Midland States Bancorp, Inc. (MSBI) — Financial Flexibility Index
Midland States Bancorp, Inc. (MSBI) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $29.75 Million (operating CF $29.47 Million minus capex $276.00K) represents 0% of total liabilities ($6.13 Billion). Check MSBI cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Midland States Bancorp, Inc. Financial Flexibility Index (2009–2025)
Historical Financial Flexibility Index trend for Midland States Bancorp, Inc. across 17 annual periods. For the full cash flow conversion analysis, see cash flow conversion of Midland States Bancorp, Inc..
Annual Financial Flexibility Index for Midland States Bancorp, Inc. (2009–2025)
Year-by-year free cash flow to debt coverage for Midland States Bancorp, Inc.. Explore MSBI operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $131.03 Million | $125.68 Million | $5.95 Billion | ▼ -18.4% |
| 2024 | 0.03x | $183.45 Million | $176.55 Million | $6.80 Billion | ▲ +16.9% |
| 2023 | 0.02x | $163.37 Million | $154.64 Million | $7.08 Billion | ▼ -31.8% |
| 2022 | 0.03x | $240.22 Million | $236.75 Million | $7.10 Billion | ▼ -31.9% |
| 2021 | 0.05x | $337.16 Million | $334.44 Million | $6.78 Billion | ▼ -38.1% |
| 2020 | 0.08x | $501.74 Million | $499.15 Million | $6.25 Billion | ▲ +248.7% |
| 2019 | 0.02x | $124.94 Million | $119.41 Million | $5.43 Billion | ▲ +11.1% |
| 2018 | 0.02x | $104.29 Million | $97.09 Million | $5.03 Billion | ▲ +7.2% |
| 2017 | 0.02x | $76.64 Million | $70.46 Million | $3.96 Billion | ▲ +114.1% |
| 2016 | 0.01x | $26.30 Million | $24.13 Million | $2.91 Billion | ▼ -69.9% |
| 2015 | 0.03x | $79.64 Million | $73.52 Million | $2.65 Billion | ▲ +202.1% |
| 2014 | 0.01x | $24.42 Million | $21.50 Million | $2.46 Billion | ▼ -54.3% |
| 2013 | 0.02x | $34.58 Million | $30.99 Million | $1.59 Billion | ▲ +433.3% |
| 2012 | 0.00x | $5.88 Million | $2.37 Million | $1.44 Billion | ▼ -85.3% |
| 2011 | 0.03x | $38.79 Million | $21.58 Million | $1.39 Billion | ▲ +48.9% |
| 2010 | 0.02x | $28.55 Million | $17.90 Million | $1.53 Billion | ▲ +86.7% |
| 2009 | 0.01x | $10.41 Million | $9.02 Million | $1.04 Billion | — |