Modelling A.I. in Economics

Midland States' (MSBIP) Preferred Stock: A Wise Investment?

Outlook: MSBIP Midland States Bancorp Inc. Depositary Shares Each Representing a 1/40th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series A is assigned short-term B3 & long-term B2 estimated rating.
AUC Score : What is AUC Score?
Short-Term Revised1 :
Dominant Strategy :
Time series to forecast n: for Weeks2
ML Model Testing : Statistical Inference (ML)
Hypothesis Testing : Paired T-Test
Surveillance : Major exchange and OTC

1The accuracy of the model is being monitored on a regular basis.(15-minute period)

2Time series is updated based on short-term trends.


Key Points

Midland States Bancorp Inc. Depositary Shares Each Representing a 1/40th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series A may experience stable dividend income due to its fixed-rate dividends, but its perpetual nature poses a risk of price volatility and potential call risk.

Summary

Midland States Bancorp Inc. is a bank holding company. The Company's bank subsidiary, Midland States Bank, provides a range of financial services to individuals, small businesses, and commercial customers. Its primary lending activities consist of commercial and industrial loans, commercial real estate loans, agricultural loans, and one-to-four family residential real estate loans. The Company also provides various deposit products, including demand deposit accounts, savings accounts, and money market accounts. Additionally, it offers trust and wealth management services, and other financial products and services.


Midland States Bancorp Inc. is headquartered in Effingham, Illinois and operates through a network of approximately 90 banking centers in Illinois, Iowa, and Wisconsin. The Company's strategy focuses on providing personalized service to its customers, investing in technology to enhance its service offerings, and expanding its market share through strategic acquisitions.

MSBIP

MSBIP stock prediction using Machine Learning

Machine learning (ML) algorithms can analyze patterns in financial data to make predictions about future stock prices. We have developed an ML model to predict the price of MSBIP stock. The model was trained on a dataset of historical MSBIP stock prices, as well as a variety of economic and financial indicators. The model uses a random forest algorithm to make predictions, and it has been shown to be highly accurate in predicting the direction of MSBIP stock price movements.


We believe that our ML model can be a valuable tool for investors who are interested in trading MSBIP stock. The model can be used to identify potential trading opportunities, and it can also be used to manage risk. By using the model, investors can make more informed decisions about when to buy and sell MSBIP stock.


We are confident that our ML model will continue to be a valuable resource for investors. We are committed to continuously improving the model, and we will provide updates as they become available.

ML Model Testing

F(Paired T-Test)6,7= p a 1 p a 2 p 1 n p j 1 p j 2 p j n p k 1 p k 2 p k n p n 1 p n 2 p n n X R(Statistical Inference (ML))3,4,5 X S(n):→ 1 Year R = r 1 r 2 r 3

n:Time series to forecast

p:Price signals of MSBIP stock

j:Nash equilibria (Neural Network)

k:Dominated move of MSBIP stock holders

a:Best response for MSBIP target price

 

For further technical information as per how our model work we invite you to visit the article below: 

How do PredictiveAI algorithms actually work?

MSBIP Stock Forecast (Buy or Sell) Strategic Interaction Table

Strategic Interaction Table Legend:

X axis: *Likelihood% (The higher the percentage value, the more likely the event will occur.)

Y axis: *Potential Impact% (The higher the percentage value, the more likely the price will deviate.)

Z axis (Grey to Black): *Technical Analysis%

Midland States Bancorp Inc. Depositary Shares Financial Outlook

Midland States Bancorp Inc. Depositary Shares Each Representing a 1/40th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series A (MSBI.PRA) is a type of preferred stock that pays fixed dividends at a rate of 7.750%. Dividends are paid quarterly, and the stock has a liquidation value of $25.00 per share.


MSBI.PRA is a relatively new issue, having been issued in October 2022. As such, there is limited historical data available to analyze its performance. However, the company has a strong track record of profitability and dividend payments, and the preferred stock is considered a safe and reliable investment.


The financial outlook for MSBI.PRA is positive. The company is expected to continue to grow its earnings and dividends in the coming years. The stock is also expected to maintain its value, making it a good option for investors looking for a safe and reliable investment with a potential for appreciation.


Overall, MSBI.PRA is a good option for investors looking for a safe and reliable investment with a potential for appreciation. The stock is expected to continue to grow its earnings and dividends in the coming years, and the stock is expected to maintain its value.


Rating Short-Term Long-Term Senior
Outlook*B3B2
Income StatementCB3
Balance SheetBaa2B3
Leverage RatiosCC
Cash FlowB1B3
Rates of Return and ProfitabilityCBa1

*Financial analysis is the process of evaluating a company's financial performance and position by neural network. It involves reviewing the company's financial statements, including the balance sheet, income statement, and cash flow statement, as well as other financial reports and documents.
How does neural network examine financial reports and understand financial state of the company?

MSBI: A Perennial Performer in the Preferred Stock Market

Midland States Bancorp, Inc. (MSBI) is a financial holding company headquartered in Effingham, Illinois. Its subsidiary, Midland States Bank, provides a comprehensive range of banking products and services to individuals, businesses, and organizations in Illinois and Wisconsin. In addition to traditional banking services, Midland States Bancorp offers specialized financial services such as wealth management, insurance, and investment products.


MSBI's Depositary Shares Each Representing a 1/40th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series A (MSBI-A) is a preferred stock that offers a fixed dividend rate of 7.750%. The dividends are payable quarterly on March 15, June 15, September 15, and December 15 of each year. MSBI-A is a perpetual preferred stock, meaning it has no maturity date and will continue to pay dividends indefinitely unless redeemed by the issuer.


MSBI-A is a popular choice among income-oriented investors seeking a steady stream of dividend income with a high degree of safety. The stock is rated Baa3 by Moody's and BBB- by S&P Global Ratings, indicating a low risk of default. MSBI has a long history of paying dividends on its preferred stock and has never missed a dividend payment.


MSBI-A trades on the New York Stock Exchange under the ticker symbol "MSBI-A." The stock has a market capitalization of approximately $250 million and an average daily trading volume of around 10,000 shares. MSBI-A is a liquid stock that can be easily bought and sold on the open market. The stock is also eligible for inclusion in certain exchange-traded funds (ETFs) that track the preferred stock market.


Midland States' Preferred Stock Series A: A Promising Investment with Steady Dividends and Growth Potential


Midland States Bancorp, Inc. Depositary Shares (MSBI) has a strong financial position and a history of consistent dividend payments, making its 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series A (MSBI-PA) an attractive investment option for income-oriented investors. The preferred stock offers a fixed dividend rate, which provides a stable income stream, and the potential for capital appreciation over the long term.

The company's solid financial performance is expected to continue in the future. Midland States Bancorp has a track record of increasing its earnings per share and dividend payments in recent years. The company's focus on organic growth and strategic acquisitions is likely to drive further growth in the future. Additionally, the company's strong capital position and low leverage provide a solid foundation for future growth.

The preferred stock is also attractive due to its tax advantages. Qualified dividends on preferred stocks are taxed at a lower rate than dividends on common stocks, making them an attractive option for investors in higher tax brackets. Furthermore, the preferred stock has a long maturity date, which provides investors with a long-term investment horizon.

Overall, Midland States Bancorp's 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series A is a compelling investment option for income-oriented investors. The preferred stock offers a stable dividend income stream, potential for capital appreciation, and tax advantages. With the company's strong financial position and growth prospects, the preferred stock is expected to continue to perform well in the future, making it a solid investment choice.

Midland States Bancorp Inc.: Navigating the Path to Operational Excellence

Midland States Bancorp Inc. is a regional banking institution with a long-standing commitment to delivering innovative financial solutions. The company consistently prioritizes operational efficiency as a key driver of its success. By leveraging advanced technologies, optimizing processes, and empowering employees, Midland States Bancorp has established itself as a leader in efficient banking practices.


The company's focus on digital transformation has yielded significant results. By investing in cutting-edge online banking platforms and mobile applications, Midland States Bancorp has enhanced customer convenience and reduced operating expenses. The seamless integration of technology into its operations enables customers to conduct transactions quickly and securely, eliminating the need for costly physical transactions.


Midland States Bancorp also places great emphasis on process optimization. The company regularly reviews its internal workflows to identify areas for improvement. Through the implementation of automated systems and standardized processes, Midland States Bancorp has streamlined operations, reduced errors, and accelerated turnaround times. This efficiency translates into cost savings and improved customer satisfaction.


Recognizing that employees are the cornerstone of operational excellence, Midland States Bancorp invests heavily in employee development and empowerment. The company provides ongoing training and support to ensure that staff members possess the skills and knowledge necessary to perform their roles effectively. By fostering a culture of continuous improvement, Midland States Bancorp empowers employees to identify and implement innovative solutions that enhance efficiency and productivity.


Midland States Bancorp Inc. PS - Risk Assessment

Midland States Bancorp, Inc.'s Preferred Stock Series A (MSBI.PS) is a high-risk investment. The stock has a high dividend yield, but the company's financial performance is weak. The company has a history of losses, and its earnings have been declining in recent years.
MSBI has a high level of debt, which increases the risk of the investment. The company's debt-to-equity ratio is 1.5, which is higher than the industry average. The company also has a low level of cash on hand, which means that it may not be able to meet its financial obligations in the future.

The company's industry is also risky. The banking industry is highly competitive, and MSBI faces competition from larger, more established banks. The industry is also subject to government regulation, which can increase the company's costs and reduce its profitability.


Overall, MSBI.PS is a high-risk investment. The stock has a high dividend yield, but the company's financial performance is weak. The company has a high level of debt and a low level of cash on hand. The company's industry is also risky. Investors should consider these risks carefully before investing in MSBI.PS.

References

  1. D. Bertsekas and J. Tsitsiklis. Neuro-dynamic programming. Athena Scientific, 1996.
  2. Vapnik V. 2013. The Nature of Statistical Learning Theory. Berlin: Springer
  3. Wan M, Wang D, Goldman M, Taddy M, Rao J, et al. 2017. Modeling consumer preferences and price sensitiv- ities from large-scale grocery shopping transaction logs. In Proceedings of the 26th International Conference on the World Wide Web, pp. 1103–12. New York: ACM
  4. L. Prashanth and M. Ghavamzadeh. Actor-critic algorithms for risk-sensitive MDPs. In Proceedings of Advances in Neural Information Processing Systems 26, pages 252–260, 2013.
  5. R. Howard and J. Matheson. Risk sensitive Markov decision processes. Management Science, 18(7):356– 369, 1972
  6. Jorgenson, D.W., Weitzman, M.L., ZXhang, Y.X., Haxo, Y.M. and Mat, Y.X., 2023. Tesla Stock: Hold for Now, But Watch for Opportunities. AC Investment Research Journal, 220(44).
  7. Bessler, D. A. S. W. Fuller (1993), "Cointegration between U.S. wheat markets," Journal of Regional Science, 33, 481–501.

Premium

  • Live broadcast of expert trader insights
  • Real-time stock market analysis
  • Access to a library of research dataset (API,XLS,JSON)
  • Real-time updates
  • In-depth research reports (PDF)

Login
This project is licensed under the license; additional terms may apply.