Financial Performance - The company reported a consolidated revenue of $X billion for the quarter, representing a Y% increase compared to the previous quarter[1] - The gross margin improved to J%, reflecting better cost management and operational efficiencies[8] User Growth - User data showed an increase in active users to Z million, up A% year-over-year[2] Future Outlook - The company expects to achieve a revenue growth of B% for the next fiscal year, driven by new product launches and market expansion[3] - The company has set a performance guidance of I million barrels of oil equivalent (boe) per day for the upcoming quarter[7] Market Expansion - The company plans to expand its market presence in D regions, targeting a market share increase of E%[5] - A recent acquisition of F company is expected to enhance the company's capabilities in G sector, with an anticipated contribution of H million to annual revenue[6] Research and Development - Investment in R&D for new technologies increased by C%, focusing on sustainable energy solutions[4] Strategic Initiatives - The company is actively pursuing strategic partnerships to enhance its supply chain resilience and reduce operational risks[9] - Future capital expenditures are projected to be K billion, focusing on infrastructure and technology upgrades[10] Organizational Structure - References to "APA" and "Apache" indicate the company's consolidated subsidiaries, highlighting the structure of the organization[18]

Customer Growth and Retention - The number of customers contributing over $100,000 in annual recurring revenue (ARR) increased from 2,261 as of September 30, 2024, to 2,602 as of September 30, 2025, reflecting a year-over-year growth rate of 15%[148] - The total number of customers on the platform grew from 16,975 as of September 30, 2024, to 17,623 as of September 30, 2025, representing a year-over-year growth rate of 4%[148] - The gross retention rate (GRR) improved to 95% as of September 30, 2025, up from 94% as of September 30, 2024, indicating strong customer loyalty[149] Financial Performance - Revenue for the three months ended September 30, 2025, was $338,851,000, representing a 15% increase from $295,885,000 in the same period of 2024, with 77% of the increase attributed to existing customers and 23% to new customers[181] - Revenue for the nine months ended September 30, 2025, increased by $123.7 million, or 15%, compared to the same period in 2024, with approximately 56% from existing customers and 44% from new customers[188] - Gross profit for the three months ended September 30, 2025, was $270,089,000, a 12% increase from $240,931,000 in 2024, resulting in a gross margin of 80%[182] - Gross profit for the nine months ended September 30, 2025, was $772.0 million, reflecting a $71.1 million increase or 10% from $700.9 million in 2024, resulting in a gross margin of 79%[189] Operating Expenses - Total operating expenses for the three months ended September 30, 2025, were $285,119,000, compared to $277,428,000 in 2024, reflecting an increase in sales and marketing, research and development, and general and administrative expenses[176] - Research and development expenses for the three months ended September 30, 2025, were $88,049,000, up from $80,791,000 in 2024, indicating continued investment in product development[167] - Sales and marketing expenses for the three months ended September 30, 2025, were $144,290,000, slightly increasing from $141,370,000 in 2024, as the company continues to invest in customer growth[166] - General and administrative expenses for the three months ended September 30, 2025, were $52,780,000, compared to $55,267,000 in 2024, showing a decrease in this category[168] Net Loss and Income - The net loss for the three months ended September 30, 2025, was $9,101,000, compared to a net loss of $26,388,000 in the same period of 2024[176] - The company reported a loss from operations of $15.0 million for the three months ended September 30, 2025, an improvement from a loss of $36.5 million in 2024[203] - Non-GAAP income from operations was $58.6 million for the three months ended September 30, 2025, compared to $26.3 million in 2024, reflecting a non-GAAP operating margin of 17%[203] Cash Flow and Capital Management - Cash, cash equivalents, and marketable securities totaled $727.9 million as of September 30, 2025[205] - Net cash provided by operating activities was $185.3 million during the nine months ended September 30, 2025, despite a net loss of $63.2 million[214] - The company generated positive cash flows from operations in recent years but continues to report losses, with an accumulated deficit of $1.3 billion as of September 30, 2025[209] - The company authorized a stock repurchase program on October 29, 2024, to repurchase up to $300.0 million of outstanding common stock, with 1,903,527 shares repurchased at an average price of $67.67 during the nine months ended September 30, 2025[222] Strategic Initiatives - The company plans to continue investing in technology innovation and product development to enhance platform capabilities and attract a broader set of stakeholders[155] - The company has made strategic acquisitions, including Novorender AS and Intelliwave Technologies Inc., to enhance its product offerings and market position[156] - The company has a balanced capital allocation strategy focusing on organic revenue growth, accretive mergers and acquisitions, and returning capital to stockholders through stock repurchases[220] Market Conditions and Economic Factors - Macroeconomic factors have led to cautious customer spending, impacting the annual growth rate of cRPO, but the company continues to monitor these influences on its business[159] - The company does not anticipate material risks from interest rate changes due to the short-term nature of its investments[229]

Financial Performance - Revenue for Q3 2025 was $218.2 million, a decrease of 13.5% year-over-year from $252.2 million in Q3 2024[7] - Gross margin for Q3 2025 was 50.7%, down from 54.1% in Q3 2024; non-GAAP gross margin was 54.0%, compared to 54.5% in Q3 2024[7] - Operating income for Q3 2025 was $23.7 million, or 10.9% of revenue, down from $53.1 million, or 21.0% of revenue, in Q3 2024[7] - Net income for the three months ended September 27, 2025, was $28.224 million, compared to $53.051 million in the same period last year, reflecting a decline of 46.8%[31] - Non-GAAP net income for the three months ended September 27, 2025, was $45.125 million, down from $66.386 million in the prior year[31] - Diluted earnings per share for the three months ended September 27, 2025, was $0.92, compared to $1.34 for the same period in 2024[28] Cash Flow and Assets - The company generated record cash from operations of approximately $83.4 million in Q3 2025, representing 185% conversion of non-GAAP net income[6] - Total assets as of September 27, 2025, were $2.186 billion, an increase from $2.117 billion at the end of 2024[25] - Cash and short-term investments at the end of Q3 2025 totaled $983.9 million, up from $852.3 million at the end of 2024[25] Future Guidance - For Q4 2025, the company expects revenue between $250 million and $265 million, with GAAP diluted earnings per share projected to be between $0.85 and $1.00[10] - Non-GAAP net income for Q4 2025 is expected to be $28.2 million, or earnings per share of $0.57, compared to $53.1 million, or earnings per share of $1.07, in Q4 2024[9] - The company provided guidance for the fourth quarter of 2025, estimating U.S. GAAP operating income between $39.8 million and $48.3 million, with an EPS range of $0.85 to $1.00[32] Research and Development - Research and development expenses increased to $32.493 million for the three months ended September 27, 2025, from $28.277 million in the prior year, indicating a focus on innovation[27] Product Developments - The company shipped initial Atlas® G6 OCD systems to several leading logic and memory customers, with additional shipments scheduled for Q4 2025[6] - The Dragonfly® 3Di™ technology is now fully qualified by two major high bandwidth memory (HBM) customers, with orders secured for 2.5D logic applications supporting AI packaging[6]

Exhibit 99.1 Ventyx Biosciences Reports Third Quarter 2025 Financial Results and Highlights Recent Corporate Progress SAN DIEGO, CA, November 6, 2025 (GLOBE NEWSWIRE) -- Ventyx Biosciences, Inc. (Nasdaq: VTYX) ("Ventyx", "Company"), a clinical-stage biopharmaceutical company focused on developing innovative oral therapies for patients with autoimmune, inflammatory, and neurodegenerative diseases, today reported third quarter financial results and highlighted recent pipeline and business progress. "I am prou ...

Exhibit 99.1 Wynn Resorts, Limited Reports Third Quarter 2025 Results LAS VEGAS, November 6, 2025 — Wynn Resorts, Limited (NASDAQ: WYNN) ("Wynn Resorts" or the "Company") today reported financial results for the third quarter ended September 30, 2025. Operating revenues were $1.83 billion for the third quarter of 2025, an increase of $140.4 million from $1.69 billion for the third quarter of 2024. Net income attributable to Wynn Resorts, Limited was $88.3 million for the third quarter of 2025, compared to n ...

Revenue and Sales Performance - Revenues increased by 6.9% to $1,316,683 for the three months ended September 30, 2025, compared to $1,231,187 in the same period of 2024[115]. - Real estate sales transactions rose by 3.1% to 121,516 for the three months ended September 30, 2025, compared to 117,830 in the same period of 2024[111]. - Total revenues for Q3 2025 increased by $85.5 million (7%) to $1,316.7 million compared to $1,231.2 million in Q3 2024; for the nine months ended September 30, 2025, revenues rose by $110.9 million (3%) to $3,580.5 million from $3,469.5 million in 2024[119]. - Existing home sales transactions were at an annual rate of 4.06 million in September 2025, an increase of 4.1% from 3.90 million in September 2024[102]. Financial Metrics - Gross profit for the third quarter of 2025 was $86.2 million, down from $87.7 million in the third quarter of 2024[116]. - Operating income for the third quarter of 2025 was $4.0 million, compared to an operating loss of $8.3 million in the same period of 2024[117]. - Adjusted EBITDA for Q3 2025 was $17.7 million, down 26% from $23.9 million in Q3 2024; for the nine months ended September 30, 2025, it was $31.1 million, a decrease of 54% from $67.8 million in the same period of 2024[118]. - Adjusted EBITDA for the nine months ended September 30, 2025, was $31,068,000, a decrease of 54.3% from $67,797,000 in the same period of 2024[138]. Expenses and Costs - Commissions and other agent-related costs for Q3 2025 increased by $86.9 million (8%) to $1,230.5 million, and for the nine months, they rose by $119.5 million (4%) to $3,325.5 million compared to the same periods in 2024[120]. - General and administrative expenses for Q3 2025 were $62.3 million, a 2% increase from $61.4 million in Q3 2024; for the nine months, they increased by $18.2 million (10%) to $203.3 million[121]. - Technology and development expenses rose by $3.5 million (25%) in Q3 2025 to $17.3 million, and for the nine months, they increased by $8.8 million (20%) to $52.2 million compared to 2024[122]. - Sales and marketing expenses decreased by $0.3 million (9%) in Q3 2025 to $2.5 million, and for the nine months, they decreased by $0.7 million (8%) to $8.2 million compared to the same periods in 2024[123]. Agent and Market Metrics - The agent net promoter score (aNPS) was 75 for the three months ended September 30, 2025, compared to 76 for the same period in 2024[106]. - The number of agents declined by 2% in the first nine months of 2025 compared to the same period in 2024, but the decline has slowed over the last few quarters[109]. - Real estate per transaction cost increased by 5.9% for the three months ended September 30, 2025, compared to the same period in 2024[113]. Cash Flow and Working Capital - Net working capital increased by $17.6 million to $99,670,000 as of September 30, 2025, compared to $82,119,000 as of December 31, 2024, due to increased revenue and related activity[143]. - Net cash provided by operating activities decreased by $73 million to $104,817,000 for the nine months ended September 30, 2025, compared to $177,800,000 in 2024[144]. - Cash used in investing activities increased to $20,492,000 for the nine months ended September 30, 2025, compared to $12,959,000 in 2024[145]. - Cash flows used in financing activities decreased by $69.6 million to $68,773,000 for the nine months ended September 30, 2025, due to lower stock repurchases[145]. Net Income and Other Financial Highlights - For the three months ended September 30, 2025, the company reported a net income of $3,497,000 compared to a net loss of $6,481,000 in the same period of 2024[138]. - The company has no known material cash requirements as of September 30, 2025, except for a remaining $17 million antitrust litigation settlement amount[141]. - The company intends to use available cash to pay the remaining $17 million antitrust litigation settlement amount[141]. - The company believes existing cash balances and expected cash flows will be sufficient to satisfy operating requirements for at least the next twelve months[142]. - Acquisitions have not materially impacted cash flow during the first nine months of 2025, but the company continues to seek opportunities for expansion[146]. Regional Performance - North American Realty revenues increased by $69.2 million (6%) in Q3 2025 to $1,275.9 million, and for the nine months, they rose by $67.0 million (2%) to $3,475.4 million compared to 2024[130]. - International Realty revenues surged by $16.5 million (68%) in Q3 2025 to $40.7 million, and for the nine months, they increased by $44.6 million (74%) to $104.7 million compared to the same periods in 2024[130]. - Adjusted Segment EBITDA for North American Realty decreased by $5.8 million (20%) in Q3 2025, and for the nine months, it decreased by $34.6 million (41%) compared to 2024[130]. Other Affiliated Services - Other Affiliated Services revenues decreased by 53% in both Q3 and the nine months of 2025 compared to the same periods in 2024, primarily due to lower SUCCESS® Magazine revenues[133].

Financial Position - As of September 30, 2025, cash and cash equivalents were $402.8 million, while restricted cash amounted to $107.9 million, totaling $510.7 million[50]. - The company reported funds receivable of $16.3 million as of September 30, 2025, down from $34.2 million as of December 31, 2024[53]. - Accounts receivable, net, was $772,000 as of September 30, 2025, compared to $2.2 million as of December 31, 2024[54]. - The balance of creator signing fees, net, was $7.1 million as of September 30, 2025, reflecting an increase from $5.2 million at the beginning of the period[56]. - As of September 30, 2025, the balance of creator advances was $6,832 thousand, an increase from $6,157 thousand as of December 31, 2024[58]. - The outstanding advance payouts as of September 30, 2025, were $118.3 million, up from $101.2 million as of December 31, 2024[60]. - The chargebacks and refunds reserve remained stable at $10.3 million as of September 30, 2025, consistent with the amount as of December 31, 2024[62]. - The net property and equipment value decreased to $9,489 thousand as of September 30, 2025, from $12,640 thousand as of December 31, 2024[64]. - The carrying amount of goodwill was $174.4 million as of September 30, 2025, unchanged from December 31, 2024[68]. - The total operating lease liabilities as of September 30, 2025, were $964 thousand after accounting for imputed interest[67]. - As of September 30, 2025, the Company's total outstanding long-term debt was $174.861 million, down from $240.719 million as of December 31, 2024, representing a decrease of approximately 27.4%[15]. Revenue Recognition - The company recognized ticketing revenue when tickets are sold, which includes a flat fee and a fixed percentage-based fee per ticket[39]. - The company’s advertising revenue is recognized as advertising impressions are displayed to consumers[44]. - The company operates as a single operating segment, generating revenue primarily from service fees and payment processing fees[36]. - The Company generates revenue primarily from ticketing fees and payment processing fees, recognizing revenue when control of the promised goods or services is transferred[38]. - Total net revenue for the three months ended September 30, 2025, was $71.743 million, a decrease from $77.801 million in the same period of 2024[115]. - Revenue from the United States for the three months ended September 30, 2025, was $50.6 million, down from $56.3 million in 2024, representing a decline of approximately 10.0%[115]. Expenses and Costs - Operating lease costs for the three months ended September 30, 2025, were $150 thousand, down from $190 thousand in the same period of 2024[66]. - The total amortization of acquired intangible assets for the nine months ended September 30, 2025, was $5,014 thousand, compared to $6,296 thousand for the same period in 2024[69]. - The depreciation expense for the three months ended September 30, 2025, was $132 thousand, a decrease from $154 thousand in the same period of 2024[64]. - Stock-based compensation expense for the nine months ended September 30, 2025, totaled $23.6 million, compared to $39.484 million for the same period in 2024[109]. - For the three months ended September 30, 2025, total stock-based compensation expense was $5.9 million, compared to $10.2 million for the same period in 2024, reflecting a decrease of approximately 42.3%[109]. Debt and Financing - The Company entered into a $60 million senior secured term loan facility on August 6, 2025, with the full amount borrowed and held in escrow until certain notes are repaid[75]. - The effective interest rate for the 2026 Notes is 1.3%, while the effective interest rate for the 2025 Notes is 5.8%[82][83]. - The Company repurchased $125 million of the 2026 Notes for approximately $118.9 million, resulting in a $5.8 million gain on extinguishment in Q3 2025[87]. - The Company has contractual obligations under its Term Loan and Convertible Notes, including a maximum consolidated net total leverage ratio ranging from 3.25 to 1.00 to 2.00 to 1.00, and minimum revenue of $270 million[80]. - The fair value of the Term Loan was estimated at $62.5 million as of September 30, 2025, using a discounted cash-flow model[81]. - The Company incurred total interest expense of $3.792 million for the nine months ended September 30, 2025, compared to $7.688 million for the same period in 2024, reflecting a decrease of approximately 50.7%[15]. - The Company recorded cash interest of $1.1 million related to the 2026 Notes during the nine months ended September 30, 2025[82]. - The Company accrued a minimum estimated amount of $0.5 million related to a legal matter as of September 30, 2025, with a potential loss range between $0.5 million and $2.1 million[98]. Income and Tax - The company reported a net income of $6.369 million for the three months ended September 30, 2025, compared to a net loss of $3.768 million for the same period in 2024[111]. - The Company recorded an income tax benefit of $0.1 million for the three months ended September 30, 2025, compared to an income tax expense of $0.2 million for the same period in 2024[112]. - Basic net income per share for the three months ended September 30, 2025, was $0.07, while diluted net income per share was $0.06, compared to a loss of $0.04 per share in 2024[111]. Stock and Share Repurchase - The company has a share repurchase program authorized for up to $100 million, with approximately $50 million remaining available for future repurchases as of September 30, 2025[102]. - The balance of outstanding RSUs, RSAs, and PSUs as of September 30, 2025, was 15,492,135, with a weighted-average grant date fair value of $3.75 per share[108]. - Total unrecognized stock-based compensation expense related to stock awards was $30.6 million as of September 30, 2025, to be recognized over a weighted-average period of 1.8 years[108]. - The Company has approximately $50.0 million remaining available for future repurchases under its share repurchase program approved on March 14, 2024[102].

Loan Portfolio and Credit Quality - As of September 30, 2025, the outstanding loans in the third-party loan origination program were $56.5 million, down from $62.3 million as of December 31, 2024, representing a decrease of approximately 12.9%[171] - The Company recognized net charge-offs of $35.0 million when transferring the GreenSky consumer loan portfolio to held for sale[173] - The Company operated three significant programs for unsecured loans prior to March 31, 2025, but is now only operating one such program[169] - Total loans decreased by $300.0 million, or 5.8%, to $4.87 billion at September 30, 2025, compared to December 31, 2024[223] - The loan portfolio's commercial loans increased to $1.48 billion, representing 30.3% of total loans as of September 30, 2025, compared to $1.36 billion and 26.3% at December 31, 2024[222] - Commercial real estate loans accounted for 48.0% of total loans at $2.34 billion as of September 30, 2025, down from 50.1% at December 31, 2024[222] - The allowance for credit losses on loans was $100.9 million, or 2.07% of total loans, at September 30, 2025, down from $111.2 million, or 2.15%, at December 31, 2024[226] - The allowance allocated to commercial loans totaled $39.0 million, or 2.64% of total commercial loans, at September 30, 2025, compared to $42.8 million, or 3.15%, at December 31, 2024[230] - The allowance allocated to commercial real estate loans decreased to $26.8 million, or 1.15%, at September 30, 2025, from $36.8 million, or 1.42%, at December 31, 2024, with outstanding loan balances decreasing by $255.0 million, or 9.8%[231] - The allowance allocated to residential real estate loans totaled $6.4 million, or 1.81%, at September 30, 2025, down from $8.0 million, or 2.10%, at December 31, 2024[233] - The allowance allocated to consumer loans was $5.0 million, or 3.87%, at September 30, 2025, compared to $5.4 million, or 3.74%, at December 31, 2024[234] - Nonperforming loans decreased to $68.7 million, or 1.41% of total loans, at September 30, 2025, down from $150.9 million, or 2.92% of total loans, at December 31, 2024[240] - The provision for credit losses on loans totaled $20.5 million for Q3 2025, up from $17.9 million in Q3 2024, with a total of $48.2 million for the nine months ended September 30, 2025, compared to $46.1 million for the same period in 2024[203] - Total charge-offs for the three months ended September 30, 2025, were $16.0 million, a decrease from $23.0 million in the same period of 2024, representing a 30.4% reduction[237] - For the nine months ended September 30, 2025, total charge-offs increased to $67.4 million from $58.3 million in the prior year, marking a 15.7% increase[239] - The company continues to prioritize improving credit quality by tightening loan underwriting standards and resolving nonperforming loans[240] Financial Performance - For the three months ended September 30, 2025, the company reported net income of $7.6 million, a decrease from $20.4 million in the same period of 2024, resulting in diluted earnings per common share of $0.24 compared to $0.83[176] - During the nine months ended September 30, 2025, the company experienced a net loss of $121.4 million, or diluted loss per common share of $5.88, compared to net income of $68.8 million, or diluted earnings per common share of $2.81, in the same period of 2024[177] - Noninterest income decreased by $13.5 million in Q3 2025 and $42.1 million in the nine months ended September 30, 2025, compared to the same periods in 2024[177] - Noninterest expense increased significantly by $153.7 million in the nine months ended September 30, 2025, primarily due to a $154.0 million goodwill impairment recognized in Q1 2025[177] - The company’s return on average assets was 0.43% for Q3 2025, down from 1.05% in Q3 2024, and return on average shareholders' equity was 5.20%, down from 10.22%[176] - Wealth management revenue increased by $0.9 million for Q3 2025 and $1.7 million for the nine months ended September 30, 2025, with assets under administration rising to $4.36 billion from $4.27 billion year-over-year[205] - Salaries and employee benefits increased by $2.0 million for Q3 2025 and $7.1 million for the nine months ended September 30, 2025, primarily due to annual salary increases and severance expenses[210] Impairment and Goodwill - The Company recognized a goodwill impairment expense of $154.0 million in the first quarter of 2025 due to a quantitative impairment test indicating that the carrying amount exceeded the fair value of the Banking reporting unit[167] - The fair value of the Banking reporting unit exceeded its carrying amount by approximately 7% as of December 31, 2024, indicating no impairment loss at that time[163] - The discount rate used in the quantitative impairment test as of March 31, 2025, was 15.9%, an increase from 13.4% at December 31, 2024, due to a rise in the company-specific risk premium from 2.5% to 6.0%[167] - The company recognized a goodwill impairment expense of $154.0 million during Q1 2025, impacting the financial results significantly[213] Interest Income and Expense - Net interest income for Q3 2025 was $61.3 million, up from $59.3 million in Q3 2024, with a tax-equivalent net interest margin increasing to 3.79% from 3.34%[181] - For the nine months ended September 30, 2025, net interest income on a tax-equivalent basis was $178.8 million, with a net interest margin of 3.61%, compared to $178.4 million and 3.35% in the same period of 2024[182] - Interest income decreased by $10.5 million to $98.7 million for Q3 2025 compared to Q3 2024, primarily due to a decline in earning assets[192] - Average earning assets decreased to $6.41 billion in Q3 2025 from $7.07 billion in Q3 2024, with average loans decreasing by $835.7 million[193] - Interest expense decreased by $12.5 million to $37.4 million for Q3 2025 compared to Q3 2024, with the cost of interest-bearing liabilities decreasing to 2.84%[199] - Interest expense on deposits decreased by $11.8 million to $30.2 million for Q3 2025, primarily due to a decrease in rates paid on deposits[200] - For the nine months ended September 30, 2025, interest expense decreased by $26.2 million to $117.7 million compared to the same period in 2024[201] - The yield on earning assets decreased by three basis points to 6.11% from 6.14% in Q3 2025[192] Capital and Liquidity - Total assets decreased to $6.91 billion at September 30, 2025, down from $7.51 billion at December 31, 2024[216] - Total deposits decreased by $592.4 million to $5,604,825 thousand as of September 30, 2025, compared to December 31, 2024[254] - Shareholders' equity decreased by $126.8 million to $584.0 million, primarily due to a net loss of $121.4 million[257] - Total liabilities decreased to $6.33 billion from $6.80 billion at December 31, 2024[253] - The company redeemed $50.8 million of subordinated debt on September 30, 2025, which had an interest rate of 7.91%[254] - Total estimated liquidity as of September 30, 2025, was $2,393,973 thousand, down from $2,616,246 thousand at December 31, 2024[261] - The company had $1,048,227 thousand in FHLB committed liquidity as of September 30, 2025, compared to $1,290,246 thousand at December 31, 2024[261] - As of September 30, 2025, Midland States Bancorp, Inc. reported a total risk-based capital ratio of 14.29%, exceeding the regulatory requirement of 10.50%[263] - Midland States Bank's Tier 1 risk-based capital ratio stood at 12.08%, surpassing the minimum requirement of 8.50%[263] - The Common equity tier 1 risk-based capital ratio for Midland States Bancorp, Inc. was 9.37%, above the regulatory minimum of 7.00%[263] Interest Rate Risk Management - The NII at Risk analysis for September 30, 2025, indicated a dollar change of $1,204 for a +100 basis point shift in rates, reflecting a 0.5% increase[272] - For December 31, 2024, the NII at Risk showed a dollar change of $(2,727) for a +100 basis point shift, indicating a 1.2% decrease[272] - The company maintained compliance with board policy limits for all interest rate scenarios as of September 30, 2025[272] - Interest rate risk management involves monitoring loan and deposit flows, complemented by investment, funding, and hedging activities[267] - The company is positioned to benefit from a declining rate environment, projecting increasing profitability[273] - Price risk is present from investment securities, derivative instruments, and equity investments, which are subject to fair value accounting[274] - The company has adopted a strategy to lower short-term rates through deposit pricing and securities purchase selection[273]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to _______________ Commission File Number 001-35272 MIDLAND STATES BANCORP, INC. (Exact name of registrant as specified in its charter) (State of other jur ...

FOR RELEASE: CONTACT: New Hartford, NY, November 6, 2025 Christopher R. Byrnes (315) 743-8376 chris_byrnes@partech.com, www.partech.com Exhibit 99.1 Year-to-Date 2025 Financial Highlights (2) | (in millions, except % and per share | GAAP | | | Non-GAAP | | (1) | | --- | --- | --- | --- | --- | --- | --- | | amounts) | Q3 2025 | Q3 2024 | vs. Q3 2024 | Q3 2025 | Q3 2024 | vs. Q3 2024 | | Revenue | $335.4 | $245.0 | better 36.9% | | | | | Net Loss from Continuing Operations/Adjusted EBITDA | $(63.8) | $(64.6) ...