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Midland States Bancorp, Inc. (MSBI)
Financial Services · Banks - Regional · NasdaqGS
Midland States Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $380.49M | $340.22M | $356.27M | $290.36M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $31.54M | $16.06M | $39.42M | $55.78M | $22.54M | $81.32M | $100.24M | $61.16M | $38.04M | $-124.28M |
| Net margin | — | — | — | — | — | — | 26.3% | 18.0% | 10.7% | -42.8% |
Source: Midland States Bancorp, Inc. SEC filings (10-K). 12 years of history available in the interactive view.
What growth is priced into MSBI stock?
At today's market cap of $605.93M, Midland States Bancorp, Inc. is priced for free-cash-flow growth of about -12% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $120.33M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -24.7%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 12 years of Midland States Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Midland States Bancorp, Inc. financial history by metric
About Midland States Bancorp, Inc.
Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
Midland States Bancorp, Inc. — frequently asked questions
What is Midland States Bancorp, Inc.'s revenue?
Midland States Bancorp, Inc. (MSBI) reported revenue of $290.36M for fiscal year 2025, down 18.5% from the prior year, according to its SEC filings.
Is Midland States Bancorp, Inc. profitable?
No — MSBI reported a net loss of $-124.28M in fiscal 2025.
What is MSBI's P/E ratio?
Midland States Bancorp, Inc. trades at a price-to-earnings ratio of about 24.4 based on the latest data in our nightly-refreshed cache.
How much debt does Midland States Bancorp, Inc. have?
As of fiscal year 2025, MSBI carried roughly $380.20M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Midland States Bancorp, Inc.'s market cap?
Midland States Bancorp, Inc. (MSBI) has a market capitalization of about $605.93M, based on the latest data in our nightly-refreshed cache.
When does Midland States Bancorp, Inc.'s fiscal year end?
MSBI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into MSBI stock?
At today's market cap of $605.93M, Midland States Bancorp, Inc. is priced for free-cash-flow growth of about -12% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $120.33M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -24.7%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Midland States Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 12 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.