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Compared to Estimates, Midland States Bancorp (MSBI) Q2 Earnings: A Look at Key Metrics
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Midland States Bancorp (MSBI - Free Report) reported $83.36 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 1.4%. EPS of $0.82 for the same period compares to $0.44 a year ago.
The reported revenue represents a surprise of +3.29% over the Zacks Consensus Estimate of $80.7 million. With the consensus EPS estimate being $0.78, the EPS surprise was +5.13%.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 4% versus the two-analyst average estimate of 3.9%.
Net charge-offs to average loans (annualized): 1.2% versus the two-analyst average estimate of 0.6%.
Efficiency Ratio: 60.6% versus the two-analyst average estimate of 63.1%.
Average Balance - Total interest-earning assets: $6.03 billion compared to the $6.06 billion average estimate based on two analysts.
Residential mortgage banking revenue: $0.69 million versus $0.91 million estimated by two analysts on average.
Wealth management revenue: $8.77 million versus $8.05 million estimated by two analysts on average.
Net Interest Income (FTE)/Adjusted net interest income: $59.8 million compared to the $58.89 million average estimate based on two analysts.
Total Noninterest Income: $23.77 million versus $21.34 million estimated by two analysts on average.
Service charges on deposit accounts: $3.45 million versus the two-analyst average estimate of $3.3 million.
Interchange revenue: $3.55 million versus the two-analyst average estimate of $3.73 million.
Shares of Midland States Bancorp have returned +2.2% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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Compared to Estimates, Midland States Bancorp (MSBI) Q2 Earnings: A Look at Key Metrics
Midland States Bancorp (MSBI - Free Report) reported $83.36 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 1.4%. EPS of $0.82 for the same period compares to $0.44 a year ago.
The reported revenue represents a surprise of +3.29% over the Zacks Consensus Estimate of $80.7 million. With the consensus EPS estimate being $0.78, the EPS surprise was +5.13%.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:View all Key Company Metrics for Midland States Bancorp here>>>
Shares of Midland States Bancorp have returned +2.2% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.