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Midland States Bancorp MSBI Q1 2026 earnings

Reported April 23, 2026 · After market close

Revenue$81.1MBeat by $5.5M
EPS$0.79Beat by $0.19
Revenue estimate$75.6M
EPS estimate$0.60

Next report

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

Financials

Q1 2026

Income statement

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Revenue$79.5M+4.6%
Net income$18.5M+113%
EPS (diluted)$0.74+111%

Balance sheet

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Cash & equivalents$113.7M+11.4%
Total debt$162.4M+220%
Total equity$559.0M-2.2%
Total assets$6.5B-10.1%

Cash flow

See full
Operating cash flow$17.0M-31.3%
CapEx$619.0K-66.5%
Free cash flow$16.3M-28.5%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$478.91M+30.1%
Enterprise value$527.66M+66.6%
P/E13.6×—
P/S1.5×+0.4×

Profitability

See full
Net margin10.7%—
FCF margin37%-5.4pp

Returns & leverage

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Return on equity6.2%—
Debt / equity0.3×+0.2×

Segments

By product

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Trust management/administration fees$7.2M+11.3%
Interchange revenues$3.5M+12.0%
Nonsufficient fund fees$2.1M+6.9%
Other Deposit Account$1.3M-6.3%
Investment advisory and brokerage fees$653.0K+35.2%

FAQ

When did Midland States Bancorp report Q1 2026 earnings?
Midland States Bancorp (MSBI) reported Q1 2026 earnings on April 23, 2026 after market close.
What were Midland States Bancorp's Q1 2026 revenue and EPS?
Midland States Bancorp reported revenue of $81.1M and eps of $0.79 for Q1 2026.
Did Midland States Bancorp beat estimates in Q1 2026?
Revenue beat the consensus estimate of $75.6M by $5.5M. EPS beat the consensus estimate of $0.60 by $0.19.
How did Midland States Bancorp's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.8% from $67.7M a year earlier and eps grew 79.5% from $0.44.
Where can I find Midland States Bancorp's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001466026-26-000045) and the 10-Q periodic report (0001466026-26-000049) directly on SEC EDGAR. The filing index links above go to sec.gov.