Core Viewpoint - Midland States Bancorp (MSBI) reported quarterly earnings of $0.57 per share, exceeding the Zacks Consensus Estimate of $0.52 per share, and showing an increase from $0.53 per share a year ago, representing an earnings surprise of 9.62% [1][2] Financial Performance - The company posted revenues of $75.95 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 4.40%, although this is a decrease from $77.11 million in the same quarter last year [2] - Over the last four quarters, Midland States Bancorp has exceeded consensus EPS estimates two times and topped consensus revenue estimates three times [2] Stock Performance - Midland States Bancorp shares have declined approximately 32.5% since the beginning of the year, compared to a decline of 5.5% for the S&P 500 [3] - The current Zacks Rank for the stock is 5 (Strong Sell), indicating expectations of underperformance in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.64 on revenues of $73.95 million, and for the current fiscal year, it is $2.52 on revenues of $296.8 million [7] - The trend of estimate revisions for Midland States Bancorp has been unfavorable ahead of the earnings release [6] Industry Context - The Zacks Industry Rank for Banks - Northeast, to which Midland States Bancorp belongs, is currently in the top 25% of over 250 Zacks industries, suggesting a favorable industry outlook [8]

Company Performance - HomeStreet reported a quarterly loss of $0.15 per share, which was worse than the Zacks Consensus Estimate of a loss of $0.07, representing an earnings surprise of -114.29% [1] - The company posted revenues of $45.36 million for the quarter ended March 2025, exceeding the Zacks Consensus Estimate by 2.19% and showing an increase from $41.61 million year-over-year [2] - Over the last four quarters, HomeStreet has surpassed consensus EPS estimates only once [2] Stock Outlook - HomeStreet shares have declined approximately 2.2% since the beginning of the year, while the S&P 500 has decreased by 6.1% [3] - The current consensus EPS estimate for the upcoming quarter is $0.07 on revenues of $46.33 million, and for the current fiscal year, it is $0.30 on revenues of $187.43 million [7] Industry Context - The Financial - Savings and Loan industry, to which HomeStreet belongs, is currently ranked in the top 28% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]