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MSBI earnings at a glance
Midland States Bancorp, Inc. (MSBI) is scheduled to report earnings on Thursday, October 29, 2026 — in 5 days. Analysts expect earnings per share of $0.90, compared with $0.24 in the same quarter last year (+275%). The options market is pricing a move of about ±13.2% after the report, a range of roughly $28.62 to $37.34 from today's $32.98. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±5.4% on average; after the most recent report on Jul 23, 2026 it moved +4.1%. That means options currently expect more movement than MSBI has typically delivered. MSBI beat the consensus EPS estimate in 3 of its last 6 reported quarters. Implied volatility is currently 112%. The share price of $32.98 sits near its 52-week high.
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Overview
Earnings trends
Earnings history
| Date | Period | Actual EPS | Est | Surprise | YoY %Δ | Day react | Source |
|---|---|---|---|---|---|---|---|
| Thu Jul 23, 2026 | Jun/2026 | $0.82 | $0.78 | +5.1% | +77.3% | +4.1% | earnings |
| Thu Apr 23, 2026 | 8K 2026-04-23 | $0.79 | $0.60 | +31.7% | — | +6.9% | earnings |
| Thu Jan 22, 2026 | 8K 2026-01-22 | $0.53 | $0.70 | -24.3% | — | -4.6% | earnings |
| Thu Oct 30, 2025 | Sep/2025 | $0.24 | $0.61 | -60.7% | — | -8.6% | earnings |
| Thu Jul 24, 2025 | Jun/2025 | $0.44 | $0.63 | -30.2% | — | -0.2% | earnings |
| Wed Apr 30, 2025 | Mar/2025 | $0.57 | $0.52 | +9.6% | — | +8.2% | earnings |
| Mon Sep 30, 2024 | Sep 2024 | $0.83 | — | — | — | — | financials |
| Sun Jun 30, 2024 | Jun 2024 | $1.06 | — | — | — | — | financials |
| Sun Mar 31, 2024 | Mar 2024 | $0.92 | — | — | — | — | financials |
| Sat Sep 30, 2023 | Sep 2023 | $0.41 | — | — | — | — | financials |
| Fri Jun 30, 2023 | Jun 2023 | $0.86 | — | — | — | — | financials |
| Fri Sep 30, 2022 | Sep 2022 | $1.04 | — | — | — | — | financials |
| Thu Jun 30, 2022 | Jun 2022 | $0.97 | — | — | — | — | financials |
| Thu Mar 31, 2022 | Mar 2022 | $0.92 | — | — | — | — | financials |
Upcoming
| Date | Fiscal | Time | EPS Est | LY EPS | YoY %Δ |
|---|---|---|---|---|---|
| Thu Oct 29, 2026 | Sep/2026 | OTHER | $0.90 | $0.24 | +275.0% |
Financials
Income statement (quarterly)
| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $20M | $18M | — | $8M | $12M | $-141M | — | $20M |
| EPS (diluted) | $0.82 | $0.74 | — | $0.24 | $0.44 | $-6.58 | — | $0.83 |
Balance sheet (quarterly)
| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $299M | $114M | $128M | $166M | $177M | $102M | $115M | $122M |
| Inventory | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| Total assets | $6.70B | $6.55B | $6.51B | $6.91B | $7.11B | $7.28B | $7.51B | $7.70B |
| Long-term debt | — | — | — | — | — | — | — | — |
| Total liabilities | $6.13B | $5.99B | $5.95B | $6.33B | $6.53B | $6.71B | $6.80B | — |
| Total equity | $570M | $559M | $565M | $584M | $574M | $571M | $711M | $771M |
Implied volatility — last 90 days
Sector peers
MSBI earnings FAQ
When is MSBI's next earnings date?
Midland States Bancorp, Inc. is expected to report on October 29, 2026.
What is MSBI's expected move for earnings?
Options currently price a move of about ±13.2%, or $4.36 per share either way from $32.98.
How does MSBI stock usually react to earnings?
Across the last 6 reports the average next-day move was ±5.4%, up 3 times and down 3 times.
What EPS are analysts expecting from Midland States Bancorp, Inc.?
The consensus estimate is $0.90 per share, versus $0.24 a year ago.
What is MSBI's implied volatility?
MSBI's at-the-money implied volatility is about 112% based on the latest options snapshot.