $102,209

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $22,154 against a total investment of $25,600. At this point, your portfolio is throwing off $4,106 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $7,547, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $71,704 versus $34,000 invested, nearly a 211% recovery of capital purely from income. Yield on cost reaches 35.52%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $27,723 is greater than total contributions to date ($40,000), and cumulative dividends exceed $161,553.

By year 30, the DRIP snowball is in full force. Yearly income reaches $69,205, cumulative dividends total $376,779, and the DRIP portfolio value stands at $495,963, compared with $170,485 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for MSBI, price $27.87, dividend per period $0.32 (4x/year), along with historic growth assumptions: price growth 2.07% and dividend growth 5.92% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for MSBI

Based on past 10-year performance, here are MSBI growth metrics:

Share price CAGR of +2.55%
Dividend CAGR of +3.15%

Using MSBI CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

MSBI (DRIP)MSBI (No DRIP)
Current Price$27.86$27.86
Start Shares358.94358.94
Start Value$10,000$10,000
After 10 years:
Final Share Count570.57358.87
Dividends Payment$1.75$1.75
Annual Dividends$950$627
Yield on cost9.50%6.27%
Share Price$35.83$35.83
Total Dividends$6,864$5,470
Final Value$20,442$18,328

Estimated Future Value + Dividends – MSBI

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

MSBI Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
05/15/202605/15/2026$0.3204.82%4.82%$26.55
02/13/202602/13/2026$0.3205.53%5.57%$22.97
11/14/202511/14/2025$0.3207.79%7.92%$16.17
08/15/202508/15/2025$0.3207.20%7.38%$17.35
05/16/202505/16/2025$0.3106.94%6.94%$17.88
02/14/202502/14/2025$0.3106.41%6.41%$19.33
11/18/202411/18/2024$0.3104.72%4.72%$26.29
08/16/202408/16/2024$0.3105.68%5.72%$21.66
05/16/202405/16/2024$0.3105.20%5.29%$23.45
02/15/202402/15/2024$0.3104.80%4.92%$25.22
11/16/202311/16/2023$0.3005.15%5.15%$23.30
08/10/202308/10/2023$0.3005.16%5.20%$23.07
05/11/202305/11/2023$0.3006.30%6.41%$18.72
02/16/202302/16/2023$0.3004.49%4.60%$26.06
11/10/202211/10/2022$0.2904.13%4.13%$28.10
08/18/202208/18/2022$0.2904.10%4.13%$28.06
05/12/202205/12/2022$0.2904.50%4.58%$25.33
02/10/202202/10/2022$0.2903.81%3.91%$29.64
11/19/202111/19/2021$0.2804.48%4.48%$25.00
08/12/202108/12/2021$0.2804.36%4.40%$25.43
05/13/202105/13/2021$0.2803.89%3.97%$28.21
02/11/202102/11/2021$0.2805.22%5.40%$20.75
11/19/202011/19/2020$0.2686.04%6.04%$17.75
08/13/202008/13/2020$0.2687.05%7.22%$14.85
05/14/202005/14/2020$0.2687.61%7.98%$13.43
02/13/202002/13/2020$0.2683.69%3.97%$27.03
11/15/201911/15/2019$0.2433.47%3.47%$28.05
08/15/201908/15/2019$0.2433.73%3.82%$25.42
05/10/201905/10/2019$0.2433.48%3.66%$26.58
02/14/201902/14/2019$0.2433.67%3.95%$24.60
11/16/201811/16/2018$0.2203.38%3.38%$26.05
08/16/201808/16/2018$0.2202.48%2.54%$34.64
05/17/201805/17/2018$0.2202.60%2.73%$32.26
02/15/201802/15/2018$0.2202.71%2.91%$30.24
11/16/201711/16/2017$0.2002.58%2.58%$31.03
08/16/201708/16/2017$0.2002.61%2.68%$29.84
05/10/201705/10/2017$0.2002.15%2.27%$35.32
02/15/201702/15/2017$0.2001.61%2.30%$34.81
11/16/201611/16/2016$0.1801.26%2.52%$28.59
08/10/201608/10/2016$0.1800.80%3.21%$22.46
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter-over-quarter and year-over-year changes for additional context.

MSBI Price

Price to Earnings

MSBI trades at a 29.2x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

MSBI trades at a 5.9x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

MSBI generated $0.1B in revenue.

Net Income

MSBI reported $0.0B in net income. Net income has declined by 32% over the period.

Revenue vs Net Income

MSBI generated $0.1B in revenue with net income of $0.0B, representing a 20.4% net profit margin.

Gross Profit

MSBI achieved $0.1B in gross profit, showing revenue after direct production costs.

Operating Income

MSBI generated $0.0B in operating income, representing profit from core business operations.

EBITDA

MSBI generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

MSBI generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

MSBI generated $0.0B in free cash flow. Free cash flow has decreased by 36% over the period.

Free Cash Flow / Share

MSBI generates $0.77 in free cash flow per share. FCF per share has declined by 36% over the period.

Earnings Per Share (EPS)

MSBI reported $0.78 in earnings per share. EPS has declined by 32% over the period.

Return on Equity (ROE)

MSBI delivered a 17.0% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

MSBI achieved a 10.2% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

MSBI maintains a 20.4% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

MSBI operates with a 77.8% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

MSBI holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

MSBI has 0.0B shares outstanding.

Stock-Based Comp

MSBI reported $0.0B in stock-based compensation.

FCF vs Stock Based Comp

MSBI generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 13% of FCF.

FCF vs FCF / Share

MSBI reported $0.0B in free cash flow, translating to $0.77 per share.

Revenue: Actual + Estimates

This chart tracks MSBI revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks MSBI eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks MSBI net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks MSBI ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

About Midland States Bancorp, Inc.

Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates in Banking and Wealth Management segmen

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Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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