Midland States Bancorp, Inc. (MSBI)
NASDAQ: MSBI · Real-Time Price · USD
33.49
-0.27 (-0.80%)
At close: Aug 7, 2026, 4:00 PM EDT
33.47
-0.02 (-0.06%)
After-hours: Aug 7, 2026, 7:34 PM EDT
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 | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 43.02 | -124.28 | 38.04 | 61.16 | 100.24 | 81.32 |
Depreciation & Amortization | 7.73 | 8.12 | 9 | 9.54 | 10.25 | 11.36 |
Provision for Credit Losses | 103.94 | 120.33 | 82.56 | 59.85 | 76.76 | 3.39 |
Stock-Based Compensation | 2.9 | 2.91 | 3.03 | 2.49 | 2.21 | 1.94 |
Net Change in Loans Held-for-Sale | 30.91 | 32.32 | -2.56 | -1 | 135.35 | 235.15 |
Other Adjustments | -23.49 | 156.58 | 0.07 | 1.81 | -6.39 | 4.77 |
Changes in Accrued Interest and Accounts Receivable | 1.38 | 1.51 | 8.8 | -4.36 | -1.45 | 4.08 |
Changes in Accrued Expenses | -25.08 | -40.06 | 18.02 | 27.58 | -13.58 | 24.4 |
Changes in Other Operating Activities | 15.32 | 28.73 | -18.2 | -26.41 | -17.58 | -31.97 |
Operating Cash Flow | 119.36 | 125.68 | 176.55 | 153.36 | 285.82 | 334.44 |
Operating Cash Flow Growth | -35.24% | -28.81% | 15.12% | -46.34% | -14.54% | -33.00% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 Change in Loans Held-for-Investment | - | 1,017 | 431.17 | 113.78 | -1,216 | -258.4 |
Net Change in Securities and Investments | -278.02 | -269.21 | -288.06 | -138.89 | 18.76 | -226.64 |
Cash Acquisitions | - | - | - | - | 60.28 | -2.72 |
Capital Expenditures | -3.01 | -5.35 | -6.9 | -8.73 | -3.47 | -2.72 |
Sale of Property, Plant & Equipment | 0.2 | - | 0.04 | 0.1 | 0.18 | 0.65 |
Other Investing Activities | 6.23 | 6.03 | 0.47 | -41.06 | 2.97 | 11.33 |
Investing Cash Flow | -274.6 | 748.91 | 136.71 | -74.8 | -1,138 | -478.5 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 Change in Deposits | -239.64 | -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 | 125 | 328 | 263 | 215 | - | 500 |
Long-Term Debt Repaid | -110 | -323.75 | -330.76 | -30.85 | -140.17 | -1,009 |
Net Long-Term Debt Issued (Repaid) | 15 | 4.25 | -67.76 | 184.16 | -140.17 | -508.61 |
Issuance of Common Stock | 1.05 | 0.64 | 1.33 | 1.67 | 2.19 | 2.25 |
Repurchase of Common Stock | -20.33 | -9.66 | -5.48 | -17.9 | -1.11 | -11.69 |
Net Common Stock Issued (Repurchased) | -19.28 | -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 | -27.8 | -27.68 | -27.07 | -26.57 | -25.92 | -25.17 |
Preferred Share Dividends Paid | -8.91 | -8.91 | -8.91 | -8.91 | -3.17 | - |
Other Financing Activities | - | - | - | - | - | 8.54 |
Financing Cash Flow | -280.63 | -861.54 | -333.55 | -104.13 | 332.08 | 482.79 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | -435.87 | 13.05 | -20.3 | -25.57 | -519.74 | 338.73 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 116.36 | 120.33 | 169.65 | 144.63 | 282.35 | 331.72 |
Free Cash Flow Growth | -33.99% | -29.07% | 17.30% | -48.78% | -14.88% | -33.20% |
FCF Margin | 40.66% | 45.39% | 66.59% | 51.46% | 85.61% | 120.99% |
Free Cash Flow Per Share | 5.41 | 5.51 | 7.80 | 6.54 | 12.61 | 14.71 |