Midland States Bancorp, Inc. (MSBI) — Cash Flow-to-Debt Ratio
Midland States Bancorp, Inc. (MSBI) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $29.47 Million could theoretically repay 0% of its total liabilities ($6.13 Billion) in one year. See Midland States Bancorp, Inc. free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Midland States Bancorp, Inc. Cash Flow-to-Debt Ratio (2009–2025)
Historical debt coverage capacity for Midland States Bancorp, Inc. across 17 annual periods. For the full cash flow conversion analysis, see Midland States Bancorp, Inc. (MSBI) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Midland States Bancorp, Inc. (2009–2025)
Year-by-year debt coverage analysis for Midland States Bancorp, Inc.. Check Midland States Bancorp, Inc. cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $125.68 Million | $5.95 Billion | ▼ -18.7% |
| 2024 | 0.03x | $176.55 Million | $6.80 Billion | ▲ +18.9% |
| 2023 | 0.02x | $154.64 Million | $7.08 Billion | ▼ -34.5% |
| 2022 | 0.03x | $236.75 Million | $7.10 Billion | ▼ -32.4% |
| 2021 | 0.05x | $334.44 Million | $6.78 Billion | ▼ -38.3% |
| 2020 | 0.08x | $499.15 Million | $6.25 Billion | ▲ +263.0% |
| 2019 | 0.02x | $119.41 Million | $5.43 Billion | ▲ +14.0% |
| 2018 | 0.02x | $97.09 Million | $5.03 Billion | ▲ +8.6% |
| 2017 | 0.02x | $70.46 Million | $3.96 Billion | ▲ +114.6% |
| 2016 | 0.01x | $24.13 Million | $2.91 Billion | ▼ -70.1% |
| 2015 | 0.03x | $73.52 Million | $2.65 Billion | ▲ +216.8% |
| 2014 | 0.01x | $21.50 Million | $2.46 Billion | ▼ -55.1% |
| 2013 | 0.02x | $30.99 Million | $1.59 Billion | ▲ +1087.5% |
| 2012 | 0.00x | $2.37 Million | $1.44 Billion | ▼ -89.4% |
| 2011 | 0.02x | $21.58 Million | $1.39 Billion | ▲ +32.2% |
| 2010 | 0.01x | $17.90 Million | $1.53 Billion | ▲ +35.1% |
| 2009 | 0.01x | $9.02 Million | $1.04 Billion | — |