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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

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TTENK/calls
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TTENK/calls
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Home›MSBI›Financials
Annual statements · SEC XBRL · FY2016 – FY2025

Midland States Bancorp, Inc. (MSBI) financials

Income statement

Midland States Bancorp, Inc. (MSBI) income statement, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income$31.5M$16.1M$39.4M$55.8M$22.5M$81.3M$100M$61.2M$38.0M-$124M
EPS (diluted)$2.17$0.87$1.66$2.26$0.95$3.57$4.28$2.33$1.32-$6.12

Cash flow

Midland States Bancorp, Inc. (MSBI) cash flow, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$24.1M$70.4M$97.1M$539M$499M$334M$286M$153M$177M$126M
Capital expenditures$2.18M$6.18M$7.20M$5.54M$2.59M$2.72M$3.47M$8.73M$6.90M$5.35M
Free cash flow$21.9M$64.3M$89.9M$533M$497M$332M$282M$145M$170M$120M
Share buybacks——$0.00$4.02M$39.6M$11.7M$1.11M$17.9M$5.47M$9.66M
Dividends paid$9.85M$14.0M$20.0M$23.6M$25.0M$25.2M$25.9M$26.6M$27.1M$27.7M

Balance sheet

Midland States Bancorp, Inc. (MSBI) balance sheet, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$191M$215M$214M$395M$342M$680M$161M$135M$115M$128M
Total assets$3.23B$4.41B$5.64B$6.09B$6.87B$7.44B$7.79B$7.79B$7.51B$6.51B
Total liabilities$2.91B$3.96B$5.03B$5.43B$6.25B$6.78B$7.10B$7.21B$6.80B$5.95B
Shareholders' equity$322M$450M$609M$662M$621M$600M$696M$715M$711M$565M
Retained earnings$113M$114M$134M$166M$156M$212M$282M$227M$248M$86.8M
Shares (wtd avg diluted)14.4M18.3M23.5M24.5M23.3M22.5M22.4M22.1M21.7M21.8M

Every figure is extracted from Midland States Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.

Common questions

What is Midland States Bancorp, Inc.'s free cash flow?
$120M in FY2025 (operating cash flow $126M minus $5.35M of capital expenditures), from the SEC cash-flow statement.
Does MSBI pay a dividend?
Yes — Midland States Bancorp, Inc. paid $27.7M in cash dividends during FY2025, per its SEC cash-flow statement.
Full MSBI analysis — verdict, score & filings →Is MSBI a buy? →

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.