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Midland States Bancorp MSBI Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$85.8MBeat by $11.7M
EPS$0.53Miss by $0.17
Revenue estimate$74.1M
EPS estimate$0.70

Next report

Date not yet announced

Financials

Q4 2025

Income statement

See full
Revenue$85.6M-8.9%
Net income-$2.9M—
EPS (diluted)-$0.24—

Balance sheet

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Cash & equivalents$127.8M+11.4%
Total debt$69.5M-28.8%
Total equity$565.5M-20.4%
Total assets$6.5B-13.2%

Cash flow

See full
Operating cash flow--100%
CapEx$740.0K-72.8%
Free cash flow--100%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$456.25M-12.6%
Enterprise value$397.92M-21.2%
P/S1.4×0.0×

Profitability

See full
Net margin-38.2%—
FCF margin39.4%-5.8pp

Returns & leverage

See full
Return on equity-19.5%—
Debt / equity0.1×0.0×

Segments

By product

See full
Trust management/administration fees$7.1M+6.0%
Interchange revenues$3.4M-2.6%
Nonsufficient fund fees$2.2M+4.5%
Other Deposit Account$1.3M-2.1%
Investment advisory and brokerage fees$660.0K+19.1%

Versus estimates

Revenue

Q2 2026$83.7MBeat by $3.0MQ1 2026$81.1MBeat by $5.5M
Q4 2025$85.8MBeat by $11.7M
Q3 2025$78.1MMiss by $1.1MQ2 2025$118.1MQ1 2025$67.7MMiss by $9.0M

Diluted EPS

Q2 2026$0.82Beat by $0.04Q1 2026$0.79Beat by $0.19
Q4 2025$0.53Miss by $0.17
Q3 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 Q4 2025 earnings?
Midland States Bancorp (MSBI) reported Q4 2025 earnings on January 22, 2026 after market close.
What were Midland States Bancorp's Q4 2025 revenue and EPS?
Midland States Bancorp reported revenue of $85.8M and eps of $0.53 for Q4 2025.
Did Midland States Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $74.1M by $11.7M. EPS missed the consensus estimate of $0.70 by $0.17.
How did Midland States Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 37.2% from $136.6M a year earlier.
Where can I find Midland States Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001466026-26-000012) and the 10-K periodic report (0001466026-26-000020) directly on SEC EDGAR. The filing index links above go to sec.gov.