业绩总结 - 截至2024年12月31日，总资产为75亿美元，调整后的资产回报率（ROAA）为-0.17%[7] - 2024年第四季度，普通股东可用净亏损为5480万美元，稀释每股收益为-2.52美元[9] - 2024年第四季度，预税、预拨备收益为2150万美元，强劲的非利息收入为1960万美元[9] - 2024年第四季度，净利差扩大9个基点至3.19%[9] - 2024年第四季度，贷款与存款比率下降至83.4%，上季度为91.9%[9] - 2024年第四季度，效率比率为71.4%，较2024年第三季度的62.8%显著上升[54] 用户数据 - 贷款总额从上季度减少581.2百万美元至51.68亿美元，主要由于出售Lending Point投资组合和持续减少设备融资组合[19] - 总存款从上季度减少5960万美元至61.97亿美元，主要由于高成本定期存款的减少[26] - 零售存款为2,750百万美元，商业存款为1,210百万美元，公共资金存款为506百万美元，财富与信托存款为341百万美元，服务存款为896百万美元，代理存款为473百万美元[28] - 2024年第四季度的总存款为6,310百万美元，较3Q24的6,257百万美元略有上升[28] - 2024年第四季度，财富管理的资产管理总额为4,153百万美元，较3Q24减少116百万美元[48] 未来展望 - 预计到2025年底，核心一级资本比率将提高至9.25%-9.50%[13] - 2025年，公司将专注于市场内的贷款机会，预计将降低信用风险[59] - 预计2025年将受益于较低的利率，导致融资成本降低，从而扩大净利差[59] 新产品和新技术研发 - 2024年第四季度，财富管理收入因新增财富顾问而增加[9] - 2024年第四季度，非利息收入为19.6百万美元，较3Q24增加[50] 负面信息 - 2024年第四季度，不良贷款占总贷款的比例有所上升，净核销率为7.23%[56] - 2024年第四季度，商业贷款的拨备（ACL）为867.5万美元，占总贷款的1.06%[58] - 设备融资贷款的拨备（ACL）为1154.2万美元，占总贷款的2.77%[58] - 消费者其他贷款的拨备（ACL）为250.3万美元，占总贷款的4.10%[58] 市场扩张和并购 - 2024年第四季度，社区银行贷款稳定增长，St. Louis地区贷款年化增长率为8%[23] - 2024年12月31日，商业、CRE和设备融资贷款的总余额为46.3亿美元[62]

Midland States Bancorp (MSBI) could be a solid choice for investors given its recent upgrade to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.Individu ...

EFFINGHAM, Ill., May 23, 2025 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (NASDAQ: MSBI) (the “Company”) today announced that it received an expected deficiency notification letter from the Listing Qualifications Staff of The Nasdaq Stock Market LLC (“Nasdaq”) on May 19, 2025 (the “Notice”). The Notice indicated that the Company was not in compliance with Nasdaq Listing Rule 5250(c)(1) (the “Listing Rule”) as a result of its failure to timely file its Annual Report on Form 10-K for the year ended Decem ...

Midland States Bancorp (MSBI) reported $75.95 million in revenue for the quarter ended March 2025, representing a year-over-year decline of 1.5%. EPS of $0.57 for the same period compares to $0.53 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $72.75 million, representing a surprise of +4.40%. The company delivered an EPS surprise of +9.62%, with the consensus EPS estimate being $0.52.While investors scrutinize revenue and earnings changes year-over-year and how they compare wit ...

Midland States Bancorp (MSBI) came out with quarterly earnings of $0.57 per share, beating the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $0.53 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 9.62%. A quarter ago, it was expected that this company would post earnings of $0.70 per share when it actually produced a loss of $2.52, delivering a surprise of -460%.Over the last four quarters, the compa ...

"We are working diligently to resolve the delay in our audited financials, although we want to emphasize that we do not expect a material impact to first quarter tangible equity or regulatory capital levels, and that our unaudited preliminary first quarter results already reflect the previously disclosed accounting methodology changes, for a small third party guaranteed loan portfolio. "Improving credit quality remains a strategic priority, and during the first quarter we had no significant new substandard ...

EFFINGHAM, Ill., April 30, 2025 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (Nasdaq: MSBI) (the “Company”) reported preliminary results for the first quarter of 2025. As previously disclosed, the Company is completing its evaluation, subject to review by its independent registered public accounting firm, of the accounting and financial reporting of third-party lending and servicing arrangements, including the collection and analysis of third-party documentation, not material to tangible equity. This pr ...

EFFINGHAM, Ill., April 09, 2025 (GLOBE NEWSWIRE) -- Midland States Bancorp, Inc. (NASDAQ: MSBI) (the “Company”) today announced that it received an expected deficiency notification letter from the Listing Qualifications Staff of The Nasdaq Stock Market LLC (“Nasdaq”) on April 3, 2025 (the “Notice”). The Notice indicated that the Company was not in compliance with Nasdaq Listing Rule 5250(c)(1) (the “Listing Rule”) as a result of its failure to timely file its Annual Report on Form 10-K for the year ended De ...

文章核心观点 公司董事会宣布了普通股和优先股的现金股息支付计划，并介绍了公司基本情况 [1][2][3] 股息宣布情况 - 董事会宣布普通股每股0.31美元的季度现金股息，2025年2月21日支付给2月14日收盘时登记在册的股东 [1] - 董事会宣布A系列7.75%固定利率重置非累积永续优先股每股0.4844美元的现金股息，2025年3月31日支付给3月17日登记在册的股东 [2] 公司基本情况 - 公司是一家社区金融控股公司，总部位于伊利诺伊州埃芬厄姆，是Midland States Bank的唯一股东 [3] - 截至2024年12月31日，公司总资产约75.3亿美元，财富管理集团管理资产约41.5亿美元 [3] - 公司提供全方位商业和个人银行产品及服务、商业设备融资、商户信用卡服务、信托和投资管理、保险和财务规划服务 [3] 联系方式 - 首席财务官Eric T. Lemke，邮箱elemke@midlandsb.com，电话(217) 342-7321 [4]

文章核心观点 - 介绍Midland States Bancorp 2024年第四季度财报情况及关键指标表现，供投资者参考以判断公司财务健康和股价表现 [1][2][3] 财务数据 - 2024年第四季度营收7560万美元，同比下降3.8%，比Zacks共识预期的7385万美元高出2.36% [1] - 2024年第四季度每股收益为 - 2.52美元，去年同期为0.89美元，比共识预期的0.70美元低460.00% [1] 股价表现 - 过去一个月，公司股价回报率为 - 0.4%，而Zacks标准普尔500综合指数变化为 + 2.7% [3] - 目前公司股票Zacks排名为3（持有），表明短期内表现可能与大盘一致 [3] 关键指标表现 - 效率比率为71.4%，高于两位分析师平均估计的62.7% [4] - 平均生息资产为70.1亿美元，低于两位分析师平均估计的70.6亿美元 [4] - 净冲销与平均贷款比率为7.2%，高于两位分析师平均估计的0.5% [4] - 净息差为3.2%，高于两位分析师平均估计的3.1% [4] - 财富管理收入为766万美元，高于两位分析师平均估计的708万美元 [4] - 存款账户服务费为351万美元，高于两位分析师平均估计的313万美元 [4] - 净利息收入（FTE）/调整后净利息收入为5626万美元，高于两位分析师平均估计的5532万美元 [4] - 住宅抵押贷款银行业务收入为64万美元，低于两位分析师平均估计的68万美元 [4] - 非利息总收入为1956万美元，高于两位分析师平均估计的1815万美元 [4] - 交换收入为353万美元，低于两位分析师平均估计的378万美元 [4]