MSBI – Dividend Returns, History & Calculator
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 through the Banking and Wealth Manageme
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Price Data
Dividend Data
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Total Returns
Fair Value
Financial Metrics
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.
Portfolio Growth Over Time
Data last updated: October 17, 2025 8:17 am
Year-by-Year Portfolio Growth (Realistic DRIP Scenario)
| Year | Start Balance | Start Shares | Share Price | Dividend / Share | Dividend Yield | Yield on Cost | Annual Dividend | Total Dividends | End Shares | End Balance |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $10,000 | 641 | $15.61 | $0.32 | 8.20% | 8.20% | $908 | $908 | 776 | $12,108 |
| 2 | $11,448 | 776 | $14.76 | $0.34 | 9.25% | 8.74% | $1,167 | $2,075 | 936 | $13,815 |
| 3 | $13,062 | 936 | $13.96 | $0.36 | 10.42% | 9.32% | $1,496 | $3,571 | 1,129 | $15,758 |
| 4 | $14,899 | 1,129 | $13.19 | $0.39 | 11.75% | 9.93% | $1,920 | $5,491 | 1,366 | $18,020 |
| 5 | $17,038 | 1,366 | $12.48 | $0.41 | 13.25% | 10.59% | $2,475 | $7,966 | 1,660 | $20,713 |
| 6 | $19,584 | 1,660 | $11.80 | $0.44 | 14.94% | 11.29% | $3,210 | $11,176 | 2,034 | $23,994 |
| 7 | $22,686 | 2,034 | $11.15 | $0.47 | 16.84% | 12.03% | $4,201 | $15,377 | 2,518 | $28,087 |
| 8 | $26,557 | 2,518 | $10.55 | $0.50 | 18.99% | 12.83% | $5,563 | $20,940 | 3,160 | $33,319 |
| 9 | $31,504 | 3,160 | $9.97 | $0.53 | 21.41% | 13.67% | $7,475 | $28,415 | 4,030 | $40,179 |
| 10 | $37,989 | 4,030 | $9.43 | $0.57 | 24.14% | 14.58% | $10,226 | $38,641 | 5,242 | $49,416 |
MSBI Dividend History
| Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/15/2025 | 08/15/2025 | $0.320 | 7.20% | 7.38% | $17.35 |
| 05/16/2025 | 05/16/2025 | $0.310 | 6.94% | 6.94% | $17.88 |
| 02/14/2025 | 02/14/2025 | $0.310 | 6.41% | 6.41% | $19.33 |
| 11/18/2024 | 11/18/2024 | $0.310 | 4.72% | 4.72% | $26.29 |
| 08/16/2024 | 08/16/2024 | $0.310 | 5.68% | 5.72% | $21.66 |
| 05/16/2024 | 05/16/2024 | $0.310 | 5.20% | 5.29% | $23.45 |
| 02/15/2024 | 02/15/2024 | $0.310 | 4.80% | 4.92% | $25.22 |
| 11/16/2023 | 11/16/2023 | $0.300 | 5.15% | 5.15% | $23.30 |
| 08/10/2023 | 08/10/2023 | $0.300 | 5.16% | 5.20% | $23.07 |
| 05/11/2023 | 05/11/2023 | $0.300 | 6.30% | 6.41% | $18.72 |
| 02/16/2023 | 02/16/2023 | $0.300 | 4.49% | 4.60% | $26.06 |
| 11/10/2022 | 11/10/2022 | $0.290 | 4.13% | 4.13% | $28.10 |
| 08/18/2022 | 08/18/2022 | $0.290 | 4.10% | 4.13% | $28.06 |
| 05/12/2022 | 05/12/2022 | $0.290 | 4.50% | 4.58% | $25.33 |
| 02/10/2022 | 02/10/2022 | $0.290 | 3.81% | 3.91% | $29.64 |
| 11/19/2021 | 11/19/2021 | $0.280 | 4.48% | 4.48% | $25.00 |
| 08/12/2021 | 08/12/2021 | $0.280 | 4.36% | 4.40% | $25.43 |
| 05/13/2021 | 05/13/2021 | $0.280 | 3.89% | 3.97% | $28.21 |
| 02/11/2021 | 02/11/2021 | $0.280 | 5.22% | 5.40% | $20.75 |
| 11/19/2020 | 11/19/2020 | $0.268 | 6.04% | 6.04% | $17.75 |
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 1.7% CAGR, representing modest long-term performance. The DRIP strategy provided 22% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.
Total Return with and without DRIP (MSBI)
Over the selected period, investing $10,000 in MSBI would grow to $19,101 with DRIP (91.0%), and $18,039 without DRIP (80.4%).
MSBI Dividend Reinvestment Snowball
Investing $10,000 + $100/mo in MSBI with historic price growth (-5.45%) and dividend growth (6.60%) produces dramatically different outcomes depending on whether you reinvest dividends.
After 20 Years
Your Investment: $34,000
Portfolio: $3,601,668
Annual Dividend: $3,253,245
Yield on Cost: 9,568.37%
Total Dividends: $3,904,458
Portfolio: $123,663
Total Dividends: $106,004
After 30 Years
Your Investment: $46,000
Portfolio: $2,294,500,168,169
Annual Dividend: $6,878,665,360,091
Yield on Cost: 14,953,620,348.02%
Total Dividends: $2,354,303,798,648
Portfolio: $443,537
Total Dividends: $424,288
Milestones on the way
By year 13, the compounding really starts to show. Your total dividends collected reach $108,982 against a total investment of $25,600. At this point, your portfolio is throwing off $42,728 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 $353,093, a powerful “income on autopilot” milestone.
After two decades, cumulative dividends total $3,904,458 versus $34,000 invested, nearly a 11,484% recovery of capital purely from income. Yield on cost reaches 9,568.37%.
At year 25, the income engine takes over. The portfolio’s annual dividend of $841,246,894 is greater than total contributions to date ($40,000), and cumulative dividends exceed $534,838,479.
By year 30, the DRIP snowball is in full force. Yearly income reaches $6,878,665,360,091, cumulative dividends total $2,354,303,798,648, and the DRIP portfolio value stands at $2,294,500,168,169, compared with $443,537 if dividends weren’t reinvested.
How we estimate these numbers
We use the latest calculator inputs for MSBI, price $15.61, dividend per period $0.32 (4×/year), along with historic growth assumptions: price growth -5.45% and dividend growth 6.60% 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:
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.
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 Payments & Yield
Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.
MSBI Dividend History
| Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/15/2025 | 08/15/2025 | $0.320 | 7.20% | 7.38% | $17.35 |
| 05/16/2025 | 05/16/2025 | $0.310 | 6.94% | 6.94% | $17.88 |
| 02/14/2025 | 02/14/2025 | $0.310 | 6.41% | 6.41% | $19.33 |
| 11/18/2024 | 11/18/2024 | $0.310 | 4.72% | 4.72% | $26.29 |
| 08/16/2024 | 08/16/2024 | $0.310 | 5.68% | 5.72% | $21.66 |
| 05/16/2024 | 05/16/2024 | $0.310 | 5.20% | 5.29% | $23.45 |
| 02/15/2024 | 02/15/2024 | $0.310 | 4.80% | 4.92% | $25.22 |
| 11/16/2023 | 11/16/2023 | $0.300 | 5.15% | 5.15% | $23.30 |
| 08/10/2023 | 08/10/2023 | $0.300 | 5.16% | 5.20% | $23.07 |
| 05/11/2023 | 05/11/2023 | $0.300 | 6.30% | 6.41% | $18.72 |
| 02/16/2023 | 02/16/2023 | $0.300 | 4.49% | 4.60% | $26.06 |
| 11/10/2022 | 11/10/2022 | $0.290 | 4.13% | 4.13% | $28.10 |
| 08/18/2022 | 08/18/2022 | $0.290 | 4.10% | 4.13% | $28.06 |
| 05/12/2022 | 05/12/2022 | $0.290 | 4.50% | 4.58% | $25.33 |
| 02/10/2022 | 02/10/2022 | $0.290 | 3.81% | 3.91% | $29.64 |
| 11/19/2021 | 11/19/2021 | $0.280 | 4.48% | 4.48% | $25.00 |
| 08/12/2021 | 08/12/2021 | $0.280 | 4.36% | 4.40% | $25.43 |
| 05/13/2021 | 05/13/2021 | $0.280 | 3.89% | 3.97% | $28.21 |
| 02/11/2021 | 02/11/2021 | $0.280 | 5.22% | 5.40% | $20.75 |
| 11/19/2020 | 11/19/2020 | $0.268 | 6.04% | 6.04% | $17.75 |
| 08/13/2020 | 08/13/2020 | $0.268 | 7.05% | 7.22% | $14.85 |
| 05/14/2020 | 05/14/2020 | $0.268 | 7.61% | 7.98% | $13.43 |
| 02/13/2020 | 02/13/2020 | $0.268 | 3.69% | 3.97% | $27.03 |
| 11/15/2019 | 11/15/2019 | $0.243 | 3.47% | 3.47% | $28.05 |
| 08/15/2019 | 08/15/2019 | $0.243 | 3.73% | 3.82% | $25.42 |
| 05/10/2019 | 05/10/2019 | $0.243 | 3.48% | 3.66% | $26.58 |
| 02/14/2019 | 02/14/2019 | $0.243 | 3.67% | 3.95% | $24.60 |
| 11/16/2018 | 11/16/2018 | $0.220 | 3.38% | 3.38% | $26.05 |
| 08/16/2018 | 08/16/2018 | $0.220 | 2.48% | 2.54% | $34.64 |
| 05/17/2018 | 05/17/2018 | $0.220 | 2.60% | 2.73% | $32.26 |
| 02/15/2018 | 02/15/2018 | $0.220 | 2.71% | 2.91% | $30.24 |
| 11/16/2017 | 11/16/2017 | $0.200 | 2.58% | 2.58% | $31.03 |
| 08/16/2017 | 08/16/2017 | $0.200 | 2.61% | 2.68% | $29.84 |
| 05/10/2017 | 05/10/2017 | $0.200 | 2.15% | 2.27% | $35.32 |
| 02/15/2017 | 02/15/2017 | $0.200 | 1.61% | 2.30% | $34.81 |
| 11/16/2016 | 11/16/2016 | $0.180 | 1.26% | 2.52% | $28.59 |
| 08/10/2016 | 08/10/2016 | $0.180 | 0.80% | 3.21% | $22.46 |
Dividend Payout Ratio
Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.
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.
Share Price
Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.
Price to Earnings
MSBI trades at a 35.8x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.
Price to Sales
MSBI trades at a 4.3x price-to-sales ratio, providing insight into market valuation relative to revenue generation.
Revenue
MSBI generated $0.1B in revenue. Revenue has grown by 18% over the period.
Net Income
MSBI reported $0.0B in net income. Net income has declined by 52% over the period.
Revenue vs Net Income
MSBI generated $0.1B in revenue with net income of $0.0B, representing a 11.9% 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 60% over the period.
Free Cash Flow / Share
MSBI generates $0.39 in free cash flow per share. FCF per share has declined by 60% over the period.
Earnings Per Share (EPS)
MSBI reported $0.45 in earnings per share. EPS has declined by 52% over the period.
Return on Equity (ROE)
MSBI delivered a 9.9% return on equity, indicating how effectively the company generates returns for shareholders.
Return on Assets (ROA)
MSBI achieved a 6.0% return on assets, measuring how efficiently the company uses its assets to generate profit.
Net Profit Margin
MSBI maintains a 11.9% net profit margin, showing the percentage of revenue retained as profit after all expenses.
Gross Profit Margin
MSBI operates with a 79.0% 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. Over the period, stock-based compensation has increased by 18%.
FCF vs Stock Based Comp
MSBI generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 25% of FCF.
FCF vs FCF / Share
MSBI reported $0.0B in free cash flow, translating to $0.39 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.
