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Midland States Bancorp, Inc. · NASDAQ
Price: $28.53 · Annual div: $1.28/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in MSBI → $1.47M in 10 years · $4,840.78/month
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 Banking, Wealth Management, and Other segments. The company accepts various deposits, such as checking, savings, money market, and sweep accounts, as well as certificates of deposits. It also offers term loans to purchase capital equipment; lines of credit for working capital and operational purposes; commercial real estate loans for owner occupied and non-owner occupied commercial property, as well as farmland loans; construction and land development loans developers of commercial real estate investment properties, residential developments, individual clients for construction of single family homes, as well as to construct owner-user properties; and residential real estate loans and home equity lines of credit.. In addition, the company provides consumer installment loans for the purchase of cars, boats, and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; commercial equipment leasing; and trust and wealth management products and services, including 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. As of December 31, 2021, it operated 52 full-service banking offices. The company was founded in 1881 and is headquartered in Effingham, Illinois.
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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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% | 4.49% | 1.69% | $449 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.82% | 1.02% | $382 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.59% | 0.79% | $359 / yr |
| 🇬🇧 UK ISA | 0% | 4.49% | 1.69% | $449 / yr |
| 🇬🇧 UK Taxable | 8.75% | 4.10% | 1.30% | $410 / yr |
| 🇨🇦 TFSA | 0% | 4.49% | 1.69% | $449 / yr |
| 🇨🇦 CA Taxable | 25% | 3.37% | 0.57% | $337 / yr |
| 🇦🇺 Super (pension) | 15% | 3.82% | 1.02% | $382 / yr |
| 🇦🇺 AU Taxable | 30% | 3.14% | 0.34% | $314 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.31% | 0.51% | $331 / yr |
| 🇫🇷 FR Taxable | 30% | 3.14% | 0.34% | $314 / 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.
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 pays quarterly — 4 times per year. Next ex-div: TBD.
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.
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 |
|---|---|---|---|---|---|---|
| A-Award | 2026-05-12 | 6,357 | $27.53 | $175.0K | ||
| Buy | 2026-05-05 | 9,400 | $26.49 | $249.0K | ||
| F-InKind | 2026-05-05 | 1,982 | $27.08 | $53.7K | ||
| F-InKind | 2026-05-01 | 204 | $26.39 | $5.4K | ||
| A-Award | 2026-03-31 | 1,312 | $19.05 | $25.0K | ||
| A-Award | 2026-03-31 | 1,311 | $19.05 | $25.0K | ||
| A-Award | 2026-03-31 | 448.124 | — | — | ||
| A-Award | 2026-03-31 | 227.162 | — | — | ||
| A-Award | 2026-03-31 | 544.005 | — | — | ||
| A-Award | 2026-03-31 | 387.914 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
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.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-05-05
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 →
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