EPS: As of FY2025 Q2, the actual value is USD 0.44.EBIT: As of FY2025 Q2, the actual value is USD 14.<h3>Segment Revenue</h3><ul><li>Commercial Loans: Total commercial loans amounted to $4,186,476 thousand as of June 30, 2025, compared to $4,251,326 thousand as of December 31, 2024.</li><li>Residential Real Estate Loans: Total residential real estate loans were $361,261 thousand as of June 30, 2025, compared to $380,557 thousand as of December 31, 2024.</li><li>Consumer Loans: Total consumer loans were $140,403 thousand as of June 30, 2025, compared to $144,301 thousand as of December 31, 2024.</li><li>Lease Financing: Lease financing amounted to $347,155 thousand as of June 30, 2025, compared to $391,390 thousand as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: The company reported a net income of $12,024 thousand for the three months ended June 30, 2025, compared to $25,719 thousand for the same period in 2024.</li><li>Provision for Credit Losses: The provision for credit losses was $17,369 thousand for the three months ended June 30, 2025, compared to $8,282 thousand for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: Net cash provided by operating activities was $52,756 thousand for the six months ended June 30, 2025, compared to $74,514 thousand for the same period in 2024.</li><li>Net Cash Provided by Investing Activities: Net cash provided by investing activities was $268,932 thousand for the six months ended June 30, 2025, compared to $34,361 thousand for the same period in 2024.</li><li>Net Cash Used in Financing Activities: Net cash used in financing activities was $259,867 thousand for the six months ended June 30, 2025, compared to $119,290 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: The allowance for credit losses on loans was $92,690 thousand as of June 30, 2025, compared to $111,204 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue focusing on its core lending and deposit services, with an emphasis on maintaining credit quality and managing interest rate risk.</li><li>Non-Core Business: The company is exploring opportunities in wealth management and other non-interest income sources to diversify its revenue streams.</li></ul>

Midland States Bancorp Pref Share MSBIP 7.75 Perp 09/30/27 | 10-Q: FY2025 Q2 EPS: USD 0.44