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Midland States Bancorp MSBI Q2 2025 Annual earnings

Reported September 8, 2025 · After market close

Revenue$118.1M
EPS$0.55

Next report

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

Financials

Q2 2025

Income statement

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Revenue$82.2M-9.5%
Net income$12.0M-53.2%
EPS (diluted)$0.44-58.5%

Balance sheet

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Cash & equivalents$176.6M+41.7%
Total debt$18.8M+10.0%
Total equity$573.7M-22.1%
Total assets$7.1B-7.8%

Cash flow

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Operating cash flow$28.1M-10.8%
CapEx$1.4M-10.6%
Free cash flow$26.7M-10.8%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$367.7M-26.2%
Enterprise value$209.88M-46.3%
P/S1.1×-0.3×

Profitability

See full
FCF margin42.5%+3.5pp

Returns & leverage

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Debt / equity0×0.0×

Segments

By product

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Trust management/administration fees$6.4M+9.9%
Interchange revenues$3.5M-2.8%
Nonsufficient fund fees$2.0M+9.9%
Other Deposit Account$1.3M+3.7%
Service Other$823.0K+60.4%

FAQ

When did Midland States Bancorp report Q2 2025 earnings?
Midland States Bancorp (MSBI) reported Q2 2025 earnings on September 8, 2025 after market close.
What were Midland States Bancorp's Q2 2025 revenue and EPS?
Midland States Bancorp reported revenue of $118.1M and eps of $0.55 for Q2 2025.
How did Midland States Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 65.2% from $71.5M a year earlier and eps grew 175.5% from $0.20.
Where can I find Midland States Bancorp's Q2 2025 SEC filings?
You can read the 10-K periodic report (0001466026-25-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.