Midland States Bancorp, Inc. (MSBI) — Cash Flow Quality Index
Midland States Bancorp, Inc. (MSBI) has a Cash Flow Quality Index of 1.48x as of June 2026. Operating cash flow of $29.47 Million exceeds net income of $19.89 Million, indicating high earnings quality where cash backs reported profits. Explore Midland States Bancorp, Inc. cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Midland States Bancorp, Inc. Cash Flow Quality Index (2008–2024)
Historical Cash Flow Quality Index for Midland States Bancorp, Inc. across 17 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see MSBI cash generation efficiency.
Annual Cash Flow Quality Index for Midland States Bancorp, Inc. (2008–2024)
Year-by-year earnings quality comparison for Midland States Bancorp, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 4.64x | $176.55 Million | $38.04 Million | ▲ +126.4% |
| 2023 | 2.05x | $154.64 Million | $75.46 Million | ▼ -14.3% |
| 2022 | 2.39x | $236.75 Million | $99.03 Million | ▼ -41.9% |
| 2021 | 4.11x | $334.44 Million | $81.32 Million | ▼ -81.4% |
| 2020 | 22.15x | $499.15 Million | $22.54 Million | ▲ +934.7% |
| 2019 | 2.14x | $119.41 Million | $55.78 Million | ▼ -13.1% |
| 2018 | 2.46x | $97.09 Million | $39.42 Million | ▼ -43.9% |
| 2017 | 4.39x | $70.46 Million | $16.06 Million | ▲ +473.5% |
| 2016 | 0.77x | $24.13 Million | $31.53 Million | ▼ -74.6% |
| 2015 | 3.01x | $73.52 Million | $24.41 Million | ▲ +51.6% |
| 2014 | 1.99x | $21.50 Million | $10.82 Million | ▼ -7.0% |
| 2013 | 2.14x | $30.99 Million | $14.51 Million | ▲ +1133.8% |
| 2012 | 0.17x | $2.37 Million | $13.66 Million | ▼ -90.9% |
| 2011 | 1.90x | $21.58 Million | $11.37 Million | ▲ +28.0% |
| 2010 | 1.48x | $17.90 Million | $12.07 Million | ▲ +201.4% |
| 2009 | 0.49x | $9.02 Million | $18.34 Million | ▼ -72.5% |
| 2008 | 1.79x | $3.82 Million | $2.14 Million | — |