MSBI - Midland States Bancorp, Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Revenue Growth YoY (%)	5.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-77%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	—	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	13.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	-1.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-123%)	—	-3.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-154%)	-6.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-205%)	1.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	—	-3.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-164%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	—	20.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+233%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+108%)	8.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+44%)	—	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	-1.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	20.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+245%)	—	-0.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	4.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	-11.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	—	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	14.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+140%)	—	21.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+257%)	49.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+718%)	25.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+319%)	—	23.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+294%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	19.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+224%)	—	5.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-1.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	—	—	—	—	—	—
EPS Growth YoY (%)	295.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	86.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	84.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-67.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	120.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	4.2% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-76.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-38.4% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-86.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-31.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	20.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	10.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	183.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	—	66.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	1250.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-30.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-20.9% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-89.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-24.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	45.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	26.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	625.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	762.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	250.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	152.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-85.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-89.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-80.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-58.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	25.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	18.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	75.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	201.8% Excellent ↑ Excellent Improving Year-over-year change in net income	65.4% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	90.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-59.1% Weak Weak Year-over-year change in net income	78.1% Excellent Excellent Year-over-year change in net income	N/M	N/M	2.4% Caution ↑ Caution Improving Year-over-year change in net income	-68.7% Weak ↓ Weak Declining Year-over-year change in net income	-36.2% Weak → Weak Stable Year-over-year change in net income	-81.2% Weak ↓ Weak Declining Year-over-year change in net income	-23.3% Weak ↓ Weak Declining Year-over-year change in net income	-1.4% Weak ↓ Weak Declining Year-over-year change in net income	4.9% Caution ↓ Caution Declining Year-over-year change in net income	47.5% Excellent ↑ Excellent Improving Year-over-year change in net income	20.3% Good ↓ Good Declining Year-over-year change in net income	8.7% Fair ↓ Fair Declining Year-over-year change in net income	11.9% Fair ↓ Fair Declining Year-over-year change in net income	177.3% Excellent ↓ Excellent Declining Year-over-year change in net income	22630.2% Excellent ↑ Excellent Improving Year-over-year change in net income	60.1% Excellent ↓ Excellent Declining Year-over-year change in net income	1096.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-34.9% Weak ↑ Weak Improving Year-over-year change in net income	-99.3% Weak ↓ Weak Declining Year-over-year change in net income	-23.1% Weak ↓ Weak Declining Year-over-year change in net income	-88.9% Weak ↓ Weak Declining Year-over-year change in net income	-21.7% Weak ↓ Weak Declining Year-over-year change in net income	48.9% Excellent ↓ Excellent Declining Year-over-year change in net income	28.0% Excellent ↓ Excellent Declining Year-over-year change in net income	674.2% Excellent ↑ Excellent Improving Year-over-year change in net income	720.5% Excellent ↑ Excellent Improving Year-over-year change in net income	317.3% Excellent ↑ Excellent Improving Year-over-year change in net income	261.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-78.7% Weak ↓ Weak Declining Year-over-year change in net income	-82.8% Weak ↓ Weak Declining Year-over-year change in net income	-74.7% Weak ↓ Weak Declining Year-over-year change in net income	-47.9% Weak ↓ Weak Declining Year-over-year change in net income	65.9% Excellent ↑ Excellent Improving Year-over-year change in net income	50.5% Excellent ↓ Excellent Declining Year-over-year change in net income	133.7% Excellent Excellent Year-over-year change in net income	2.0% Caution Caution Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.7% Caution → Caution Stable Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	3.7% Caution → Caution Stable Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	5.0% Caution → Caution Stable Compound annual revenue growth over 3 years	5.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	9.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	17.8% Excellent → Excellent Stable Compound annual revenue growth over 3 years	16.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	19.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	16.7% Excellent Excellent Compound annual revenue growth over 3 years	14.7% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.6% Caution → Caution Stable Compound annual revenue growth over 5 years	—	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	—	1.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	—	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	8.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	9.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	11.5% Good Good Compound annual revenue growth over 5 years	10.0% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	10.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	-1.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-4.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	—	-38.7% Weak Weak Compound annual EPS growth over 3 years	-23.2% Weak Weak Compound annual EPS growth over 3 years	—	—	-4.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-39.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-19.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	17.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	142.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	37.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	26.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	16.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	13.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	34.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	18.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	116.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	65.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	36.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-51.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	10.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	2.5% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	6.5% Fair Fair Compound annual EPS growth over 3 years	-1.8% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Operating Margin (%) (%)	34.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	30.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	30.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	13.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	18.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	-181.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-825%)	—	30.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	11.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	23.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	—	38.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	37.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	37.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	—	36.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	38.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	37.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	—	38.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	28.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	23.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	23.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	—	9.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	14.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	-185.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-943%)	—	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	9.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	18.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	—	23.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	27.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	28.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	29.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	28.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	28.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	29.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	2.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	—	18.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	22.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	13.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	19.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	3.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	—	3.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	8.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	19.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	—	19.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	16.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	14.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	—	8.6% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	15.6% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	-0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	-24.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-306%)	-4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-136%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	4.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.2% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	2.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	2.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	3.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Debt to Equity (x)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.25x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.07x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.12x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	—	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.09x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	—	—	—	0.11x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	—	0.09x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.12x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	—	0.19x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.19x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	—	—	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Revenue per Share (USD)	$4.07	$3.96	$3.73	—	$3.71	$3.77	$3.49	—	$3.43	$3.35	$3.54	—	$3.49	$3.50	$3.39	—	$3.57	$3.40	$3.25	—	$2.95	$2.99	$2.96	—	$3.00	$2.93	$2.26	—	$2.82	$2.73	$2.61	—	$2.66	$2.69	$2.62	—	$2.71	$2.56	$2.78	—	$2.71	$3.14	$3.07	—	$3.35	$3.57	—	—
Basic EPS, GAAP (USD)	$0.95	$0.82	$0.74	$-0.24	$0.24	$0.44	$-6.58	$-1.50	$0.74	$0.20	$0.53	$0.19	$0.71	$0.86	$0.86	$1.36	$1.04	$0.97	$0.92	$1.02	$0.86	$0.88	$0.81	$0.36	$0.00	$0.53	$0.06	$0.52	$0.51	$0.67	$0.58	$0.69	$0.35	$0.53	$0.08	$0.08	$0.10	$0.21	$0.54	$0.76	$0.51	$0.51	$0.43	$0.64	$0.29	$0.56	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.33	$0.32	$0.32	$0.32	$0.32	$0.31	$0.31	$0.31	$0.31	$0.31	$0.31	$0.30	$0.30	$0.30	$0.30	$0.29	$0.29	$0.29	$0.29	$0.28	$0.28	$0.28	$0.28	$0.27	$0.27	$0.27	$0.27	$0.24	$0.24	$0.24	$0.24	$0.22	$0.22	$0.22	$0.22	$0.20	$0.20	$0.20	$0.20	$0.18	$0.18	—	—	—	—	—	—	—
Book Value per Share (USD)	$25.54	$27.49	$26.85	$26.71	$27.11	$26.67	$26.57	$33.07	$38.25	$36.76	$36.82	—	$35.39	$35.54	$35.08	—	$33.49	$28.84	$29.26	—	$29.21	$28.69	$28.43	—	$27.51	$27.62	$26.99	—	$26.93	$26.78	$26.20	—	$24.91	$24.88	$24.79	—	$23.39	$26.90	$21.25	—	$20.65	$23.68	$19.94	—	—	—	—	—
Tangible Book Value per Share (USD)	$24.83	$26.74	$26.08	$25.92	$26.29	$25.82	$25.69	$24.98	$30.07	$28.53	$28.58	—	$27.10	$27.30	$26.87	—	$25.15	$20.43	$20.87	—	$29.21	$28.69	$19.98	—	$19.03	$18.72	$18.19	—	$18.40	$18.47	$17.79	—	$24.91	$24.88	$16.23	—	$23.39	$26.90	$21.25	—	$20.65	$23.68	$19.94	—	—	—	—	—
Basic Weighted Avg Shares (shares)	21.13M	21.07M	21.30M	—	21.86M	21.82M	21.80M	—	21.68M	21.73M	21.77M	—	21.97M	22.20M	22.48M	—	22.34M	22.31M	22.27M	—	22.52M	22.59M	22.52M	—	22.94M	23.34M	24.43M	—	24.49M	24.08M	24.00M	—	23.86M	23.82M	20.90M	—	19.27M	16.80M	15.74M	—	15.58M	13.36M	11.96M	—	11.91M	11.90M	—	—
Dividend Payout Ratio (%)	34.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-133.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	133.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	70.5% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-4.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-20.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	155.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	58.5% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	157.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	31.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	27.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	74.3% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	50.5% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	445.8% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	47.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	31.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	275.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	250.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	200.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	95.2% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	35.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$531.37M	$569.69M	$558.95M	$565.50M	$584.00M	$573.71M	$571.44M	$710.85M	$818.26M	$785.77M	$791.01M	$715.11M	$764.25M	$776.82M	$775.64M	$696.14M	$739.28M	$636.19M	$644.99M	$663.84M	$657.84M	$648.19M	$635.47M	$621.39M	$621.88M	$633.59M	$631.16M	$661.91M	$655.52M	$639.89M	$624.17M	$608.52M	$594.15M	$592.53M	$585.38M	$449.55M	$450.69M	$451.95M	$334.33M	$321.77M	$321.75M	$316.27M	$238.39M	$232.88M	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Sales/Revenue/Turnover (USD)	$85.96M	$83.36M	$79.54M	—	$81.13M	$82.23M	$76.05M	—	$74.29M	$72.71M	$77.11M	—	$76.78M	$77.59M	$76.28M	—	$79.85M	$75.95M	$72.44M	—	$66.54M	$67.53M	$66.68M	—	$68.90M	$68.39M	$55.25M	—	$69.06M	$65.66M	$62.68M	—	$63.35M	$64.13M	$54.79M	—	$52.17M	$43.02M	$43.79M	—	$42.20M	$42.01M	$36.66M	—	$39.90M	$42.51M	—	—
Depreciation Expense (USD)	$1.22M	$1.21M	$1.22M	$1.22M	$1.22M	$1.22M	$1.24M	$1.27M	$1.20M	$1.20M	$1.23M	$1.21M	$1.10M	$1.20M	$1.21M	$1.18M	$1.20M	$1.20M	$1.25M	$1.28M	$1.40M	$1.40M	$1.44M	$1.44M	$2.20M	$1.60M	$1.68M	$1.64M	$1.80M	$1.60M	$1.60M	$1.61M	$1.50M	$1.60M	$1.45M	$1.35M	$1.30M	$1.20M	$1.12M	$1.26M	$1.27M	$1.27M	$1.27M	$1.35M	$1.29M	—	—	—
Net Income, GAAP (USD)	$22.81M	$19.89M	$18.46M	$-2.89M	$7.56M	$12.02M	$-140.97M	$-30.77M	$18.48M	$6.75M	$13.88M	$6.41M	$18.04M	$21.57M	$21.77M	$34.08M	$23.52M	$21.88M	$20.75M	$23.11M	$19.55M	$20.12M	$18.54M	$8.33M	$86.00K	$12.57M	$1.55M	$12.79M	$12.65M	$16.36M	$13.98M	$16.34M	$8.50M	$12.78M	$1.81M	$1.99M	$2.04M	$3.54M	$8.49M	$11.58M	$8.05M	$6.79M	$5.12M	$7.70M	$3.44M	$6.65M	—	—
Operating Cash Flow (USD)	$38.37M	$29.47M	$16.97M	$-7.06M	—	—	$24.70M	$55.52M	—	—	$26.92M	$86.08M	—	—	$16.01M	$79.75M	—	—	$39.08M	$33.34M	$84.44M	$58.28M	$158.38M	$93.29M	—	—	$15.55M	$92.55M	—	—	$30.00M	$31.16M	$28.92M	$-861.00K	$47.88M	$7.71M	$11.34M	$3.79M	$47.61M	$-6.14M	$55.63M	—	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q4 FY2013 Dec 31, 2013 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.6%	3.5%	3.6%	3.5%	3.3%	3.2%	3.1%	2.8%	2.8%	2.9%	3.6%	2.9%	2.9%	3.1%	3.8%	3.3%	3.3%	3.1%	2.9%	2.9%	3.0%	3.0%	3.1%	3.0%	2.9%	3.0%	3.2%	3.2%	3.3%	3.2%	3.4%	3.1%	3.4%	2.7%	3.3%	3.4%	2.6%	3.3%	3.2%	3.4%	3.7%	3.3%	3.7%	3.6%	4.1%	—	—
Efficiency Ratio (%) (%)	61.5%	60.9%	63.4%	—	61.4%	60.8%	266.9%	—	62.9%	65.3%	58.2%	—	54.8%	55.3%	58.3%	—	54.5%	54.4%	56.4%	—	62.1%	72.5%	58.6%	—	79.3%	59.6%	77.2%	—	69.5%	61.2%	65.6%	—	79.4%	72.4%	90.5%	—	92.7%	87.5%	70.3%	—	67.9%	73.6%	75.4%	—	69.7%	72.2%	—	—

Midland States Bancorp, Inc.

Analytical Summary

48-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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