What is Midland States Bancorp's net margin?

Midland States Bancorp (MSBI) reported net margin of 10.7% in Q1 2026.

What is the long-term trend for Midland States Bancorp's net margin?

Over 4 years (2020 to 2025), Midland States Bancorp's net margin has grown at a 45.0% compound annual growth rate (CAGR), from 8.7% to -38.2%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Midland States Bancorp MSBI Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

First Mid Bancshares, Inc.FMBH

26.5%+2.0pp

Stifel FinancialSF

15.3%+3.1pp

Regions FinancialRF

29.2%+0.9pp

Mid Penn BancorpMPB

21.1%-6.6pp

Eastern Bankshares, Inc.EBC

35.1%+24.6pp

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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FCF margin37%-5.4pp

Returns & leverage

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Return on equity6.2%—

Debt / equity0.3×+0.2×

Where this comes from

Calculated from Midland States Bancorp’s reported figures.

net income/total revenue=10.7%

Based on trailing twelve months.

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 net margin?: Midland States Bancorp (MSBI) reported net margin of 10.7% in Q1 2026.
What is the long-term trend for Midland States Bancorp's net margin?: Over 4 years (2020 to 2025), Midland States Bancorp's net margin has grown at a 45.0% compound annual growth rate (CAGR), from 8.7% to -38.2%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.