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Midland States Bancorp MSBI Q1 2025 Annual earnings

Reported July 24, 2025 · After market close

Revenue$67.7MMiss by $9.0M
EPS$0.44Miss by $0.19
Revenue estimate$76.7M
EPS estimate$0.63

Next report

Oct 29, 2026 (in a month)
Revenue estimate$83.8M
EPS estimate$0.89

Financials

Q1 2025

Income statement

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Revenue$76.1M-22.1%
Net income-$141.0M-722%
EPS (diluted)-$6.58-815%

Balance sheet

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Cash & equivalents$102.0M-39.0%
Total debt$50.7M-77.3%
Total equity$571.4M-21.0%
Total assets$7.3B-6.2%

Cash flow

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Operating cash flow$24.7M-42.7%
CapEx$1.8M+250%
Free cash flow$22.9M-46.3%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$367.99M-33.4%
Enterprise value$316.72M-48.0%
P/S1×-0.5×

Profitability

See full
FCF margin42.4%-2.2pp

Returns & leverage

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Debt / equity0.1×-0.2×

Segments

By product

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Trust management/administration fees$6.4M+2.8%
Interchange revenues$3.2M-6.2%
Nonsufficient fund fees$2.0M+7.2%
Other Deposit Account$1.4M+4.5%
Investment advisory and brokerage fees$483.0K+14.2%

FAQ

When did Midland States Bancorp report Q1 2025 earnings?
Midland States Bancorp (MSBI) reported Q1 2025 earnings on July 24, 2025 after market close.
What were Midland States Bancorp's Q1 2025 revenue and EPS?
Midland States Bancorp reported revenue of $67.7M and eps of $0.44 for Q1 2025.
Did Midland States Bancorp beat estimates in Q1 2025?
Revenue missed the consensus estimate of $76.7M by $9.0M. EPS missed the consensus estimate of $0.63 by $0.19.
How did Midland States Bancorp's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 10.8% from $75.9M a year earlier and eps declined 17.0% from $0.53.
Where can I find Midland States Bancorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001466026-25-000027) and the 10-K periodic report (0001466026-25-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.