MSBI Earnings Date: Jan 28, 2027 (Estimated) — Midland States Bancorp, Inc.
NASDAQ · Financials · Banks - Regional
Updated
When is MSBI's next earnings date?
Midland States Bancorp, Inc. (MSBI) is expected to report Q4 2026 earnings on Thursday, January 28, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.87 on revenue of $83.6M.
How did MSBI do in its last earnings report?
In its most recent report on Oct 22, 2026 (Q3 2026), Midland States Bancorp, Inc. posted EPS of $0.95 versus the $0.89 estimate, a beat of 7.0%. Revenue was $86.0M against a $83.8M estimate. The stock's 1-day post-earnings move was +0.1%.
How much does MSBI stock move after earnings?
MSBI beat EPS estimates in 5 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 6.9% (up or down) in the day after earnings.
About Midland States Bancorp, Inc.
Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates in Banking and Wealth Management segments. The company offers commercial loans; commercial real estate loans that include various property types, such as owner-occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, assisted living facilities, and farmland; construction and land development loans, including loans to small and midsized businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments, and loans to individual clients for construction of single family homes; and residential real estate loans comprising first and second mortgage loans, and home equity lines of credit. It also provides commercial equipment leasing; depository products consisting of checking, savings, money market, certificates of deposits, and sweep accounts; and trust and wealth management products and services, such as financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.
🤖 AI Earnings Analysis
Midland States delivered a solid Q3 beat, with EPS of $0.95 topping estimates by $0.06 and revenue of $86M exceeding consensus. However, negative operating margin and sharply distorted reported growth figures cloud earnings quality; regional-bank momentum remains unproven.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-22 | Q3 2026 | 0.89 | 0.95 | +6.98% | $86.0M | ✅ Beat | +0.06% | +2.64% | — |
| 2026-07-23 | Q2 2026 | 0.78 | 0.82 | +5.13% | $83.4M | ✅ Beat | +4.11% | +7.43% | +7.11% |
| 2026-04-23 | Q1 2026 | 0.61 | 0.79 | +29.51% | $79.5M | ✅ Beat | +6.86% | +11.18% | +19.53% |
| 2026-01-22 | Q4 2025 | 0.73 | 0.53 | -27.40% | $85.6M | ❌ Miss | -4.64% | -5.46% | -5.46% |
| 2025-10-30 | Q3 2025 | 0.63 | 0.24 | -61.90% | $81.1M | ❌ Miss | -8.58% | -0.33% | +5.48% |
| 2025-04-30 | Q1 2025 | 0.55 | 0.57 | +3.64% | $75.9M | ✅ Beat | +8.20% | +9.28% | +5.45% |
| 2025-01-23 | Q4 2024 | 0.67 | -2.52 | -476.12% | $75.6M | ❌ Miss | -19.98% | -20.74% | -23.10% |
| 2024-10-24 | Q3 2024 | 0.64 | 0.74 | +15.62% | $74.3M | ✅ Beat | +2.84% | +7.99% | +20.63% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q3 FY26 · $17.1M total
| Segment | Share | Revenue | YoY | Q3 FY24 | Q4 FY24 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Asset Management | 43.5% | $7.4M | +6.6% | $6.2M | $6.7M | $6.4M | $7.0M |
| Interchange Revenues | 23.3% | $4.0M | +15.7% | $3.5M | $3.5M | $3.5M | $3.4M |
| Nonsufficient Fund Fees | 14.3% | $2.4M | +9.2% | $2.1M | $2.1M | $2.0M | $2.2M |
| Other Deposit Account | 7.8% | $1.3M | -2.2% | $1.4M | $1.4M | $1.3M | $1.4M |
| Investment Advisory, Management and Administrative Service | 4.2% | $716K | +19.9% | $494K | $554K | $522K | $597K |
| Other Wealth Management Revenue | 2.9% | $503K | +13.0% | $451K | $381K | $422K | $445K |
| Service, Other | 2.4% | $404K | -14.6% | $2K | $325K | $823K | $473K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.