Midland States Bancorp (MSBI) reported $81.13 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 9.2%. EPS of $0.24 for the same period compares to $0.74 a year ago.
The reported revenue represents a surprise of +1.73% over the Zacks Consensus Estimate of $79.75 million. With the consensus EPS estimate being $0.61, the EPS surprise was -60.66%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 3.8% versus 3.6% estimated by two analysts on average.
- Net charge-offs to average loans: 1% compared to the 0.8% average estimate based on two analysts.
- Efficiency Ratio: 61.3% versus the two-analyst average estimate of 62.4%.
- Average Balance - Total interest-earning assets: $6.41 billion versus $6.57 billion estimated by two analysts on average.
- Residential mortgage banking revenue: $0.74 million compared to the $0.9 million average estimate based on two analysts.
- Wealth management revenue: $8.02 million versus $7.23 million estimated by two analysts on average.
- Net Interest Income (FTE)/Adjusted net interest income: $61.33 million versus the two-analyst average estimate of $59.1 million.
- Total Noninterest Income: $20.02 million compared to the $21.29 million average estimate based on two analysts.
- Service charges on deposit accounts: $3.6 million versus $3.18 million estimated by two analysts on average.
- Interchange revenue: $3.45 million versus $3.24 million estimated by two analysts on average.
View all Key Company Metrics for Midland States Bancorp here>>>
Shares of Midland States Bancorp have returned -3.9% over the past month versus the Zacks S&P 500 composite's +3.6% 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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