Revenue: As of FY2025 Q3, the actual value is USD 118.51 M.EPS: As of FY2025 Q3, the actual value is USD 0.24.EBIT: As of FY2025 Q3, the actual value is USD -49.8 M.<h3>Segment Revenue</h3><ul><li>Net Interest Income: $61.1 million in Q3 2025, compared to $58.7 million in Q2 2025 and $59.1 million in Q3 2024.</li><li>Total Noninterest Income: $20.0 million in Q3 2025, compared to $23.5 million in Q2 2025 and $33.5 million in Q3 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $7.6 million in Q3 2025, compared to $12.0 million in Q2 2025 and $20.4 million in Q3 2024.</li><li>Diluted Earnings Per Share: $0.24 in Q3 2025, compared to $0.44 in Q2 2025 and $0.83 in Q3 2024.</li><li>Total Noninterest Expenses: $49.8 million in Q3 2025, consistent with Q3 2024.</li><li>Provision for Credit Losses: $20.0 million in Q3 2025, compared to $17.4 million in Q2 2025 and $17.9 million in Q3 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Not explicitly detailed in the reference.</li><li>Free Cash Flow: Not explicitly detailed in the reference.</li></ul><h3>Unique Metrics</h3><ul><li>Tangible Book Value Per Share: $21.16 in Q3 2025, up from $20.68 in Q2 2025 and $22.70 in Q3 2024.</li><li>Efficiency Ratio: 61.3% in Q3 2025, compared to 60.6% in Q2 2025 and 53.6% in Q3 2024.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company has ceased equipment finance production effective September 30, 2025, to reduce exposure to higher-risk asset classes.</li><li>The common equity tier 1 capital ratio is on track to reach the 10.0% target.</li><li>Revenue trends were positive, bolstered by the expansion of the net interest margin and strong contribution from the wealth management platform, which posted a record quarter with $8 million of revenue.</li><li>The company plans to lower credit costs in 2026, focus on growing the Community Bank, build regulatory capital, and expand fee income through deeper core relationships.</li></ul>

Midland States Bancorp Pref Share MSBIP 7.75 Perp 09/30/27 | 8-K: FY2025 Q3 Revenue: USD 118.51 M