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 with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Midland States Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 64.2% versus 67.7% estimated by two analysts on average.
• Average Interest-Earning Assets: $6.80 billion versus $6.77 billion estimated by two analysts on average.
• Net charge-offs to average loans: 1.4% versus the two-analyst average estimate of 0.4%.
• Net Interest Margin: 3.5% compared to the 3.2% average estimate based on two analysts.
• Wealth management revenue: $7.35 million versus $7.30 million estimated by two analysts on average.
• Service charges on deposit accounts: $3.31 million versus $3.59 million estimated by two analysts on average.
• Net Interest Income (FTE)/Adjusted net interest income: $58.39 million compared to the $53.85 million average estimate based on two analysts.
• Residential mortgage banking revenue: $0.68 million versus $0.75 million estimated by two analysts on average.
• Total Noninterest Income: $17.76 million compared to the $19 million average estimate based on two analysts.
• Interchange revenue: $3.15 million versus the two-analyst average estimate of $3.72 million.

View all Key Company Metrics for Midland States Bancorp here>>>

Shares of Midland States Bancorp have returned -4.2% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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