MARKET WIREYahoo Finance • 1d ago
Why Midland States Bancorp (MSBI) is a Top Dividend Stock for Your PortfolioYahoo Finance report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
Why MSBI Stock advanced +1.62% Today — RQD Quant Desk Flash
$33.34 +1.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $33.37
Midland States Bancorp Inc. (MSBI) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D+ • SELL / AVOID
Cap $682.5M
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Is MSBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Midland States Bancorp Inc. (NASDAQ: MSBI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $33.34 (+1.62% 1D, market cap $682.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, MSBI ranks #554 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does MSBI compare to RRBI and CBNK in the Financials sector?
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Within the Financials sector (Major Banks), MSBI carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -22.0%. By comparison, RRBI (Red River Bancshares Inc.) holds a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M) and CBNK (Capital Bancorp Inc.) posts a B grade (74/100 RQD, P/E 12.0x, ROIC 14.2%, cap $679.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for MSBI?
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Per MSBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001466026), Midland States Bancorp Inc. generated $2.74B in revenue (-13.2% YoY), -$124.3M in net income, and $120.3M in free cash flow against $6.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $33.37 (+0.10%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 4.4% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D+
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MSBI)Realized 20D OHLCV Swing Band: ±5.6%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY MSBI SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (24% of score)
FRED Regime × Technicals: 91% of 52W Range • RSI-14 at 48.2 (NEUTRAL RANGE)
▲ #2 Bullish Driver: Whale & Options Positioning+11/20 pts (20% of score)
20D Institutional Volume Accumulation (±5.6% realized swing band)
▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)
Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$32.16+1.2% Next Q
46
Q2 (-2Q)Grade D$32.56+5.2% Next Q
49
Q3 (-1Q)Grade C-$34.24-2.6% Next Q
51
CurrentGrade D+$33.34-0.7% Hist 90D α
54
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a MSBI Turnaround Squeeze
While MSBI currently carries a cautious 54/100 (D+) rating due to Insider Conviction & Share Dilution (10/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($32.98) and Max Pain ($35.01) forces dealer call-delta covering toward $38.63.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $MSBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MSBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why MSBI Stock advanced +1.62% Today — RQD Quant Desk Flash
Midland States Bancorp Inc. (MSBI) advanced +1.62% to $33.34, trading at 91% of its 52-week range ($14.52 – $35.1). Stretched risk/reward at current multiples (-22% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 91% of its 52-week range ($14.52 – $35.1) with RSI-14 at 48.2 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.6% around $33.34 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $120.3M annual free cash flow.
Live MSBI Headlines & Catalysts
MARKET WIREwww.debelegger.nl • 1d ago
Midland States Bancorp (MSBI) Stock Price, Chart & Analysiswww.debelegger.nl report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Midland States Bancorp (MSBI) Q3 Earnings and Revenues Top EstimatesYahoo Finance report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
CATALYSTInvesting.com • 1d ago
Stephens raises Midland States Bancorp stock price target on credit qualityInvesting.com report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIREThe Globe and Mail • 1d ago
Midland States Bancorp Highlights Strong Q3 Earnings MomentumThe Globe and Mail report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 1d ago
Midland States Bancorp (MSBI) Stock Faces Questions After Strong Q3 EarningsSimply Wall St report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
RISK WATCHStock Titan • 1d ago
Profit rose at Midland States Bancorp (MSBI) as quarterly credit-loss provisions fell to $3.74M.Stock Titan report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
CATALYSTMarketBeat • 1d ago
Midland States Bancorp (NASDAQ:MSBI) Releases Earnings Results, Beats Estimates By $0.06 EPSMarketBeat report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo • 18h ago
Midland States Bancorp, Inc. Announces Common Stock and Preferred Stock DividendsEFFINGHAM, Ill., Nov. 02, 2026 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (Nasdaq: MSBI) announced today that its Board of Directors declared a quarterly cash dividend of $0.33 per share of its common stock. The di
CATALYSTBenzinga • 7d ago
Stephens & Co. Maintains Equal-Weight on Midland States Bancorp, Raises Price Target to $36Stephens & Co. analyst Terry McEvoy maintains Midland States Bancorp (NASDAQ:MSBI) with a Equal-Weight and raises the price target from $34 to $36.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MSBI)
- ✓Walkthrough of MSBI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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MSBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +28.38%📐 HORIZONTAL RANGE
2026-11-03O $33.83H $33.83L $32.81C $33.34VOL 132.2K
RES: $35.09SUP: $30.91SMA50: $32.98SMA200: $28.34
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
MSBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth
vs. -13.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
No active Ellis Vennor swing setup published on MSBI today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for MSBI. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MSBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MSBI)
Financials Rank #554 of 1097
⚔️ RRBI vs MSBI Full Matrix →
1. Head-to-Head Financials Peer Comparison (MSBI vs. RRBI, CBNK, BHB, BCAL)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Midland States Bancorp Inc. (MSBI) ranks #554 by composite RQD confidence (54/100, grade D+) and #629 by equity capitalization ($682.5M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with MSBI at 54/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| MSBI
ACTIVE
Midland States Bancorp Inc. | D+ | 54/100 | — | — | -22.0% | +1.62% | $682.5M | Benchmark Subject |
| RRBI Red River Bancshares Inc. | B- | 70/100 | 15.7x | — | 11.7% | +4.32% | $680.2M | /rrbi-vs-msbi → |
| CBNK Capital Bancorp Inc. | B | 74/100 | 12.0x | — | 14.2% | +3.33% | $679.6M | /cbnk-vs-msbi → |
| BHB Bar Harbor Bankshares Inc. | C | 65/100 | 18.6x | — | 6.9% | +2.45% | $678.0M | /bhb-vs-msbi → |
| BCAL California BanCorp | C | 62/100 | 10.9x | — | 10.9% | +1.86% | $690.6M | /bcal-vs-msbi → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001466026 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), Midland States Bancorp Inc. (MSBI) reported GAAP revenue of $2.74B (-13.2% vs. FY2024 revenue of $3.15B , and +369.4% cumulative change since FY2023) , GAAP net income of -$124.3M, operating cash flow of $125.7M, and free cash flow of $120.3M (-29.1% YoY). On the balance sheet, MSBI closed FY2025 with $6.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.74B | -$124.3M | $125.7M | $120.3M | $6.51B | — |
| FY2024 (FY) | 2024-12-31 | $3.15B | $38.0M | $176.5M | $169.6M | $7.51B | — |
| FY2023 (FY) | 2023-12-31 | $582.8M | $61.2M | $153.4M | $153.4M | — | — |
3. MSBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs MSBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Midland States Bancorp Inc. (NASDAQ: MSBI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $33.34 (+1.62% 1D, market cap $682.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, MSBI ranks #554 in composite RQD confidence.
How does MSBI compare to RRBI and CBNK in the Financials sector?
Within the Financials sector (Major Banks), MSBI carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -22.0%. By comparison, RRBI (Red River Bancshares Inc.) holds a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M) and CBNK (Capital Bancorp Inc.) posts a B grade (74/100 RQD, P/E 12.0x, ROIC 14.2%, cap $679.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).
What are the biggest fundamental strengths and SEC risk factors for MSBI?
Per MSBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001466026), Midland States Bancorp Inc. generated $2.74B in revenue (-13.2% YoY), -$124.3M in net income, and $120.3M in free cash flow against $6.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Where is MSBI trading relative to its 50-day, 200-day, and 52-week technical levels?
MSBI last traded at $33.34 (+1.62% on volume of 109,851 shares), positioning the stock +1.09% above its 50-day simple moving average ($32.98) and +17.64% above its 200-day simple moving average ($28.34). Across its 52-week range of $14.52 to $35.10, MSBI sits at the 91.4% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($31.47 to $35.21).
ROARABLE RATING BRIEF • RQD 54/100 (D+)
✓ SEC XBRL & RQD VERIFIED
MSBI — Midland States Bancorp Inc.: What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31
1. Roarable Rating Brief: What This Means to a Prospective Investor
Midland States Bancorp Inc. (MSBI) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $33.34 (+1.62% 1D, market capitalization $682.5M).
- Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of -22.0%, gross margin of —, operating margin of —, and free cash flow yield of 17.14%.
- Whale 13F & Options Flow (11/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (13/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Midland States Bancorp Inc. Is a NASDAQ-listed company in the Financials sector, Major Banks industry. The profile identifies the company as operating in Major Banks with a market capitalization of $0.7B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Midland States Bancorp Inc. (MSBI) reported $2.74B in annual revenue (up from $3.15B in FY2024, -13.2% YoY) and -$124.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($582.8M revenue, $61.2M net income) through FY2025, MSBI scaled operating cash flow to $125.7M and free cash flow to $120.3M, backed by $6.51B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D+ • RQD 54/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 17.14% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $14.52 – $35.10 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Upstream and downstream dependencies: — Sector correlations beyond the Financials / Major Banks classification: — Second-order bottlenecks: — Investors should note that the absence of graph linkages means this dossier cannot map ripple effects from credit, funding, or rate shifts to the company's operations; those relationships would need separate verification.
- Key Question #1: Can MSBI sustain or expand its — operating margin and -22.0% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $2.74B and free cash flow of $120.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is MSBI's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
MSBI Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Midland States Bancorp Inc. (MSBI) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo Finance • 1d ago
Why Midland States Bancorp (MSBI) is a Top Dividend Stock for Your Portfolio Yahoo Finance report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE www.debelegger.nl • 1d ago
Midland States Bancorp (MSBI) Stock Price, Chart & Analysis www.debelegger.nl report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Midland States Bancorp (MSBI) Q3 Earnings and Revenues Top Estimates Yahoo Finance report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Investing.com • 1d ago
Stephens raises Midland States Bancorp stock price target on credit quality Investing.com report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE The Globe and Mail • 1d ago
Midland States Bancorp Highlights Strong Q3 Earnings Momentum The Globe and Mail report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 1d ago
Midland States Bancorp (MSBI) Stock Faces Questions After Strong Q3 Earnings Simply Wall St report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Stock Titan • 1d ago
Profit rose at Midland States Bancorp (MSBI) as quarterly credit-loss provisions fell to $3.74M. Stock Titan report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST MarketBeat • 1d ago
Midland States Bancorp (NASDAQ:MSBI) Releases Earnings Results, Beats Estimates By $0.06 EPS MarketBeat report covering Midland States Bancorp Inc. (MSBI) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
MSBI Bull vs. Bear Conversation Board — What's Your Call at $33.34?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MSBI 🐻 33% BEARISH CONVICTION
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH
🎯 Target: $41.67 (+27.0%)
📌 Pinned Debate The stock offers a 17.14% FCF yield and 3.94% dividend yield, with a Stephens price target raise citing credit quality.
The stock offers a 17.14% FCF yield and 3.94% dividend yield, with a Stephens price target raise citing credit quality.. When you look under the hood at MSBI, Fundamental Cash Engine is 10/20 with 0.0% gross margins and -22.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (11/20) has been quietly accumulating below $35.10. My 12M target is $41.67.
EarningsSniper 🐂 BULL
@RedlineAuditor Shorting a 11/20 institutional whale-flow stock at $32.81 is dangerous when funds are rotating into Financials.
RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH
🎯 Target: $24.61 (-25.0%)
Spot @ $32.81 ROIC is -22% and FY 2025 net income fell to -$124.3M, with a Piotroski F-Score of 3/9 signaling weak fundamentals.
Here is the bear case nobody on the bull side wants to address on MSBI: ROIC is -22% and FY 2025 net income fell to -$124.3M, with a Piotroski F-Score of 3/9 signaling weak fundamentals.. At current EV/EBITDA multiples, even a small guidance miss in Major Banks triggers a 12-15% air pocket.