Midland States Bancorp, Inc. (MSBI) Earnings History
Profitable17 years of earnings data (2009–2025) · Positive TTM net income
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Midland States Bancorp, Inc. (MSBI) Earnings Overview
As of July 7, 2026, Midland States Bancorp, Inc. (MSBI) reported trailing twelve-month net income of $35M, reflecting -565.2% year-over-year growth. The company earned $1.65 per diluted share over the past four quarters, with a net profit margin of -26.6%.
Looking at the long-term picture, MSBI's historical earnings data spans multiple years. The company achieved its highest annual net income of $100M in fiscal 2022.
Midland States Bancorp, Inc. maintains positive profitability with a gross margin of 57.4%, operating margin of -22.1%, and net margin of -26.6%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including MBWM ($92M net income, 23.9% margin), FULT ($393M net income, 20.7% margin), IBCP ($70M net income, 21.7% margin), MSBI has room to improve margins relative to the peer group. Compare MSBI vs MBWM →
MSBI Earnings vs Peers
Earnings metrics vs comparable public companies
MSBI Historical Earnings Data (2009–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$124M | -426.7% | -$103M | $-6.14 | -26.6% | -22.1% |
| 2024 | $38M | -37.8% | $47M | $1.32 | 7.0% | 8.6% |
| 2023 | $61M | -39.0% | $88M | $2.33 | 12.0% | 17.3% |
| 2022 | $100M | +23.3% | $131M | $4.23 | 23.0% | 30.1% |
| 2021 | $81M | +260.8% | $99M | $3.57 | 26.0% | 31.6% |
| 2020 | $23M | -59.6% | $32M | $0.95 | 7.1% | 10.1% |
| 2019 | $56M | +41.5% | $72M | $2.26 | 17.1% | 22.2% |
| 2018 | $39M | +145.5% | $51M | $1.66 | 13.4% | 17.2% |
| 2017 | $16M | -49.1% | $26M | $0.87 | 7.6% | 12.6% |
| 2016 | $32M | +29.7% | $50M | $2.17 | 16.5% | 26.4% |
| 2015 | $24M | +124.9% | $35M | $1.63 | 14.0% | 20.4% |
| 2014 | $11M | -25.4% | $15M | $0.21 | 12.1% | 17.3% |
| 2013 | $15M | +71.7% | $21M | $0.66 | 15.7% | 22.2% |
| 2012 | $8M | -25.7% | $24M | $1.22 | 11.3% | 32.6% |
| 2011 | $11M | -5.8% | $23M | $0.47 | 12.1% | 24.3% |
| 2010 | $12M | -34.2% | $17M | $0.57 | 11.8% | 16.2% |
| 2009 | $18M | - | $28M | $1.08 | 19.8% | 29.8% |
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MSBI — Frequently Asked Questions
Quick answers to the most common questions about buying MSBI stock.
What is MSBI earnings per share (EPS)?
MSBI trailing twelve-month (TTM) diluted EPS is $1.65, reflecting -565.2% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2009 to 2025 is available in the table on this page.
What is Midland States Bancorp, Inc.'s net income?
Midland States Bancorp, Inc. (MSBI) trailing twelve-month net income is $35M as of 2025. Earnings declined -565.2% year-over-year.
Is MSBI profitable?
Yes, MSBI is profitable with a TTM net income of $35M and a net profit margin of -26.6%.
What is MSBI's earnings growth rate?
MSBI compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2009 to 2025.
What are MSBI's profit margins?
Midland States Bancorp, Inc. net profit margin is -26.6%, operating margin is -22.1%, and gross margin is +57.4%. Below-average margins reflect competitive or cost pressures. Return on Equity is -19.5%.
Is MSBI growing earnings?
MSBI earnings are declining — EPS fell -565.2% year-over-year. TTM net income dropped to $35M. This contrasts with the 5-year CAGR of N/A.
What was MSBI's best earnings year?
Midland States Bancorp, Inc.'s highest annual net income on record is $100M, achieved in fiscal year 2022. Earnings history on this page spans 2009 to 2025 and includes all annual and quarterly figures.
What were MSBI's earnings last quarter?
MSBI's most recent reported quarter was Q1 2026. Net income was $18M with diluted EPS of $0.76. For a full breakdown of all quarters, see the quarterly earnings table on this page.