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Midland States Bancorp MSBI Q3 2025 earnings

Reported October 30, 2025 · After market close

Revenue$78.1MMiss by $1.1M
EPS$0.24Miss by $0.37
Revenue estimate$79.2M
EPS estimate$0.61

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full
Revenue$81.1M-12.4%
Net income$7.6M-63.0%
EPS (diluted)$0.24-71.1%

Balance sheet

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Cash & equivalents$166.1M+36.3%
Total debt$156.5M+542%
Total equity$584.0M-24.3%
Total assets$6.9B-10.3%

Cash flow

See full
Operating cash flow$80.0M+72.0%
CapEx$1.4M-34.8%
Free cash flow$78.6M+77.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$369.26M-24.1%
Enterprise value$359.65M-7.5%
P/S1.1×-0.2×

Profitability

See full
FCF margin54.3%+8.4pp

Returns & leverage

See full
Debt / equity0.3×+0.2×

Segments

By product

See full
Trust management/administration fees$7.0M+13.2%
Interchange revenues$3.4M-1.8%
Nonsufficient fund fees$2.2M+8.6%
Other Deposit Account$1.4M+0.8%
Investment advisory and brokerage fees$597.0K+20.9%

Versus estimates

Revenue

Q2 2026$83.7MBeat by $3.0MQ1 2026$81.1MBeat by $5.5MQ4 2025$85.8MBeat by $11.7M
Q3 2025$78.1MMiss by $1.1M
Q2 2025$118.1MQ1 2025$67.7MMiss by $9.0M

Diluted EPS

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

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Questions, answered.

When did Midland States Bancorp report Q3 2025 earnings?
Midland States Bancorp (MSBI) reported Q3 2025 earnings on October 30, 2025 after market close.
What were Midland States Bancorp's Q3 2025 revenue and EPS?
Midland States Bancorp reported revenue of $78.1M and eps of $0.24 for Q3 2025.
Did Midland States Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $79.2M by $1.1M. EPS missed the consensus estimate of $0.61 by $0.37.
How did Midland States Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.0% from $72.4M a year earlier and eps declined 67.6% from $0.74.
Where can I find Midland States Bancorp's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001466026-25-000070) directly on SEC EDGAR. The filing index links above go to sec.gov.