Which has the lower trailing P/E, MSBI or ROOT?

ROOT has the lower trailing P/E: MSBI trades at 20.46 and ROOT at 14.12. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, MSBI or ROOT?

Over the past five years, ROOT grew revenue faster — MSBI at a 7.02% CAGR versus ROOT at 43.26%.

Does MSBI or ROOT pay a bigger dividend?

MSBI pays a dividend (3.89% yield), while ROOT has no payments in the available dividend history.

Is MSBI or ROOT more profitable?

MSBI runs the higher net margin — MSBI at 9.71% versus ROOT at 3.90%.

How have MSBI and ROOT total returns compared?

Over the past 5 years, MSBI delivered 10.69% and ROOT delivered -11.85% annualized total return. Past performance doesn't predict future results.

Midland States Bancorp, Inc. (MSBI) vs Root, Inc. (ROOT)

A side-by-side comparison of Midland States Bancorp, Inc. and Root, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

MSBI

Midland States Bancorp, Inc.

$679M

$32.73Financial ServicesDelayed quote: Oct 6, 2026, 3:05 PM EDT

ROOT

Root, Inc.

$667M

$47.58Financial ServicesDelayed quote: Oct 6, 2026, 3:05 PM EDT

Total return — MSBI vs ROOT

growth of $100 · dividends reinvested · last 6y

MSBI +214.5% (+21.0%/yr)ROOT -90.2% (-32.1%/yr)MSBI compounded faster over this window

Log scale — wide-divergence pair

MSBI ROOT

MSBI vs ROOT: by the numbers

•MSBI is the larger company ($679M vs $667M market cap).
•ROOT trades at the lower trailing earnings multiple (14.12 vs 20.46 P/E), one valuation lens rather than an overall verdict.
•MSBI converts more revenue to profit (9.71% vs 3.90% net margin).
•ROOT grew revenue faster over the past five years (43.26% vs 7.02% CAGR).
•MSBI pays a dividend (3.89% yield), while ROOT has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	MSBI	ROOT
P/E ratio	20.46	14.12
Forward P/E	9.79	10.62
P/S ratio	1.53	0.43
P/B ratio	1.48	2.03

Profitability

Metric	MSBI	ROOT
Operating margin	-22.08%	3.96%
Net margin	9.71%	3.90%
ROE	7.55%	18.66%

Midland States Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Root, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	MSBI	ROOT
Dividend yield	3.89%	N/A
Payout ratio	80.63%	N/A

Growth (annualized)

Metric	MSBI	ROOT
Revenue CAGR (5Y)	7.02%	43.26%
Total return CAGR (5Y)	10.69%	-11.85%

Frequently asked

Which has the lower trailing P/E, MSBI or ROOT?: ROOT has the lower trailing P/E: MSBI trades at 20.46 and ROOT at 14.12. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, MSBI or ROOT?: Over the past five years, ROOT grew revenue faster — MSBI at a 7.02% CAGR versus ROOT at 43.26%.
Does MSBI or ROOT pay a bigger dividend?: MSBI pays a dividend (3.89% yield), while ROOT has no payments in the available dividend history.
Is MSBI or ROOT more profitable?: MSBI runs the higher net margin — MSBI at 9.71% versus ROOT at 3.90%.
How have MSBI and ROOT total returns compared?: Over the past 5 years, MSBI delivered 10.69% and ROOT delivered -11.85% annualized total return. Past performance doesn't predict future results.

Go deeper

Full MSBI analysis Full ROOT analysis Interactive comparison tool

Dig into the metrics

Midland States Bancorp P/E ratio Root P/E ratio Midland States Bancorp dividend yield Midland States Bancorp ROE Root ROE Midland States Bancorp operating margin Root operating margin Midland States Bancorp revenue growth Root revenue growth

Midland States Bancorp & Root appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.