Midland States Bancorp, Inc. (MSBI)
NASDAQ: MSBI · Real-Time Price · USD
32.98
+0.02 (0.06%)
Oct 23, 2026, 4:00 PM EDT - Market closed
Midland States Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | -124.28 | 38.04 | 61.16 | 100.24 | 81.32 |
Depreciation & Amortization | 11.95 | 13.16 | 12.72 | 14.38 | 16.35 |
Gain (Loss) on Sale of Assets | -0.14 | -0.03 | -0.82 | 3.37 | -0.25 |
Gain (Loss) on Sale of Investments | -13.71 | -6.56 | 6.96 | 2.54 | 3.66 |
Total Asset Writedown | 154.66 | 12.72 | - | 5.54 | 7.99 |
Provision for Credit Losses | 59.85 | 120.33 | 82.56 | 76.76 | 3.39 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 32.32 | -2.56 | -1 | 135.35 | 235.15 |
Accrued Interest Receivable | 1.51 | 8.8 | -4.36 | -1.45 | 4.08 |
Change in Other Net Operating Assets | -11.33 | -0.18 | 1.17 | -31.16 | -7.57 |
Other Operating Activities | -8.55 | -7.91 | -5.12 | -21.12 | -6.66 |
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% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -5.35 | -6.9 | -8.73 | -3.47 | -2.72 |
Sale of Property, Plant and Equipment | - | 0.04 | 0.1 | 0.18 | 0.65 |
Cash Acquisitions | - | - | - | 60.28 | -2.72 |
Investment in Securities | -269.21 | -288.06 | -138.89 | 18.76 | -226.64 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 1,017 | 431.17 | 113.78 | -1,216 | -258.4 |
Other Investing Activities | 1.17 | - | -48.6 | 1.52 | 2.12 |
Investing Cash Flow | 748.91 | 136.71 | -74.8 | -1,138 | -478.5 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | 52.63 | - | 250 | 7.85 |
Long-Term Debt Issued | 328 | 263 | 215 | - | 500 |
Total Debt Issued | 328 | 315.63 | 215 | 250 | 507.85 |
Short-Term Debt Repaid | -47.32 | -166 | -181.45 | -34.49 | - |
Long-Term Debt Repaid | -323.75 | -330.76 | -30.85 | -140.17 | -1,009 |
Total Debt Repaid | -371.07 | -496.76 | -212.29 | -174.66 | -1,009 |
Net Debt Issued (Repaid) | -43.07 | -181.13 | 2.71 | 75.34 | -500.77 |
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 |
Preferred Stock Issued | - | - | - | 110.55 | - |
Common Dividends Paid | -27.68 | -27.07 | -26.57 | -25.92 | -25.17 |
Preferred Dividends Paid | -8.91 | -8.91 | -8.91 | -3.17 | - |
Total Dividends Paid | -36.59 | -35.99 | -35.49 | -29.09 | -25.17 |
Net Increase (Decrease) in Deposit Accounts | -772.86 | -112.29 | -55.12 | 174.21 | 1,010 |
Other Financing Activities | - | - | - | - | 8.54 |
Financing Cash Flow | -861.54 | -333.55 | -104.13 | 332.08 | 482.79 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 13.05 | -20.3 | -25.57 | -519.74 | 338.73 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
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% |
Free Cash Flow Margin | 45.39% | 66.65% | 51.59% | 86.13% | 117.84% |
Free Cash Flow Per Share | 5.51 | 7.80 | 6.54 | 12.61 | 14.71 |