Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-124.28	38.04	61.16	100.24	81.32
Depreciation & Amortization	8.12	9	9.54	10.25	11.36
Provision for Credit Losses	120.33	82.56	59.85	76.76	3.39
Stock-Based Compensation	2.91	3.03	2.49	2.21	1.94
Net Change in Loans Held-for-Sale	32.32	-2.56	-1	135.35	235.15
Other Adjustments	156.58	0.07	1.81	-6.39	4.77
Changes in Accrued Interest and Accounts Receivable	1.51	8.8	-4.36	-1.45	4.08
Changes in Accrued Expenses	-40.06	18.02	27.58	-13.58	24.4
Changes in Other Operating Activities	28.73	-18.2	-26.41	-17.58	-31.97
Operating Cash Flow	125.68	176.55	153.36	285.82	334.44
Operating Cash Flow Growth	-28.81%	15.12%	-46.34%	-14.54%	-33.00%
Net Change in Loans Held-for-Investment	1,017	431.17	113.78	-1,216	-258.4
Net Change in Securities and Investments	-269.21	-288.06	-138.89	18.76	-226.64
Payments for Business Acquisitions	-	-	-	60.28	-2.72
Capital Expenditures	-5.35	-6.9	-8.73	-3.47	-2.72
Sale of Property, Plant & Equipment	-	0.04	0.1	0.18	0.65
Other Investing Activities	6.03	0.47	-41.06	2.97	11.33
Investing Cash Flow	748.91	136.71	-74.8	-1,138	-478.5
Net Change in Deposits	-772.86	-112.29	-55.12	174.21	1,010
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-47.32	-113.37	-181.45	215.51	7.85
Long-Term Debt Issued	328	263	215	-	500
Long-Term Debt Repaid	-323.75	-330.76	-30.85	-140.17	-1,009
Net Long-Term Debt Issued (Repaid)	4.25	-67.76	184.16	-140.17	-508.61
Issuance of Common Stock	0.64	1.33	1.67	2.19	2.25
Repurchase of Common Stock	-9.66	-5.48	-17.9	-1.11	-11.69
Net Common Stock Issued (Repurchased)	-9.02	-4.15	-16.23	1.08	-9.44
Issuance of Preferred Stock	-	-	-	110.55	-
Net Preferred Stock Issued (Repurchased)	-	-	-	110.55	-
Common Dividends Paid	-27.68	-27.07	-26.57	-25.92	-25.17
Preferred Share Dividends Paid	-8.91	-8.91	-8.91	-3.17	-
Other Financing Activities	-	-	-	-	8.54
Financing Cash Flow	-861.54	-333.55	-104.13	332.08	482.79
Net Cash Flow	13.05	-20.3	-25.57	-519.74	338.73
Free Cash Flow	120.33	169.65	144.63	282.35	331.72
Free Cash Flow Growth	-29.07%	17.30%	-48.78%	-14.88%	-33.20%
FCF Margin	83.10%	98.52%	65.38%	111.59%	122.50%
Free Cash Flow Per Share	5.51	7.80	6.54	12.61	14.71
Levered Free Cash Flow	-136	-27.9	234.01	-68.93	-422.15
Unlevered Free Cash Flow	-7.06	10.73	-2.39	-25.82	5.15

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q