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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

Date not yet announced

Financials

Q1 2026

Income statement

See full
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

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

Segments

By product

See full
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%

Versus estimates

Revenue

Q2 2026$83.7MBeat by $3.0M
Q1 2026$81.1MBeat by $5.5M
Q4 2025$85.8MBeat by $11.7MQ3 2025$78.1MMiss by $1.1MQ2 2025$118.1MQ1 2025$67.7MMiss by $9.0M

Diluted EPS

Q2 2026$0.82Beat by $0.04
Q1 2026$0.79Beat by $0.19
Q4 2025$0.53Miss by $0.17Q3 2025$0.24Miss by $0.37Q2 2025$0.55Q1 2025$0.44Miss by $0.19

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Questions, answered.

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.