Midland States Bancorp, Inc. (MSBI) Earnings History
Net Loss17 years of earnings data (2009–2025) · Currently unprofitable on a TTM basis
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Midland States Bancorp, Inc. (MSBI) Earnings Overview
As of June 22, 2026, Midland States Bancorp, Inc. (MSBI) reported trailing twelve-month net income of -$124M, reflecting -565.2% year-over-year growth. The company earned $-5.69 per diluted share over the past four quarters, with a net profit margin of -26.6%.
Looking at the long-term picture, MSBI's historical earnings data spans multiple years. The company achieved its highest annual net income of $100M in fiscal 2022.
Midland States Bancorp, Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including MBWM ($89M net income, 23.9% margin), FULT ($392M net income, 20.7% margin), IBCP ($69M net income, 21.7% margin), MSBI has room to improve margins relative to the peer group. Compare MSBI vs MBWM →
MSBI Earnings vs Peers
Earnings metrics vs comparable public companies
MSBI Historical Earnings Data (2009–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$124M | -426.7% | -$103M | $-6.14 | -26.6% | -22.1% |
| 2024 | $38M | -37.8% | $47M | $1.32 | 7.0% | 8.6% |
| 2023 | $61M | -39.0% | $88M | $2.33 | 12.0% | 17.3% |
| 2022 | $100M | +23.3% | $131M | $4.23 | 23.0% | 30.1% |
| 2021 | $81M | +260.8% | $99M | $3.57 | 26.0% | 31.6% |
| 2020 | $23M | -59.6% | $32M | $0.95 | 7.1% | 10.1% |
| 2019 | $56M | +41.5% | $72M | $2.26 | 17.1% | 22.2% |
| 2018 | $39M | +145.5% | $51M | $1.66 | 13.4% | 17.2% |
| 2017 | $16M | -49.1% | $26M | $0.87 | 7.6% | 12.6% |
| 2016 | $32M | +29.7% | $50M | $2.17 | 16.5% | 26.4% |
| 2015 | $24M | +124.9% | $35M | $1.63 | 14.0% | 20.4% |
| 2014 | $11M | -25.4% | $15M | $0.21 | 12.1% | 17.3% |
| 2013 | $15M | +71.7% | $21M | $0.66 | 15.7% | 22.2% |
| 2012 | $8M | -25.7% | $24M | $1.22 | 11.3% | 32.6% |
| 2011 | $11M | -5.8% | $23M | $0.47 | 12.1% | 24.3% |
| 2010 | $12M | -34.2% | $17M | $0.57 | 11.8% | 16.2% |
| 2009 | $18M | - | $28M | $1.08 | 19.8% | 29.8% |
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MSBI — Frequently Asked Questions
Quick answers to the most common questions about buying MSBI stock.
What is MSBI earnings per share (EPS)?
MSBI trailing twelve-month (TTM) diluted EPS is $-5.69, reflecting -565.2% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2009 to 2025 is available in the table on this page.
What is Midland States Bancorp, Inc.'s net income?
Midland States Bancorp, Inc. (MSBI) trailing twelve-month net income is $-124M as of 2025. Earnings declined -565.2% year-over-year.
Is MSBI profitable?
MSBI is not currently profitable on a TTM basis, reporting a net loss of $-124M. Net margin is -26.6%. Investors should monitor for a return to profitability.
What is MSBI's earnings growth rate?
MSBI compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2009 to 2025.
What are MSBI's profit margins?
Midland States Bancorp, Inc. net profit margin is -26.6%, operating margin is -22.1%, and gross margin is +57.4%. Below-average margins reflect competitive or cost pressures. Return on Equity is -19.5%.
Is MSBI growing earnings?
MSBI earnings are declining — EPS fell -565.2% year-over-year. TTM net income dropped to $-124M. This contrasts with the 5-year CAGR of N/A.
What was MSBI's best earnings year?
Midland States Bancorp, Inc.'s highest annual net income on record is $100M, achieved in fiscal year 2022. Earnings history on this page spans 2009 to 2025 and includes all annual and quarterly figures.
What were MSBI's earnings last quarter?
MSBI's most recent reported quarter was Q4 2025. Net income was $-3M with diluted EPS of $-0.24. For a full breakdown of all quarters, see the quarterly earnings table on this page.