MSBIP vs CRNC

Comparison between Midland States Bancorp Inc (MSBIP, Company) and Cerence Inc (CRNC, Company).

MSBIP is from the Financial Services sector, while CRNC is from the Technology sector.

MSBIP vs CRNC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	MSBIP(COMPANY)	CRNC(COMPANY)
Market Cap	$528M	$527M
Max Drawdown	28.54%	98.22%
Sharpe Ratio	1.17	0.49
5Y Beta	0.11	2.80
Industry	Banks - Regional	Software - Application
P/E Ratio	15.29	-25.90
Forward P/E	N/A	44.25
Dividend Yield	4.99%	N/A
5Y EPS CAGR	-1.10%	N/A
Debt to Equity	27.45%	108.92%
Free Cash Flow Yield	21.55%	14.25%
P/S Ratio	N/A	1.92
P/B Ratio	N/A	3.38

Market Cap

Winner

MSBIP

$528M

CRNC

$527M

Max Drawdown

Winner

MSBIP

28.54%

CRNC

98.22%

Sharpe Ratio

Winner

MSBIP

1.17

CRNC

0.49

5Y Beta

Winner

MSBIP

0.11

CRNC

2.80

Industry

MSBIP

Banks - Regional

CRNC

Software - Application

P/E Ratio

MSBIP

15.29

Winner

CRNC

-25.90

Forward P/E

MSBIP

N/A

CRNC

44.25

Dividend Yield

MSBIP

4.99%

CRNC

N/A

5Y EPS CAGR

MSBIP

-1.10%

CRNC

N/A

Debt to Equity

Winner

MSBIP

27.45%

CRNC

108.92%

Free Cash Flow Yield

Winner

MSBIP

21.55%

CRNC

14.25%

P/S Ratio

MSBIP

N/A

CRNC

1.92

P/B Ratio

MSBIP

N/A

CRNC

3.38

MSBIP vs CRNC - Historical Returns

Returns include dividend reinvestment.

Period	MSBIP	CRNC
1 month	+0.99%	+7.61%
3 months	+2.22%	+38.33%
6 months	+6.84%	-16.06%
1 year	+15.71%	+15.45%
5 years(CAGR)	N/A	-37.16%
Max(CAGR)	+8.04%	-12.24%

MSBIP

+0.99%

Winner

CRNC

+7.61%

MSBIP

+2.22%

Winner

CRNC

+38.33%

Winner

MSBIP

+6.84%

CRNC

-16.06%

Winner

MSBIP

+15.71%

CRNC

+15.45%

5Y(CAGR)

MSBIP

N/A

CRNC

-37.16%

Max(CAGR)

Winner

MSBIP

+8.04%

CRNC

-12.24%

MSBIP vs CRNC - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	MSBIP	CRNC
2026	+3.48%	-8.22%
2025	+7.57%	+34.80%
2024	+11.68%	-58.88%
2023	+2.32%	+2.72%
2022	+5.70%	-76.90%
2021	N/A	-24.70%
2020	N/A	+342.64%
2019	N/A	-11.25%

MSBIP vs CRNC Drawdown Comparison

The maximum drawdown for MSBIP was -27.09%, occurring on May 9, 2023. Recovery took 212 trading sessions.

The maximum drawdown for CRNC was -98.22%, occurring on Aug 6, 2024. This drawdown has not yet recovered.

The current MSBIP drawdown is -0.55%. The current CRNC drawdown is -92.05%.

Rank	MSBIP	CRNC
#1	-27.09% Feb 23, 2023 - Dec 27, 2023	-98.22% Feb 12, 2021 - Aug 6, 2024
#2	-9.97% Dec 31, 2024 - Aug 13, 2025	-49.53% Feb 24, 2020 - May 19, 2020
#3	-7.21% Aug 13, 2025 - Sep 16, 2025	-45.69% Sep 16, 2019 - Feb 20, 2020
#4	-5.53% Jan 25, 2024 - Mar 14, 2024	-23.62% Sep 16, 2020 - Oct 22, 2020
#5	-4.85% Sep 29, 2025 - Dec 9, 2025	-21.78% Jun 19, 2020 - Aug 4, 2020
#6	-4.44% Nov 11, 2022 - Dec 14, 2022	-16.52% May 22, 2020 - Jun 1, 2020
#7	-3.88% Sep 1, 2022 - Nov 11, 2022	-16.29% Oct 23, 2020 - Nov 13, 2020
#8	-3.08% Feb 13, 2026 - Apr 15, 2026	-13.19% Jun 9, 2020 - Jun 18, 2020
#9	-3.03% Dec 14, 2022 - Feb 2, 2023	-12.30% Jan 7, 2021 - Jan 14, 2021
#10	-2.80% Dec 27, 2023 - Jan 19, 2024	-12.12% Aug 17, 2020 - Sep 15, 2020
#11	-2.46% Jul 15, 2024 - Aug 29, 2024	-10.53% Aug 5, 2020 - Aug 17, 2020
#12	-2.26% Nov 29, 2024 - Dec 26, 2024	-10.26% Jan 22, 2021 - Feb 5, 2021
#13	-1.98% Apr 5, 2024 - Jun 26, 2024	-10.07% Dec 1, 2020 - Dec 16, 2020
#14	-1.81% Mar 21, 2024 - Apr 4, 2024	-9.07% Jun 4, 2020 - Jun 8, 2020
#15	-1.46% Oct 1, 2024 - Nov 26, 2024	-7.88% Dec 22, 2020 - Jan 7, 2021

Correlation

Correlation between MSBIP and CRNC is -0.66 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.66

-101