← Midland States Bancorp, Inc. MSBI
Market Price
$33.41
Market Cap
$697.35M
P/E Ratio
N/A
Revenue (FY 2025)
↑8.1% YoY
$31.02M
3-Yr CAGR: 6.5%
Net Income
↓-426.7% YoY
-$124.28M
Net Margin: -400.7%
Free Cash Flow
↓-29.1% YoY
$120.33M
FCF Yield: 17.26%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
-22.0%
ROA: -1,400.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (MSBI)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2018: Revenue YoY (+53.8%) is identical to Gross Profit YoY (+53.8%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2019: Revenue YoY (+6.4%) is identical to Gross Profit YoY (+6.4%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (+4.4%) is identical to Gross Profit YoY (+4.4%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+17.6%) is identical to Gross Profit YoY (+17.6%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (-4.1%) is identical to Gross Profit YoY (-4.1%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (-0.5%) is identical to Gross Profit YoY (-0.5%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+12.2%) is identical to Gross Profit YoY (+12.2%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+8.1%) is identical to Gross Profit YoY (+8.1%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | — | — | — | — | — | — | — | $25.5M | $23.5M | — |
| FY 2017 | $13.3M | — | $13.3M | $16.1M | — | — | — | $70.5M | $64.3M | +173.8% |
| FY 2018 | $20.5M | +53.8% | $20.5M | $39.4M | +145.5% | — | — | $97.1M | $89.9M | +39.8% |
| FY 2019 | $21.8M | +6.4% | $21.8M | $55.8M | +41.5% | — | — | $119.4M | $113.9M | +26.7% |
| FY 2020 | $22.8M | +4.4% | $22.8M | $22.5M | -59.6% | — | — | $499.1M | $496.6M | +336.1% |
| FY 2021 | $26.8M | +17.6% | $26.8M | $81.3M | +260.8% | — | — | $334.4M | $331.7M | -33.2% |
| FY 2022 | $25.7M | -4.1% | $25.7M | $99.0M | +21.8% | — | — | $236.8M | $233.3M | -29.7% |
| FY 2023 | $25.6M | -0.5% | $25.6M | $75.5M | -23.8% | — | — | $154.6M | $145.9M | -37.5% |
| FY 2024 | $28.7M | +12.2% | $28.7M | $38.0M | -49.6% | — | — | $176.5M | $169.6M | +16.3% |
| FY 2025 | $31.0M | +8.1% | $31.0M | $-124.3M | -426.7% | — | — | $125.7M | $120.3M | -29.1% |
Valuation
Market Price
$33.41
Market Cap
$697.35M
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
1.22
FCF Yield
17.26%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
7.55%
Operating Margin
-370.31%
Net Margin
-400.66%
Return on Equity (ROE)
-21.98%
Return on Assets (ROA)
-1,400.19%
Asset Turnover
3.49x
Revenue 3-Yr CAGR
6.46%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$127.81M
Total Debt
N/A
Book Value / Share
$27.28
Cash Flow Efficiency
Operating Cash Flow
$125.68M
Capital Expenditures (CapEx)
$5.35M
Free Cash Flow
$120.33M
OCF / Revenue
405.17%
FCF / Revenue
387.93%
FCF 3-Yr CAGR
-19.80%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$27.28
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$8.88M
Total Liabilities
$5.95B
Stockholders' Equity
$565.50M
Current Assets
N/A
Current Liabilities
N/A