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Midland States Bancorp MSBI Interchange revenue

Interchange revenue at other companies

ChoiceOne Financial logo
ChoiceOne FinancialCOFS
$1.89M+25.4%
Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.51M+6.0%
Shore Bancshares logo
Shore BancsharesSHBI
$1.7M+7.7%
First Financial Corporation logo
First Financial CorporationTHFF
$186K-13.1%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.23M+3.4%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$1.51M+6.5%

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 msbi:FeesAndCommissionsFromDebitCards.

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 interchange revenue?
Midland States Bancorp (MSBI) reported interchange revenue of $3.53M in Q1 2026.
How has Midland States Bancorp's interchange revenue changed year-over-year?
Midland States Bancorp's interchange revenue increased by 12.0% year-over-year, from $3.15M to $3.53M.
What is the long-term trend for Midland States Bancorp's interchange revenue?
Over 4 years (2021 to 2025), Midland States Bancorp's interchange revenue has grown at a -1.8% compound annual growth rate (CAGR), from $14.5M to $13.5M.
What does interchange revenue mean?
This represents the revenue earned from processing debit card transactions for customers. It is a recurring, volume-driven fee income stream that correlates with consumer spending habits and card usage. Higher interchange revenue typically signals strong retail banking engagement and transaction volume.