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Midland States Bancorp, Inc. · NASDAQ
Price: $25.44 · Annual div: $1.94/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 MSBIP → $1.95M in 10 years · $10,602.15/month
Midland States Bancorp, Inc. functions as the financial holding company for Midland States Bank, delivering a comprehensive array of banking and financial services. Its clientele is diverse, encompassing individuals, businesses, local governments, and various other organizations. The company's operations are segmented into Banking, Wealth Management, and Other divisions. Customers can access a range of deposit products, including checking, savings, money market, and sweep accounts, in addition to certificates of deposit. For commercial and business clients, the company extends term loans for capital equipment, lines of credit to support working capital and operational needs, and commercial real estate financing for owner-occupied, non-owner-occupied, and agricultural land. It also provides construction and land development loans for commercial investment properties, residential developments, individual home construction, and owner-user properties. On the consumer side, offerings include residential real estate loans, home equity lines of credit, and installment loans for purchasing vehicles, recreational items, major appliances, and funding home improvement projects. Beyond traditional banking, Midland States Bancorp offers commercial equipment leasing and a full suite of trust and wealth management services. These encompass 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. Founded in 1881 and headquartered in Effingham, Illinois, the company operated 52 full-service banking branches as of December 31, 2021.
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 MSBIP.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 7.62% | 4.82% | $762 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 6.48% | 3.68% | $648 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 6.10% | 3.30% | $610 / yr |
| 🇬🇧 UK ISA | 0% | 7.62% | 4.82% | $762 / yr |
| 🇬🇧 UK Taxable | 8.75% | 6.95% | 4.15% | $695 / yr |
| 🇨🇦 TFSA | 0% | 7.62% | 4.82% | $762 / yr |
| 🇨🇦 CA Taxable | 25% | 5.71% | 2.92% | $572 / yr |
| 🇦🇺 Super (pension) | 15% | 6.48% | 3.68% | $648 / yr |
| 🇦🇺 AU Taxable | 30% | 5.33% | 2.53% | $533 / yr |
| 🇩🇪 DE Taxable | 26.375% | 5.61% | 2.81% | $561 / yr |
| 🇫🇷 FR Taxable | 30% | 5.33% | 2.53% | $533 / 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 $1.94/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
MSBIP pays quarterly — 4 times per year. Next ex-div: TBD.
How MSBIP compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for MSBIP 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.
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 MSBIP 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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