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Midland States Bancorp MSBI Q3 2026 earnings

Reported October 22, 2026 · After market close

Revenue$86.1MBeat by $2.4M
EPS$0.95Beat by $0.06
Revenue estimate$83.8M
EPS estimate$0.89

Next report

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

Financials

Q3 2026

Income statement

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Revenue$86.0M+5.9%
Net income$22.8M+202%
EPS (diluted)$0.95+296%

Balance sheet

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Cash & equivalents$99.6M-40.0%
Total debt$159.7M+2.0%
Total equity$531.4M-9.0%
Total assets$6.8B-1.4%

Cash flow

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Operating cash flow$38.4M-52.0%
CapEx$513.0K-62.6%
Free cash flow$37.9M-51.8%

Valuation & ratios

Valuation

as of 10/30/26
See full
Market cap$702.04M+103%
Enterprise value$762.16M+127%
P/E12.1×—
P/S2.1×+1.1×

Profitability

See full
Net margin17.4%—
FCF margin24.9%-29.3pp

Returns & leverage

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Return on equity10.4%—
Debt / equity0.3×0.0×

Segments

By product

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Trust management/administration fees$7.4M+6.6%
Interchange revenues$4.0M+15.7%
Nonsufficient fund fees$2.4M+9.2%
Investment advisory and brokerage fees$716.0K+19.9%
Other$503.0K+13.0%

FAQ

When did Midland States Bancorp report Q3 2026 earnings?
Midland States Bancorp (MSBI) reported Q3 2026 earnings on October 22, 2026 after market close.
What were Midland States Bancorp's Q3 2026 revenue and EPS?
Midland States Bancorp reported revenue of $86.1M and eps of $0.95 for Q3 2026.
Did Midland States Bancorp beat estimates in Q3 2026?
Revenue beat the consensus estimate of $83.8M by $2.4M. EPS beat the consensus estimate of $0.89 by $0.06.
How did Midland States Bancorp's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.2% from $78.1M a year earlier and eps grew 295.8% from $0.24.
Where can I find Midland States Bancorp's Q3 2026 SEC filings?
You can read the 8-K earnings release (0001466026-26-000097) and the 10-Q periodic report (0001466026-26-000099) directly on SEC EDGAR. The filing index links above go to sec.gov.