For the quarter ended December 2025, Midland States Bancorp (MSBI) reported revenue of $85.57 million, up 13.2% over the same period last year. EPS came in at $0.53, compared to -$2.52 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $78.5 million, representing a surprise of +9.01%. The company delivered an EPS surprise of -24.29%, with the consensus EPS estimate being $0.70.
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: 3.7% compared to the 3.7% average estimate based on two analysts.
- Net charge-offs to average loans: 3.7% versus 3% estimated by two analysts on average.
- Efficiency Ratio: 63.1% versus the two-analyst average estimate of 62.6%.
- Average Balance - Total interest-earning assets: $6.26 billion versus $6.27 billion estimated by two analysts on average.
- Residential mortgage banking revenue: $0.69 million compared to the $0.8 million average estimate based on two analysts.
- Wealth management revenue: $8.27 million versus the two-analyst average estimate of $8.05 million.
- Net Interest Income (FTE)/Adjusted net interest income: $58.92 million versus the two-analyst average estimate of $58.03 million.
- Total Noninterest Income: $26.87 million compared to the $20.08 million average estimate based on two analysts.
- Service charges on deposit accounts: $3.57 million versus $3.83 million estimated by two analysts on average.
- Interchange revenue: $3.44 million versus the two-analyst average estimate of $3.23 million.
View all Key Company Metrics for Midland States Bancorp here>>>
Shares of Midland States Bancorp have returned +11.3% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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