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MSBI Dividend DRIP Calculator 2026
3.83% YieldFinancial ServicesMidland States Bancorp, Inc. · NASDAQ
Price: $33.40 · Annual div: $1.28/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When MSBI pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in MSBI → $1.39M in 10 years · $3,917.18/month
About Midland States Bancorp, Inc. (MSBI) — Dividend Analysis 2026
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 segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 MSBI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold MSBI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.83% | 1.03% | $383 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.26% | 0.46% | $326 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.06% | 0.26% | $306 / yr |
| 🇬🇧 UK ISA | 0% | 3.83% | 1.03% | $383 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.49% | 0.69% | $349 / yr |
| 🇨🇦 TFSA | 0% | 3.83% | 1.03% | $383 / yr |
| 🇨🇦 CA Taxable | 25% | 2.87% | 0.07% | $287 / yr |
| 🇦🇺 Super (pension) | 15% | 3.26% | 0.46% | $326 / yr |
| 🇦🇺 AU Taxable | 30% | 2.68% | -0.12% | $268 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.82% | 0.02% | $282 / yr |
| 🇫🇷 FR Taxable | 30% | 2.68% | -0.12% | $268 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 MSBI Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.28/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 MSBI Dividend Payment Schedule
MSBI pays quarterly — 4 times per year. Next ex-div: TBD.
📊 MSBI vs Financial Services Benchmarks
How MSBI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for MSBI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ MSBI Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-08-18 | 489 | $33.16 | $16.2K | ||
| M-Exempt | 2026-08-11 | 1,198 | $28.59 | $34.3K | ||
| F-InKind | 2026-08-04 | 58 | $34.53 | $2.0K | ||
| Sale | 2026-08-11 | 1,198 | $33.51 | $40.1K | ||
| F-InKind | 2026-08-05 | 50 | $34.24 | $1.7K | ||
| M-Exempt | 2026-08-11 | 1,198 | $28.59 | $34.3K | ||
| M-Exempt | 2026-07-28 | 8,383 | $28.59 | $239.7K | ||
| Sale | 2026-07-28 | 8,383 | $34.00 | $285.0K | ||
| M-Exempt | 2026-07-28 | 8,383 | $28.59 | $239.7K | ||
| A-Award | 2026-06-30 | 1 | $20.56 | $21.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the MSBI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Midland States Bancorp, Inc. (MSBI) is currently trading at $33.40, trading near its 52-week high. The current dividend yield is 3.83% based on an annual payout of $1.28 per share.
MSBI (Midland States Bancorp, Inc.) — 3.83% Dividend Yield Analysis
Midland States Bancorp, Inc. (MSBI) is a financial services stock currently trading at $33.40 with a dividend yield of 3.83%. The company pays an annual dividend of $1.28 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, MSBI has grown its dividend at a compound annual rate of 56.6%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.