Midland States Bancorp Inc (NASDAQ:MSBI) Reports Mixed Q2 2025 Results: Revenue Beat but EPS Miss

Midland States Bancorp Inc (NASDAQ:MSBI) reported mixed second-quarter results for 2025, with revenue exceeding analyst expectations but earnings per share (EPS) falling short. The Illinois-based bank holding company posted revenue of $82.23 million, surpassing the consensus estimate of $76.85 million. However, diluted EPS came in at $0.44, significantly below the anticipated $0.64.

Key Takeaways from Q2 2025 Earnings

• Net Income Decline: The company reported net income available to common shareholders of $9.8 million, down sharply from $23.5 million in the same quarter last year.
• Revenue Beat: Despite weaker profitability, revenue outperformed expectations by approximately 7.1%.
• EPS Miss: The $0.44 EPS was 31.4% lower than analyst projections, reflecting margin pressures or higher expenses.

Market Reaction

Following the earnings release, the stock showed no immediate after-hours movement, suggesting a neutral initial response. However, over the past two weeks, shares have declined by about 4.8%, indicating some pre-earnings caution among investors. The one-month performance remains slightly positive, up 5.3%, but the recent downtrend may reflect concerns over profitability.

Forward-Looking Estimates

Analysts project Q3 2025 revenue of $77.68 million and EPS of $0.66. For the full year, revenue is estimated at $309.41 million, with earnings expected to reach $2.56 per share. The company did not provide explicit guidance in the press release, leaving investors to rely on external estimates.

For a deeper dive into Midland States Bancorp’s earnings history and future projections, see the full earnings and estimates breakdown here.

Disclaimer: This article is not investment advice. Investors should conduct their own research or consult a financial professional before making decisions.