ATLCP vs MSBI

Comparison between Atlanticus Holdings Corp (ATLCP, Company) and Midland States Bancorp Inc (MSBI, Company).

Both ATLCP and MSBI are from the Financial Services sector.

5-Year PerformanceMSBI has outperformed ATLCP, delivering a return of +7.8% compared to +7.5%

ATLCP vs MSBI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ATLCP(COMPANY)	MSBI(COMPANY)
Market Cap	$613M	$613M
Max Drawdown	37.48%	65.76%
Sharpe Ratio	0.79	1.90
5Y Beta	0.12	0.78
Industry	Credit Services	Banks - Regional
P/E Ratio	3.20	17.74
Forward P/E	N/A	8.22
PEG Ratio	N/A	1.41
Dividend Yield	N/A	4.29%
5Y Dividends CAGR	N/A	7.74%
5Y EPS CAGR	N/A	-1.10%
Debt to Equity	N/A	27.45%
Free Cash Flow Yield	N/A	18.56%
P/S Ratio	N/A	2.19
P/B Ratio	N/A	1.34

Market Cap

ATLCP

$613M

Winner

MSBI

$613M

Max Drawdown

Winner

ATLCP

37.48%

MSBI

65.76%

Sharpe Ratio

ATLCP

0.79

Winner

MSBI

1.90

5Y Beta

Winner

ATLCP

0.12

MSBI

0.78

Industry

ATLCP

Credit Services

MSBI

Banks - Regional

P/E Ratio

Winner

ATLCP

3.20

MSBI

17.74

Forward P/E

ATLCP

N/A

MSBI

8.22

PEG Ratio

ATLCP

N/A

MSBI

1.41

Dividend Yield

ATLCP

N/A

MSBI

4.29%

5Y Dividends CAGR

ATLCP

N/A

MSBI

7.74%

5Y EPS CAGR

ATLCP

N/A

MSBI

-1.10%

Debt to Equity

ATLCP

N/A

MSBI

27.45%

Free Cash Flow Yield

ATLCP

N/A

MSBI

18.56%

P/S Ratio

ATLCP

N/A

MSBI

2.19

P/B Ratio

ATLCP

N/A

MSBI

1.34

ATLCP vs MSBI - Historical Returns

Returns include dividend reinvestment.

Period	ATLCP	MSBI
1 month	-0.12%	+13.05%
3 months	-1.93%	+48.03%
6 months	+2.00%	+45.98%
1 year	+14.07%	+87.75%
5 years(CAGR)	+7.50%	+7.76%
10 years(CAGR)	N/A	+7.92%
Max(CAGR)	+7.50%	+8.02%

ATLCP

-0.12%

Winner

MSBI

+13.05%

ATLCP

-1.93%

Winner

MSBI

+48.03%

ATLCP

+2.00%

Winner

MSBI

+45.98%

ATLCP

+14.07%

Winner

MSBI

+87.75%

5Y(CAGR)

ATLCP

+7.50%

Winner

MSBI

+7.76%

10Y(CAGR)

ATLCP

N/A

MSBI

+7.92%

Max(CAGR)

ATLCP

+7.50%

Winner

MSBI

+8.02%

ATLCP vs MSBI - Annual Returns (2016 - 2026)

Returns include dividend reinvestment.

Year	ATLCP	MSBI
2026	+0.78%	+45.92%
2025	+13.94%	-4.63%
2024	+9.54%	-6.84%
2023	+40.70%	+9.54%
2022	-24.98%	+9.65%
2021	+6.18%	+45.08%
2020	N/A	-34.19%
2019	N/A	+32.97%
2018	N/A	-29.19%
2017	N/A	-6.16%
2016	N/A	+67.58%

ATLCP vs MSBI Drawdown Comparison

The maximum drawdown for ATLCP was -30.60%, occurring on Mar 17, 2023. Recovery took 421 trading sessions.

The maximum drawdown for MSBI was -61.18%, occurring on Sep 23, 2020. Recovery took 1376 trading sessions.

The current ATLCP drawdown is -3.69%.

Rank	ATLCP	MSBI
#1	-30.60% Apr 4, 2022 - Dec 6, 2023	-61.18% Jul 9, 2018 - Dec 26, 2023
#2	-12.64% Mar 6, 2026 - Jun 2, 2026	-44.33% Nov 6, 2024 - Apr 27, 2026
#3	-10.85% Mar 15, 2024 - Nov 13, 2024	-24.88% Dec 27, 2023 - Nov 6, 2024
#4	-7.69% Dec 15, 2023 - Mar 11, 2024	-19.19% Dec 28, 2016 - Jun 19, 2018
#5	-6.84% Dec 2, 2024 - Aug 26, 2025	-8.71% Dec 7, 2016 - Dec 20, 2016
#6	-5.13% Jan 25, 2022 - Apr 4, 2022	-8.20% Jun 6, 2016 - Aug 11, 2016
#7	-4.63% Sep 23, 2025 - Jan 13, 2026	-6.92% Oct 21, 2016 - Nov 10, 2016
#8	-3.69% Jun 5, 2026 - Jun 12, 2026	-5.89% May 7, 2026 - May 26, 2026
#9	-2.64% Jun 2, 2026 - Jun 5, 2026	-4.46% Jun 20, 2018 - Jul 9, 2018
#10	-2.07% Sep 2, 2021 - Dec 2, 2021	-3.90% Sep 9, 2016 - Sep 30, 2016
#11	-1.54% Feb 27, 2026 - Mar 6, 2026	-2.31% May 26, 2026 - Jun 4, 2026
#12	-1.42% Jun 14, 2021 - Jul 6, 2021	-2.11% Oct 5, 2016 - Oct 19, 2016
#13	-1.21% Dec 8, 2023 - Dec 13, 2023	-1.59% May 1, 2026 - May 5, 2026
#14	-1.14% Nov 13, 2024 - Nov 19, 2024	-1.57% Jun 2, 2016 - Jun 6, 2016
#15	-1.13% Jan 21, 2026 - Feb 6, 2026	-1.42% Apr 28, 2026 - Apr 30, 2026

Correlation

Correlation between ATLCP and MSBI is 0.14 which considered as a very weak or no correlation - the stocks move independently of each other.

0.14

-101

Dividend Comparison (2016 - 2026)

ATLCP vs MSBI dividend yield comparison.

Year	ATLCP	MSBI
2026	4.07%	2.12%
2025	7.94%	5.95%
2024	8.31%	5.08%
2023	8.37%	4.35%
2022	10.90%	4.36%
2021	3.86%	4.52%
2020	0.00%	5.99%
2019	0.00%	3.35%
2018	0.00%	3.94%
2017	0.00%	2.46%
2016	0.00%	1.00%