Midland States Bancorp Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $388.8M-8.9% YoYTTM through 30 Jun 2026
Net Income $43M+13.1% YoYTTM through 30 Jun 2026
Free Cash Flow $116.4MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 14.9% |
| Net Margin | -32.0% |
Returns
-22.0%ROE
-1.9%ROA
15.4%ROIC
Balance Sheet Health
Debt / Equity0.01x
Net Debt-$291.1Mnet cash position
Cash & Equivalents$298.7M
Quality Metrics
Piotroski F-Score5 / 9
FCF Margin29.9%
Earnings-Beat Rate50.0%
Multi-Year Trend
Diluted EPS$1.57TTMFY2025: $-5.69
Dividend
$0.64Per share, FY20261.95%Yield-10.6%5-yr growth
Capital Allocation
Capex Intensity0.8%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Community Banking | View detailsFocusing resources and capital on core community banking operations following the strategic exit and sale of the equipment finance portfolio. | ||
| Wealth Management | View detailsBright spot with assets under administration growing approximately 8% in 2025. |
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