Midland States Bancorp vs Univest Financial
Midland States Bancorp and Univest Financial are similar in size: $325m and $328m of revenue in their latest fiscal years. Univest Financial grew faster (9.6% against -13.4%). Univest Financial kept more of each dollar of sales as profit: a net margin of 27.7% against -38.2%.
| Latest fiscal year | Midland States BancorpMSBI, 2025 | Univest FinancialUVSP, 2025 |
|---|---|---|
| Revenue | $325m | $328m |
| Revenue growth | -13.4% | 9.6% |
| Net income | −$124m | $90.8m |
| Operating margin | — | — |
| Net margin | -38.2% | 27.7% |
| Return on equity | -19.5% | 9.9% |
| Free cash flow | $120m | $96.9m |
| Cash | $128m | $554m |
| Total debt | $60.2m | $24.4m |
| Debt to equity | — | — |
| Dividend per share | $1.26 | $0.87 |
| Dividend yield | 4.0% | 2.3% |
| Share buybacks | $9.7m | $34.6m |
| Employees | 861 | — |
| Market value | $695m | $1.14bn |
| Price vs our value range | — | — |
| Moat score | 50 (Moderate) | 72 (Strong) |
| Insider trades, 12 months | 7 buys, 5 sales | 3 buys, 11 sales |