What does wealth management — credit enhancement income mean?

This represents revenue generated from providing guarantees or credit support services within the wealth management or related financial services framework. It reflects the income earned for assuming specific credit risks on behalf of clients or investment vehicles. This metric highlights the segment's involvement in risk-mitigation products and its impact on total revenue.

Midland States Bancorp (MSBI) Wealth Management — Credit enhancement income

Screener

Other segment segments

Banking

$9.9M-83.8%

Corporate

$0—

Similar metrics at other companies

FINWCredit enhancement income

$5.86M+6,799%

TRMKWealth Management — Wealth Management Income

$10.76M+14.0%

MSWealth Management1 — Asset management

$5.26B+19.3%

MRBKWealth management income — Wealth management income

$1.71M+14.3%

MRBKWealth — Wealth management income

$1.61M+11.3%

KKRCredit Enhancements

$49.77B+12.7%

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$694.99M+82.8%

Enterprise value$743.74M+237%

P/E19.8×—

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 msbi:CreditEnhancementIncome.

The source filing: Midland States Bancorp’s 10-K, filed March 2, 2026.

Filed: Mar 2, 2026, 12:19 PM EST
Fiscal year: FY2025
Accession: 0001466026-26-000020

(dollars in thousands) / Year Ended December 31, 2025	Banking	Wealth Management	Corporate	Total
Net interest income (expense)	245,161	(76)	(8,281)	236,804
Provision for credit losses	59,849	—	—	59,849
Wealth management revenue	—	31,019	—	31,019
Credit enhancement income	9,904	—	—	9,904
Other noninterest income	51,798	—	(4,541)	47,257
Total noninterest income	61,702	31,019	(4,541)	88,180
Salaries and employee benefits	87,989	16,411	—	104,400
Depreciation expense	4,848	44	—	4,892

ITEM 8 – FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Midland States Bancorp's wealth management — credit enhancement income?: Midland States Bancorp (MSBI) reported wealth management — credit enhancement income of $0 in Q4 2025.
What does wealth management — credit enhancement income mean?: This represents revenue generated from providing guarantees or credit support services within the wealth management or related financial services framework. It reflects the income earned for assuming specific credit risks on behalf of clients or investment vehicles. This metric highlights the segment's involvement in risk-mitigation products and its impact on total revenue.