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Midland States Bancorp MSBI Banking — Provision for Loan, Lease, and Other Losses

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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$632.47M+80.0%
Enterprise value$681.22M+127%
P/E18×
P/S1.9×+0.9×

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:ProvisionForLoanLeaseAndOtherLosses.

The official record: Midland States Bancorp’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Midland States Bancorp's banking — provision for loan, lease, and other losses?
Midland States Bancorp (MSBI) reported banking — provision for loan, lease, and other losses of $5M in Q1 2026.
How has Midland States Bancorp's banking — provision for loan, lease, and other losses changed year-over-year?
Midland States Bancorp's banking — provision for loan, lease, and other losses decreased by 53.9% year-over-year, from $10.85M to $5M.
What is the long-term trend for Midland States Bancorp's banking — provision for loan, lease, and other losses?
Over 4 years (2021 to 2025), Midland States Bancorp's banking — provision for loan, lease, and other losses has grown at a 104.9% compound annual growth rate (CAGR), from $3.39M to $59.85M.
What does banking — provision for loan, lease, and other losses mean?
This metric reflects the expense set aside by the banking segment to cover potential losses from loan defaults or credit deterioration. It serves as a critical indicator of the segment's credit risk management and the health of its loan portfolio.