Midland States Bancorp Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
4analysts covering
FY EPS (est.)
$3.18next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly391.0%Target: Maintain above 3.75%
Efficiency Ratio Quarterly6,217.0%Target: Below 60.00%
Common Equity Tier 1 (CET1) Ratio Quarterly998.0%Target: 10.00%
Nonperforming Assets (NPA) Ratio Quarterly91.0%Target: Below 0.80%
Watch Items
- Commercial Real Estate (CRE) Loan ConcentrationTrigger: CRE loans exceeding 55% of total loan portfolioAction: Re-evaluate underwriting standards and limit new originations in high-risk sub-sectors.
- Dividend Payout Ratio SustainabilityTrigger: Payout ratio exceeding 50% of projected FY 2026 earningsAction: Review capital allocation strategy and assess potential dividend growth pause or adjustment.
Research as of 19 Jun 2026