For the quarter ended September 2026, Midland States Bancorp (MSBI Quick QuoteMSBI - Free Report) reported revenue of $86.16 million, up 6.2% over the same period last year. EPS came in at $0.95, compared to $0.24 in the year-ago quarter.

The reported revenue represents a surprise of +2.45% over the Zacks Consensus Estimate of $84.1 million. With the consensus EPS estimate being $0.90, the EPS surprise was +5.56%.

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 4% estimated by four analysts on average.
• Average Balance - Total interest-earning assets: $6.2 billion versus $6.06 billion estimated by four analysts on average.
• Efficiency Ratio: 61.3% compared to the 59.8% average estimate based on four analysts.
• Net charge-offs to average loans (annualized): 0.5% versus the four-analyst average estimate of 0.7%.
• Nonperforming loans: $58.7 million versus the two-analyst average estimate of $58.5 million.
• Service charges on deposit accounts: $3.78 million versus $3.43 million estimated by four analysts on average.
• Wealth management revenue: $8.65 million versus $8.94 million estimated by four analysts on average.
• Interchange revenue: $3.98 million compared to the $3.65 million average estimate based on four analysts.
• Net Interest Income (FTE)/Adjusted net interest income: $62.92 million versus $60.67 million estimated by four analysts on average.
• Total Noninterest Income: $23.24 million versus $23.51 million estimated by four analysts on average.
• Residential mortgage banking revenue: $0.22 million versus the four-analyst average estimate of $0.75 million.
• Credit enhancement income: $3.11 million versus the three-analyst average estimate of $2.57 million.

View all Key Company Metrics for Midland States Bancorp here>>>

Shares of Midland States Bancorp have returned +0.6% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.