Revenue: As of FY2024, the actual value is USD 426.13 M.EPS: As of FY2024, the actual value is USD 1.32.EBIT: As of FY2024, the actual value is USD 46.9 M.<h3>Segment Revenue</h3><ul><li>Commercial Loans: $1,359,820 thousand, representing 26.3% of total loans as of December 31, 2024, compared to $1,505,454 thousand or 24.7% as of December 31, 2023.</li><li>Commercial Real Estate Loans: $2,591,664 thousand, representing 50.1% of total loans as of December 31, 2024, compared to $2,406,845 thousand or 39.4% as of December 31, 2023.</li><li>Construction and Land Development Loans: $299,842 thousand, representing 5.8% of total loans as of December 31, 2024, compared to $452,593 thousand or 7.4% as of December 31, 2023.</li><li>Residential Real Estate Loans: $380,557 thousand, representing 7.4% of total loans as of December 31, 2024, compared to $380,583 thousand or 6.2% as of December 31, 2023.</li><li>Consumer Loans: $144,301 thousand, representing 2.8% of total loans as of December 31, 2024, compared to $884,767 thousand or 14.5% as of December 31, 2023.</li><li>Lease Financing: $391,390 thousand, representing 7.6% of total loans as of December 31, 2024, compared to $473,350 thousand or 7.8% as of December 31, 2023.</li></ul><h3>Operational Metrics</h3><ul><li>Net Charge-offs: $167,377 thousand for the year ended December 31, 2024, compared to $52,130 thousand for the year ended December 31, 2023.</li><li>Allowance for Credit Losses: $111,204 thousand or 2.15% of total loans as of December 31, 2024, compared to $159,319 thousand or 2.61% of total loans as of December 31, 2023.</li></ul><h3>Unique Metrics</h3><ul><li>Nonperforming Loans: Increased to $150,907 thousand as of December 31, 2024, from $56,351 thousand as of December 31, 2023.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company has taken strategic actions to address credit quality issues, particularly in non-core consumer loans, Specialty Finance Group, and Midland Equipment Financing, which are expected to better position the company going forward.</li></ul>

Midland States Bancorp Pref Share MSBIP 7.75 Perp 09/30/27 | 10-K: FY2024 Revenue: USD 426.13 M