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Midland States Bancorp MSBI Mortgage servicing rights

Mortgage servicing rights at other companies

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Other financials

Income statement

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Revenue$79.5M+4.6%
Net income$18.5M+113%
EPS (diluted)$0.74+111%

Balance sheet

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Cash & equivalents$113.7M+11.4%
Total debt$162.4M+220%
Total equity$559.0M-2.2%
Total assets$6.5B-10.1%

Cash flow

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Operating cash flow$17.0M-31.3%
CapEx$619.0K-66.5%
Free cash flow$16.3M-28.5%

Valuation

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Market cap$688.97M+82.8%
Enterprise value$737.72M+237%
P/E19.6×—
P/S2.1×+1.0×

Profitability

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Net margin10.7%—
FCF margin37%-5.4pp

Returns & leverage

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Return on equity6.2%—
Debt / equity0.3×+0.2×

Where this comes from

Reported directly by Midland States Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ServicingAsset.

The source filing: Midland States Bancorp’s 10-Q, filed April 30, 2026.

Filed
Apr 30, 2026, 4:10 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001466026-26-000049
Line itemMarch 31,2026December 31,2025
Other real estate owned514606
Nonmarketable equity securities29,83532,598
Accrued interest receivable25,87523,824
Loan servicing rights, at lower of cost or fair value11,68811,932
Loan servicing rights, held for sale—3,661
Goodwill7,9277,927
Other intangible assets, net8,1598,876
Company-owned life insurance220,630218,554

ITEM 1 – FINANCIAL STATEMENTS

FAQ

What is Midland States Bancorp's mortgage servicing rights?
Midland States Bancorp (MSBI) reported mortgage servicing rights of $11.69M in Q1 2026.
How has Midland States Bancorp's mortgage servicing rights changed year-over-year?
Midland States Bancorp's mortgage servicing rights decreased by 32.4% year-over-year, from $17.28M to $11.69M.
What is the long-term trend for Midland States Bancorp's mortgage servicing rights?
Over 5 years (2020 to 2025), Midland States Bancorp's mortgage servicing rights has grown at a -21.5% compound annual growth rate (CAGR), from $40.15M to $11.93M.
What does mortgage servicing rights mean?
This represents the capitalized value of the contractual right to service mortgage loans that have been sold to third-party investors. It generates a recurring fee-based revenue stream for the bank, though its value is sensitive to interest rate fluctuations and prepayment speeds.

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