Midland States Bancorp (MSBI) reported $82.23 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 13.1%. EPS of $0.44 for the same period compares to $0.20 a year ago.
The reported revenue represents a surprise of +6.24% over the Zacks Consensus Estimate of $77.4 million. With the consensus EPS estimate being $0.63, the EPS surprise was -30.16%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Midland States Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 3.6% versus the two-analyst average estimate of 3.5%.
- Net charge-offs to average loans: 2.3% compared to the 0.6% average estimate based on two analysts.
- Efficiency Ratio: 60.6% versus 63.3% estimated by two analysts on average.
- Average Balance - Total interest-earning assets: $6.64 billion versus $6.86 billion estimated by two analysts on average.
- Residential mortgage banking revenue: $0.76 million compared to the $0.85 million average estimate based on two analysts.
- Wealth management revenue: $7.38 million compared to the $7.23 million average estimate based on two analysts.
- Net Interest Income (FTE)/Adjusted net interest income: $58.96 million versus $60.26 million estimated by two analysts on average.
- Total Noninterest Income: $23.53 million versus the two-analyst average estimate of $17.26 million.
- Service charges on deposit accounts: $3.35 million versus $3.09 million estimated by two analysts on average.
- Interchange revenue: $3.46 million compared to the $3.09 million average estimate based on two analysts.
View all Key Company Metrics for Midland States Bancorp here>>>
Shares of Midland States Bancorp have returned +8.4% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Midland States Bancorp, Inc. (MSBI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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