Oversold

MSBI

Same as last week
Valuation8/ 100
Cash flow & growth53/ 100
Upside potential25/ 100
Risk potential30/ 100

MSBI's valuation is expensive, fundamentals are somewhat mixed, while forward estimates point to earnings growth and improving margins, though analyst coverage is limited.

Valuation

Historical cheapness: current PE is 21.1× versus the full-history median of 7.1× shown in the valuation table, producing 8/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 8/100. The model applies a 10.7% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 8.5× (18-month half-life). The favorable scenario uses 18.2× PE and $1.9 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are mixed. Over the past year: revenue -19.9%, operating margin +31.2 percentage points. The business score is 53.2/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

The earnings calculation and the displayed scenario are different.

The earnings case uses $1.92 of EPS and a 18.2× PE, suggesting about $34.87 before the minimum is applied. Valuation history and outlook inform the PE.

The model applies a 15% minimum upside scenario, so the card shows +15%, or about $38.79. That adjusted price does not come from the EPS × PE calculation above.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $1.35 of EPS and a 17.4× PE, suggesting a share price of about $23.54 — 30% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

MSBI vs Historical averages

MetricCurrentAverageRelative
PE21x9.4x125% higher
PE percentile935086% higher
EPS$1.60$1.3717% higher
FCF$116.4M$240.1M52% lower
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MSBI’s fundamentals are mixed relative to their historical averages, while its earnings multiple is higher.

MSBI Forward outlook

MetricOutlook
Forward valuationStrongly improving
Forward earningsStrong growth
Forward revenueStrong decline
Forward profitabilityStrongly expanding
Analyst coverageLimited
Estimate dispersionTight

MSBI’s outlook is generally improving, with declining sales expectations a concern.

MSBI PE Valuation

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This table applies MSBI's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

MSBI Earnings Per Share

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This chart tracks MSBI's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

MSBI Quarterly Revenue

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This chart tracks MSBI's quarterly revenue over time and shows how sales are changing from year to year.

MSBI Free Cash Flow

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This chart tracks MSBI's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

MSBI Total Shares

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This chart tracks changes in MSBI's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

MSBI Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

MSBI PE vs Financial Services Sector

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This chart compares MSBI's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

MSBI Weekly Price

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This chart uses MSBI's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

MSBI Weekly Moving Averages

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This chart compares MSBI's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

MSBI Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.