Midland States Bancorp, Inc. — Earnings Quality Grade F
MSBI · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change +4 days YoY
AR growth -5.9% vs revenue growth -18.5%
Revenue -18.5%, CFFO -28.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -22.5% vs revenue -18.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -1.01. Below 1.0
FCF $0.1B, FCF/NI = -0.97
Accruals ratio = -3.8%. Low accruals
Cash $0.1B covers only 33% of debt $0.4B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 5% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -85% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Midland States Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25