MSBI vs ATLCP

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

Both MSBI and ATLCP are from the Financial Services sector.

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

MSBI vs ATLCP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	MSBI(COMPANY)	ATLCP(COMPANY)
Market Cap	$613M	$613M
Max Drawdown	65.76%	37.48%
Sharpe Ratio	1.82	0.87
5Y Beta	0.78	0.13
Industry	Banks - Regional	Credit Services
P/E Ratio	17.74	3.20
Forward P/E	8.22	N/A
PEG Ratio	1.41	N/A
Dividend Yield	4.40%	N/A
5Y Dividends CAGR	7.74%	N/A
5Y EPS CAGR	-1.10%	N/A
Debt to Equity	27.45%	N/A
Free Cash Flow Yield	18.56%	N/A
P/S Ratio	2.19	N/A
P/B Ratio	1.34	N/A

Market Cap

Winner

MSBI

$613M

ATLCP

$613M

Max Drawdown

MSBI

65.76%

Winner

ATLCP

37.48%

Sharpe Ratio

Winner

MSBI

1.82

ATLCP

0.87

5Y Beta

MSBI

0.78

Winner

ATLCP

0.13

Industry

MSBI

Banks - Regional

ATLCP

Credit Services

P/E Ratio

MSBI

17.74

Winner

ATLCP

3.20

Forward P/E

MSBI

8.22

ATLCP

N/A

PEG Ratio

MSBI

1.41

ATLCP

N/A

Dividend Yield

MSBI

4.40%

ATLCP

N/A

5Y Dividends CAGR

MSBI

7.74%

ATLCP

N/A

5Y EPS CAGR

MSBI

-1.10%

ATLCP

N/A

Debt to Equity

MSBI

27.45%

ATLCP

N/A

Free Cash Flow Yield

MSBI

18.56%

ATLCP

N/A

P/S Ratio

MSBI

2.19

ATLCP

N/A

P/B Ratio

MSBI

1.34

ATLCP

N/A

MSBI vs ATLCP - Historical Returns

Returns include dividend reinvestment.

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

Winner

MSBI

+13.05%

ATLCP

-0.12%

Winner

MSBI

+48.03%

ATLCP

-1.93%

Winner

MSBI

+45.98%

ATLCP

+2.00%

Winner

MSBI

+87.75%

ATLCP

+14.07%

5Y(CAGR)

Winner

MSBI

+7.76%

ATLCP

+7.50%

10Y(CAGR)

MSBI

+7.92%

ATLCP

N/A

Max(CAGR)

Winner

MSBI

+8.02%

ATLCP

+7.50%

MSBI vs ATLCP - Annual Returns (2016 - 2026)

Returns include dividend reinvestment.

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

MSBI vs ATLCP Drawdown Comparison

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

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

The current ATLCP drawdown is -3.69%.

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

Correlation

Correlation between MSBI and ATLCP 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)

MSBI vs ATLCP dividend yield comparison.

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