What does gain (loss) on sale of loan portfolios mean?

Represents the net realized gain or loss recognized from the bulk sale of loan portfolios to third-party investors. This metric reflects the bank's ability to manage its balance sheet liquidity and the market valuation of its loan assets relative to their carrying value.

Midland States Bancorp MSBI Gain (Loss) on Sale of Loan Portfolios

Gain (Loss) on Sale of Loan Portfolios at other companies

Dime Community Bancshares DCOM

$72K-36.8%

BSR

Sierra BancorpBSRR

$2K+103%

Cathay General BancorpCATY

$0-100%

Horizon BancorpHBNC

$0-100%

Mid Penn BancorpMPB

$163K+186%

ChoiceOne FinancialCOFS

$408K-8.1%

Other financials

Income statement

See full

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

See full

Net margin10.7%—

FCF margin37%-5.4pp

Returns & leverage

See full

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:GainLossOnSaleOfLoanPortfolios.

The official record: Midland States Bancorp’s 10-K, filed March 2, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Midland States Bancorp's gain (loss) on sale of loan portfolios?: Midland States Bancorp (MSBI) reported gain (loss) on sale of loan portfolios of -$5.76M in Q4 2025.
What does gain (loss) on sale of loan portfolios mean?: Represents the net realized gain or loss recognized from the bulk sale of loan portfolios to third-party investors. This metric reflects the bank's ability to manage its balance sheet liquidity and the market valuation of its loan assets relative to their carrying value.