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Midland States Bancorp MSBI Q2 2026 earnings

Reported July 23, 2026 · After market close

Revenue$83.7MBeat by $3.0M
EPS$0.82Beat by $0.04
Revenue estimate$80.7M
EPS estimate$0.78

Next report

Jan 28, 2027 (in 3 months)
Revenue estimate$84.6M
EPS estimate$0.89

Financials

Q2 2026

Income statement

See full
Revenue$83.4M+1.4%
Net income$19.9M+65.4%
EPS (diluted)$0.82+86.4%

Balance sheet

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Cash & equivalents$298.7M+69.2%
Total debt$16.3M-13.3%
Total equity$569.7M-0.7%
Total assets$6.7B-5.7%

Cash flow

See full
Operating cash flow$29.5M+5.1%
CapEx$276.0K-80.1%
Free cash flow$29.2M+9.5%

Valuation & ratios

Valuation

as of 06/30/26
See full
Market cap$645.53M+75.6%
Enterprise value$363.05M+73.0%
P/E15×—
P/S2×+0.9×

Profitability

See full
Net margin13.1%—
FCF margin37.7%-4.9pp

Returns & leverage

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Return on equity7.5%—
Debt / equity0×0.0×

Segments

By product

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Trust management/administration fees$7.7M+19.2%
Interchange revenues$3.6M+2.6%
Nonsufficient fund fees$2.2M+7.1%
Investment advisory and brokerage fees$619.0K+18.6%
Other$477.0K+13.0%

FAQ

When did Midland States Bancorp report Q2 2026 earnings?
Midland States Bancorp (MSBI) reported Q2 2026 earnings on July 23, 2026 after market close.
What were Midland States Bancorp's Q2 2026 revenue and EPS?
Midland States Bancorp reported revenue of $83.7M and eps of $0.82 for Q2 2026.
Did Midland States Bancorp beat estimates in Q2 2026?
Revenue beat the consensus estimate of $80.7M by $3.0M. EPS beat the consensus estimate of $0.78 by $0.04.
How did Midland States Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 29.1% from $118.1M a year earlier and eps grew 48.8% from $0.55.
Where can I find Midland States Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001466026-26-000071) and the 10-Q periodic report (0001466026-26-000078) directly on SEC EDGAR. The filing index links above go to sec.gov.