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Midland States Bancorp, Inc.(MSBI)Earnings, Financials & Key Ratios
MSBI•NASDAQ•Banking & Credit
$28.34
$608M mkt cap·Price updated May 7, 2026
AboutMidland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates through Banking, Wealth Management, and Other segments. The company accepts various deposits, such as checking, savings, money market, and sweep accounts, as well as certificates of deposits. It also offers term loans to purchase capital equipment; lines of credit for working capital and operational purposes; commercial real estate loans for owner occupied and non-owner occupied commercial property, as well as farmland loans; construction and land development loans developers of commercial real estate investment properties, residential developments, individual clients for construction of single family homes, as well as to construct owner-user properties; and residential real estate loans and home equity lines of credit.. In addition, the company provides consumer installment loans for the purchase of cars, boats, and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; commercial equipment leasing; and trust and wealth management products and services, including financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. As of December 31, 2021, it operated 52 full-service banking offices. The company was founded in 1881 and is headquartered in Effingham, Illinois.Show more
- Net Interest Income$237M+6.7%
- Total Revenue$468M-14.4%
- Net Income-$124M-426.7%
- Return on Equity-19.47%-484.6%
- Net Interest Margin3.64%+23.0%
- Efficiency Ratio79.46%+129.5%
- ROA-1.77%-458.3%
- Equity / Assets8.69%-8.3%
- Book Value per Share25.88-20.9%
- Tangible BV/Share25.11+5.2%
- Debt/Equity0.76+28.3%
MSBI Key Insights
Midland States Bancorp, Inc. (MSBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 3.6%
- ✓12 consecutive years of dividend growth
- ✓Momentum leader: RS Rating 84 (top 16%)
- ✓Healthy dividend yield of 4.5%
- ✓Trading near 52-week high
- ✓Trading at only 1.1x book value
✗Weaknesses
- ✗High cost structure: 79.5% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
MSBI Price & Volume
Midland States Bancorp, Inc. (MSBI) stock price & volume — 10-year historical chart
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MSBI Growth Metrics
Midland States Bancorp, Inc. (MSBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.37%
5 Years8.15%
3 Years2.32%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-283.45%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-60.31%
Return on Capital
10 Years4.95%
5 Years5.25%
3 Years2.77%
Last Year-2.74%
MSBI Recent Earnings
Midland States Bancorp, Inc. (MSBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 23, 2026EPS
$0.79
Est $0.60
+31.7%
Revenue
$81M
Est $76M
+7.3%
Q1 2026
Jan 29, 2026EPS
$0.13
Est $0.75
-117.6%
Revenue
$74M
Est $74M
-0.7%
Q1 2026
Jan 22, 2026EPS
$0.53
Est $0.70
-24.3%
Revenue
$86M
Est $74M
+15.9%
Q4 2025
Oct 30, 2025EPS
$0.24
Est $0.61
-60.7%
Revenue
$78M
Est $79M
-1.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.79vs $0.60+31.7% | $81Mvs $76M+7.3% |
| Q1 2026 | Jan 29, 2026 | $0.13vs $0.75-117.6% | $74Mvs $74M-0.7% |
| Q1 2026 | Jan 22, 2026 | $0.53vs $0.70-24.3% | $86Mvs $74M+15.9% |
| Q4 2025 | Oct 30, 2025 | $0.24vs $0.61-60.7% | $78Mvs $79M-1.3% |
Based on last 12 quarters of dataView full earnings history →
MSBI Peer Comparison
Midland States Bancorp, Inc. (MSBI) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MBWM | 898.44M | 52.01 | 9.53 | 2.74% | 13.54% | 1.14 | ||
 FULT | 4.13B | 21.45 | 10.31 | 5.03% | 11.6% | 0.37 | ||
 IBCP | 698.89M | 33.95 | 10.38 | -0.3% | 14.2% | 0.23 | ||
 NBTB | 2.35B | 45.07 | 13.53 | 10.36% | 9.51% | 0.17 | ||
 BANF | 3.76B | 113.24 | 17.58 | 12.28% | 13.33% | 0.05 | ||
 FFIN | 4.61B | 32.39 | 20.76 | 18.79% | 13.25% | 0.12 | ||
 SFNC | 3.09B | 21.36 | -7.24 | -56.66% | -11.63% | 0.19 | ||
 FBIZ | 473.21M | 56.72 | 9.36 | 6.43% | 14.12% | 0.70 |
Compare MSBI vs Peers
Midland States Bancorp, Inc. (MSBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MSBI Income Statement
Midland States Bancorp, Inc. (MSBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 129.66M | 180.09M | 189.81M | 199.14M | 207.68M | 256.69M | 248.82M | 221.96M | 236.8M |
| NII Growth % | 23.19% | 38.89% | 5.4% | 4.91% | 4.29% | 23.6% | -3.07% | -10.8% | 6.69% |
| Net Interest Margin % | 2.94% | 3.19% | 3.12% | 2.9% | 2.79% | 3.27% | 3.16% | 2.96% | 3.64% |
| Interest Income | 153.11M | 223.37M | 249.52M | 244.89M | 237.82M | 312.71M | 417.1M | 411.74M | 387.87M |
| Interest Expense | 0 | 43.28M | 59.7M | 45.75M | 30.14M | 56.02M | 168.28M | 189.78M | 151.06M |
| Loan Loss Provision | 33.01M | 9.43M | 16.98M | 44.36M | 3.39M | 76.76M | 82.56M | 120.33M | 48.22M |
| Non-Interest Income | 57.41M | 71.34M | 77.42M | 71.08M | 75.42M | 123.79M | 91.4M | 134.31M | 79.72M |
| Non-Interest Income % | 27.27% | 24.21% | 23.68% | 22.5% | 24.08% | 28.36% | 17.97% | 24.6% | 17.05% |
| Total Revenue | 210.52M▲ 0% | 294.71M▲ 40.0% | 326.94M▲ 10.9% | 315.97M▼ 3.4% | 313.23M▼ 0.9% | 436.51M▲ 39.4% | 508.5M▲ 16.5% | 546.05M▲ 7.4% | 467.59M▼ 14.4% |
| Revenue Growth % | 10.02% | 39.99% | 10.94% | -3.36% | -0.87% | 39.36% | 16.49% | 7.39% | -14.37% |
| Non-Interest Expense | 151.04M | 191.19M | 177.78M | 193.84M | 180.59M | 172.34M | 169.7M | 189.04M | 371.55M |
| Efficiency Ratio | 71.75% | 64.88% | 54.38% | 61.35% | 57.65% | 39.48% | 33.37% | 34.62% | 79.46% |
| Operating Income | 26.47M▲ 0% | 50.8M▲ 91.9% | 72.47M▲ 42.6% | 32.01M▼ 55.8% | 99.11M▲ 209.6% | 131.39M▲ 32.6% | 87.96M▼ 33.1% | 46.9M▼ 46.7% | -103.24M▼ 320.1% |
| Operating Margin % | 12.57% | 17.24% | 22.17% | 10.13% | 31.64% | 30.1% | 17.3% | 8.59% | -22.08% |
| Operating Income Growth % | -47.5% | 91.93% | 42.65% | -55.83% | 209.59% | 32.56% | -33.05% | -46.68% | -320.13% |
| Pretax Income | 26.47M▲ 0% | 50.8M▲ 91.9% | 72.47M▲ 42.6% | 32.01M▼ 55.8% | 99.11M▲ 209.6% | 131.39M▲ 32.6% | 87.96M▼ 33.1% | 46.9M▼ 46.7% | -114.87M▼ 344.9% |
| Pretax Margin % | 12.57% | 17.24% | 22.17% | 10.13% | 31.64% | 30.1% | 17.3% | 8.59% | -24.57% |
| Income Tax | 10.41M | 11.38M | 16.69M | 9.48M | 17.8M | 31.15M | 26.81M | 8.86M | 9.41M |
| Effective Tax Rate % | 39.34% | 22.41% | 23.03% | 29.6% | 17.95% | 23.71% | 30.48% | 18.88% | -8.19% |
| Net Income | 16.06M▲ 0% | 39.42M▲ 145.5% | 55.78M▲ 41.5% | 22.54M▼ 59.6% | 81.32M▲ 260.8% | 100.24M▲ 23.3% | 61.16M▼ 39.0% | 38.04M▼ 37.8% | -124.28M▼ 426.7% |
| Net Margin % | 7.63% | 13.38% | 17.06% | 7.13% | 25.96% | 22.96% | 12.03% | 6.97% | -26.58% |
| Net Income Growth % | -49.1% | 145.52% | 41.51% | -59.6% | 260.82% | 23.27% | -38.99% | -37.79% | -426.68% |
| Net Income (Continuing) | 16.06M | 39.42M | 55.78M | 22.54M | 81.32M | 100.24M | 61.16M | 38.04M | -124.28M |
| EPS (Diluted) | 0.87▲ 0% | 1.66▲ 90.8% | 2.26▲ 36.1% | 0.95▼ 58.0% | 3.57▲ 275.8% | 4.23▲ 18.5% | 2.33▼ 44.9% | 1.32▼ 43.3% | -6.14▼ 565.2% |
| EPS Growth % | -59.91% | 90.8% | 36.14% | -57.96% | 275.79% | 18.49% | -44.92% | -43.35% | -565.15% |
| EPS (Basic) | 0.89 | 1.69 | 2.28 | 0.95 | 3.58 | 4.24 | 2.33 | 1.32 | -6.14 |
| Diluted Shares Outstanding | 18.28M | 23.55M | 24.49M | 23.35M | 22.55M | 22.4M | 22.12M | 21.74M | 21.85M |
MSBI Balance Sheet
Midland States Bancorp, Inc. (MSBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 665.04M | 868.23M | 1.04B | 1.01B | 1.58B | 921.58M | 1.05B | 1.07B | 1.65B |
| Cash & Due from Banks | 214.52M | 210.78M | 392.69M | 337.08M | 673.3M | 153.34M | 134.21M | 114.06M | 127.81M |
| Short Term Investments | 450.52M | 657.45M | 649.43M | 676.71M | 906.6M | 768.23M | 915.89M | 952.26M | 1.29B |
| Total Investments | 3.55B | 4.59B | 4.76B | 5.51B | 5.73B | 6.6B | 6.56B | 6.27B | 5.81B |
| Investments Growth % | 40.42% | 29.27% | 3.68% | 15.86% | 4.01% | 15.06% | -0.64% | -4.36% | -7.41% |
| Long-Term Investments | 3.1B | 3.93B | 4.11B | 4.84B | 4.83B | 5.83B | 5.64B | 5.32B | 4.51B |
| Accounts Receivables | 11.71M | 16.56M | 16.35M | 23.55M | 19.47M | 20.31M | 24.93M | 25.33M | 23.82M |
| Goodwill & Intangibles | 171.91M | 255.5M | 260.47M | 230.44M | 215.14M | 183.97M | 198.26M | 191.85M | 16.8M |
| Goodwill | 98.62M | 164.67M | 171.76M | 161.9M | 161.9M | 161.9M | 161.9M | 161.9M | 7.93M |
| Intangible Assets | 73.28M | 90.82M | 88.71M | 68.54M | 53.24M | 22.07M | 36.36M | 29.94M | 8.88M |
| PP&E (Net) | 76.16M | 94.84M | 105.28M | 83.3M | 79.22M | 78.29M | 82.81M | 85.71M | 85.13M |
| Other Assets | 162.18M | 196.09M | 220.89M | 271.34M | 298.42M | 329.07M | 396.44M | 442.46M | -4.51B |
| Total Current Assets | 890.26M | 1.16B | 1.4B | 1.45B | 2.02B | 1.43B | 1.55B | 1.47B | 1.65B |
| Total Non-Current Assets | 3.52B | 4.48B | 4.7B | 5.42B | 5.42B | 6.42B | 6.32B | 6.04B | 101.94M |
| Total Assets | 4.41B▲ 0% | 5.64B▲ 27.8% | 6.09B▲ 8.0% | 6.87B▲ 12.8% | 7.44B▲ 8.4% | 7.86B▲ 5.5% | 7.87B▲ 0.1% | 7.51B▼ 4.6% | 6.51B▼ 13.3% |
| Asset Growth % | 36.46% | 27.76% | 7.97% | 12.84% | 8.38% | 5.53% | 0.14% | -4.58% | -13.26% |
| Return on Assets (ROA) | 0.42% | 0.78% | 0.95% | 0.35% | 1.14% | 1.31% | 0.78% | 0.49% | -1.77% |
| Accounts Payable | 2.53M | 4.86M | 6.4M | 0 | 93.88M | 80.22M | 110.46M | 124.27M | 0 |
| Total Debt | 746.35M | 858.82M | 767.18M | 1.03B | 536.61M | 644.39M | 604.41M | 423.25M | 432.06M |
| Net Debt | 531.83M | 648.04M | 374.49M | 692.63M | -136.69M | 491.05M | 470.2M | 309.19M | 304.25M |
| Long-Term Debt | 581.23M | 701.74M | 669.78M | 948.79M | 449.09M | 459.77M | 419.55M | 335.75M | 371.88M |
| Short-Term Debt | 165.13M | 157.07M | 82.03M | 68.96M | 76.8M | 184.62M | 184.87M | 87.5M | 60.18M |
| Other Liabilities | 80.65M | 91.3M | 95.99M | 116.42M | 38.83M | 7.66M | 50.62M | 51.2M | 3.77B |
| Total Current Liabilities | 3.3B | 4.24B | 4.63B | 5.17B | 6.28B | 6.63B | 6.6B | 6.41B | 60.18M |
| Total Non-Current Liabilities | 661.88M | 793.05M | 792.42M | 1.08B | 498.64M | 467.44M | 470.16M | 386.95M | 4.14B |
| Total Liabilities | 3.96B | 5.03B | 5.43B | 6.25B | 6.78B | 7.1B | 7.08B | 6.8B | 5.95B |
| Total Equity | 449.55M▲ 0% | 608.52M▲ 35.4% | 661.91M▲ 8.8% | 621.39M▼ 6.1% | 663.84M▲ 6.8% | 758.57M▲ 14.3% | 791.85M▲ 4.4% | 710.85M▼ 10.2% | 565.5M▼ 20.4% |
| Equity Growth % | 39.69% | 35.36% | 8.77% | -6.12% | 6.83% | 14.27% | 4.39% | -10.23% | -20.45% |
| Equity / Assets (Capital Ratio) | 10.19% | 10.79% | 10.87% | 9.05% | 8.92% | 9.66% | 10.07% | 9.47% | 8.69% |
| Return on Equity (ROE) | 4.16% | 7.45% | 8.78% | 3.51% | 12.65% | 14.09% | 7.89% | 5.06% | -19.47% |
| Book Value per Share | 24.59 | 25.84 | 27.02 | 26.62 | 29.44 | 33.87 | 35.79 | 32.70 | 25.88 |
| Tangible BV per Share | 15.19 | 14.99 | 16.39 | 16.75 | 19.90 | 25.66 | 26.83 | 23.88 | 25.11 |
| Common Stock | 191K | 238K | 244K | 223K | 221K | 222K | 216K | 215K | 212K |
| Additional Paid-in Capital | 330.15M | 473.83M | 488.31M | 453.41M | 445.91M | 449.2M | 435.46M | 434.35M | 428.25M |
| Retained Earnings | 114.48M | 133.78M | 165.92M | 156.33M | 212.47M | 282.4M | 322.38M | 247.7M | 86.83M |
| Accumulated OCI | 1.76M | -2.11M | 7.44M | 11.43M | 5.24M | -83.8M | -76.75M | -81.96M | -60.33M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 2.97M | 2.78M | 0 | 0 | 0 | 110.55M | 110.55M | 110.55M | 110.55M |
MSBI Cash Flow Statement
Midland States Bancorp, Inc. (MSBI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 70.46M | 97.09M | 538.65M | 499.15M | 334.44M | 247.06M | 154.64M | 176.55M | 125.68M |
| Operating CF Growth % | 192.03% | 37.81% | 454.78% | -7.33% | -33% | -26.13% | -37.41% | 14.17% | -28.81% |
| Net Income | 16.06M | 39.42M | 55.78M | 22.54M | 81.32M | 99.03M | 75.46M | 38.04M | -124.28M |
| Depreciation & Amortization | 13.45M | 16.07M | 19.43M | 19.51M | 16.34M | 14.38M | 12.72M | 13.16M | 8.12M |
| Deferred Taxes | 12.03M | 10.52M | 12.61M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 29.12M | 19.63M | 439.06M | 489.33M | 238.33M | 144.96M | 59.66M | 113.69M | 248.76M |
| Working Capital Changes | -1.58M | 9.91M | 9.41M | -34.41M | -3.5M | -13.51M | 4.31M | 8.63M | -9.82M |
| Cash from Investing | -234.61M | -6.69M | -364.79M | -1.31B | -478.5M | -1.1B | -76.08M | 136.71M | 748.9M |
| Purchase of Investments | -280.63M | -97.08M | -214.58M | -281.95M | -470.05M | -217.65M | -652.68M | 0 | -809.04M |
| Sale/Maturity of Investments | 298.65M | 174.23M | 286.01M | 242.29M | 243.41M | 236.41M | 513.79M | 489.43M | 352.74M |
| Net Investment Activity | 18.02M | 77.14M | 71.44M | -39.66M | -226.64M | 18.76M | -138.89M | 489.43M | -456.3M |
| Acquisitions | -18.52M | 36.15M | 69.88M | 0 | -2.71M | 60.27M | 0 | 37K | 0 |
| Other Investing | -227.92M | -112.79M | -500.57M | -1.27B | -246.42M | -1.17B | 71.54M | -345.86M | 1.21B |
| Cash from Financing | 188.64M | -91.9M | 6.94M | 760.42M | 482.79M | 332.08M | -104.13M | -333.55M | -861.54M |
| Dividends Paid | -14.19M | -20.31M | -23.79M | -24.96M | -25.17M | -29.09M | -35.49M | -35.98M | -36.59M |
| Share Repurchases | 0 | 0 | -4.02M | -39.62M | -11.69M | -1.11M | -17.9M | -5.47M | -9.66M |
| Stock Issued | 3.23M | 2.28M | 0 | 0 | 0 | 0 | 0 | 0 | 643K |
| Net Stock Activity | 3.23M | 2.28M | -4.02M | -39.62M | -11.69M | -1.11M | -17.9M | -5.47M | -9.02M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | -13.14M | -168.05M | 155.92M | 559.48M | 1.01B | 176.4M | -53.45M | -110.96M | -772.86M |
| Net Change in Cash | 24.49M▲ 0% | -1.5M▼ 106.1% | 180.81M▲ 12137.6% | -52.87M▼ 129.2% | 338.73M▲ 740.7% | -519.74M▼ 253.4% | -25.57M▲ 95.1% | -20.3M▲ 20.6% | -8.21M▲ 59.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 190.72M | 215.2M | 213.7M | 394.5M | 341.64M | 680.37M | 160.63M | 135.06M | 114.77M |
| Cash at End | 215.2M | 213.7M | 394.5M | 341.64M | 680.37M | 160.63M | 135.06M | 114.77M | 106.56M |
| Interest Paid | 21.96M | 40.96M | 58.16M | 47.71M | 31.73M | 55.07M | 159.14M | 189.6M | 156.58M |
| Income Taxes Paid | 653K | 580K | 479K | 2.98M | 7.76M | 36.51M | 25.12M | 22.54M | 1.58M |
| Free Cash Flow | 64.27M▲ 0% | 89.86M▲ 39.8% | 533.12M▲ 493.3% | 496.56M▼ 6.9% | 331.72M▼ 33.2% | 243.59M▼ 26.6% | 145.91M▼ 40.1% | 169.65M▲ 16.3% | 120.33M▼ 29.1% |
| FCF Growth % | 192.86% | 39.81% | 493.27% | -6.86% | -33.2% | -26.57% | -40.1% | 16.27% | -29.07% |
MSBI Banking Ratios
Midland States Bancorp, Inc. (MSBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.37% | 4.16% | 7.45% | 8.78% | 3.51% | 12.65% | 14.09% | 7.89% | 5.06% | -19.47% |
| Return on Assets (ROA) | 1.03% | 0.42% | 0.78% | 0.95% | 0.35% | 1.14% | 1.31% | 0.78% | 0.49% | -1.77% |
| Net Interest Margin | 3.25% | 2.94% | 3.19% | 3.12% | 2.9% | 2.79% | 3.27% | 3.16% | 2.96% | 3.64% |
| Efficiency Ratio | 62.36% | 71.75% | 64.88% | 54.38% | 61.35% | 57.65% | 39.48% | 33.37% | 34.62% | 79.46% |
| Equity / Assets | 9.95% | 10.19% | 10.79% | 10.87% | 9.05% | 8.92% | 9.66% | 10.07% | 9.47% | 8.69% |
| Book Value / Share | 22.3 | 24.59 | 25.84 | 27.02 | 26.62 | 29.44 | 33.87 | 35.79 | 32.7 | 25.88 |
| NII Growth | 0.33% | 23.19% | 38.89% | 5.4% | 4.91% | 4.29% | 23.6% | -3.07% | -10.8% | 6.69% |
| Dividend Payout | 31.24% | 87.24% | 50.68% | 42.3% | 110.74% | 30.96% | 25.86% | 43.45% | 71.16% | - |
MSBI SEC Filings & Documents
Midland States Bancorp, Inc. (MSBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
MSBI Frequently Asked Questions
Midland States Bancorp, Inc. (MSBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Midland States Bancorp, Inc. (MSBI) saw revenue decline by 14.4% over the past year.
Midland States Bancorp, Inc. (MSBI) reported a net loss of $124.3M for fiscal year 2025.
Dividend & Returns
Yes, Midland States Bancorp, Inc. (MSBI) pays a dividend with a yield of 4.47%. This makes it attractive for income-focused investors.
Midland States Bancorp, Inc. (MSBI) has a return on equity (ROE) of -19.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Midland States Bancorp, Inc. (MSBI) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Midland States Bancorp, Inc. (MSBI) has an efficiency ratio of 79.5%. This is higher than peers, suggesting room for cost optimization.
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Midland States Bancorp, Inc. (MSBI) financial analysis — history, returns, DCA and operating performance tools
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