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FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

NASDAQ:BUSE - Nasdaq - US3193832041 - Common Stock - Currency: USD

22.35  +0.27 (+1.22%)

Fundamental Rating

4

Overall BUSE gets a fundamental rating of 4 out of 10. We evaluated BUSE against 392 industry peers in the Banks industry. BUSE has a bad profitability rating. Also its financial health evaluation is rather negative. BUSE has a decent growth rate and is not valued too expensively. BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BUSE was profitable.
In the past year BUSE had a positive cash flow from operations.
Each year in the past 5 years BUSE has been profitable.
In the past 5 years BUSE always reported a positive cash flow from operatings.
BUSE Yearly Net Income VS EBIT VS OCF VS FCFBUSE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

1.2 Ratios

The Return On Assets of BUSE (0.30%) is worse than 85.20% of its industry peers.
Looking at the Return On Equity, with a value of 2.64%, BUSE is doing worse than 85.71% of the companies in the same industry.
Industry RankSector Rank
ROA 0.3%
ROE 2.64%
ROIC N/A
ROA(3y)0.99%
ROA(5y)0.98%
ROE(3y)9.68%
ROE(5y)9.26%
ROIC(3y)N/A
ROIC(5y)N/A
BUSE Yearly ROA, ROE, ROICBUSE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BUSE has a Profit Margin of 12.06%. This is amonst the worse of the industry: BUSE underperforms 80.61% of its industry peers.
BUSE's Profit Margin has been stable in the last couple of years.
BUSE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 12.06%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.01%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
BUSE Yearly Profit, Operating, Gross MarginsBUSE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

BUSE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BUSE has more shares outstanding
Compared to 5 years ago, BUSE has more shares outstanding
Compared to 1 year ago, BUSE has an improved debt to assets ratio.
BUSE Yearly Shares OutstandingBUSE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BUSE Yearly Total Debt VS Total AssetsBUSE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of BUSE is 3.74, which is a good value as it means it would take BUSE, 3.74 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.74, BUSE is not doing good in the industry: 65.05% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.24 indicates that BUSE is not too dependend on debt financing.
BUSE's Debt to Equity ratio of 0.24 is on the low side compared to the rest of the industry. BUSE is outperformed by 63.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACCN/A
WACC13.64%
BUSE Yearly LT Debt VS Equity VS FCFBUSE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BUSE Yearly Current Assets VS Current LiabilitesBUSE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.86% over the past year.
The Earnings Per Share has been growing slightly by 1.94% on average over the past years.
BUSE shows a small growth in Revenue. In the last year, the Revenue has grown by 4.63%.
The Revenue has been growing slightly by 2.75% on average over the past years.
EPS 1Y (TTM)17.86%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%26%
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%70.27%

3.2 Future

Based on estimates for the next years, BUSE will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.98% on average per year.
Based on estimates for the next years, BUSE will show a very strong growth in Revenue. The Revenue will grow by 22.61% on average per year.
EPS Next Y23.28%
EPS Next 2Y15.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year57.07%
Revenue Next 2Y32.38%
Revenue Next 3Y22.61%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BUSE Yearly Revenue VS EstimatesBUSE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
BUSE Yearly EPS VS EstimatesBUSE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.68, the valuation of BUSE can be described as very reasonable.
81.38% of the companies in the same industry are more expensive than BUSE, based on the Price/Earnings ratio.
BUSE is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.03, the valuation of BUSE can be described as very reasonable.
78.57% of the companies in the same industry are more expensive than BUSE, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BUSE to the average of the S&P500 Index (35.28), we can say BUSE is valued rather cheaply.
Industry RankSector Rank
PE 9.68
Fwd PE 8.03
BUSE Price Earnings VS Forward Price EarningsBUSE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BUSE.
Industry RankSector Rank
P/FCF 13.98
EV/EBITDA N/A
BUSE Per share dataBUSE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BUSE's earnings are expected to grow with 15.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)4.98
EPS Next 2Y15.98%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

BUSE has a Yearly Dividend Yield of 4.48%, which is a nice return.
BUSE's Dividend Yield is a higher than the industry average which is at 3.51.
BUSE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.48%

5.2 History

The dividend of BUSE has a limited annual growth rate of 2.14%.
BUSE has been paying a dividend for at least 10 years, so it has a reliable track record.
As BUSE did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)2.14%
Div Incr Years0
Div Non Decr Years8
BUSE Yearly Dividends per shareBUSE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BUSE pays out 95.93% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BUSE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP95.93%
EPS Next 2Y15.98%
EPS Next 3YN/A
BUSE Yearly Income VS Free CF VS DividendBUSE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M
BUSE Dividend Payout.BUSE Dividend Payout, showing the Payout Ratio.BUSE Dividend Payout.PayoutRetained Earnings

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FIRST BUSEY CORP

NASDAQ:BUSE (8/8/2025, 12:50:15 PM)

22.35

+0.27 (+1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners61.06%
Inst Owner Change-0.89%
Ins Owners3.65%
Ins Owner Change12.87%
Market Cap1.99B
Analysts78.33
Price Target27.1 (21.25%)
Short Float %1.69%
Short Ratio2.42
Dividend
Industry RankSector Rank
Dividend Yield 4.48%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP95.93%
Div Incr Years0
Div Non Decr Years8
Ex-Date07-18 2025-07-18 (0.25)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.49%
Min EPS beat(2)1.55%
Max EPS beat(2)5.44%
EPS beat(4)3
Avg EPS beat(4)2.89%
Min EPS beat(4)-1%
Max EPS beat(4)5.59%
EPS beat(8)4
Avg EPS beat(8)-1.15%
EPS beat(12)4
Avg EPS beat(12)-2.67%
EPS beat(16)6
Avg EPS beat(16)-1.18%
Revenue beat(2)0
Avg Revenue beat(2)-7.32%
Min Revenue beat(2)-12.98%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-4.76%
Min Revenue beat(4)-12.98%
Max Revenue beat(4)-1.67%
Revenue beat(8)0
Avg Revenue beat(8)-5.52%
Revenue beat(12)0
Avg Revenue beat(12)-4.7%
Revenue beat(16)0
Avg Revenue beat(16)-3.93%
PT rev (1m)1.42%
PT rev (3m)-1.59%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)-0.6%
EPS NY rev (1m)-1.69%
EPS NY rev (3m)-1.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-1.36%
Valuation
Industry RankSector Rank
PE 9.68
Fwd PE 8.03
P/S 4.18
P/FCF 13.98
P/OCF 13.34
P/B 0.91
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)2.31
EY10.34%
EPS(NY)2.78
Fwd EY12.46%
FCF(TTM)1.6
FCFY7.15%
OCF(TTM)1.68
OCFY7.5%
SpS5.35
BVpS24.46
TBVpS18.89
PEG (NY)0.42
PEG (5Y)4.98
Profitability
Industry RankSector Rank
ROA 0.3%
ROE 2.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.06%
GM N/A
FCFM 29.89%
ROA(3y)0.99%
ROA(5y)0.98%
ROE(3y)9.68%
ROE(5y)9.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.01%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.74
Debt/EBITDA N/A
Cap/Depr 32.36%
Cap/Sales 1.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 247.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.64%
ROIC/WACCN/A
Cap/Depr(3y)30.91%
Cap/Depr(5y)25.09%
Cap/Sales(3y)1.55%
Cap/Sales(5y)1.39%
Profit Quality(3y)136.72%
Profit Quality(5y)139.18%
High Growth Momentum
Growth
EPS 1Y (TTM)17.86%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%26%
EPS Next Y23.28%
EPS Next 2Y15.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%70.27%
Revenue Next Year57.07%
Revenue Next 2Y32.38%
Revenue Next 3Y22.61%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-12.02%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y-11.45%
OCF growth 3Y3.24%
OCF growth 5Y15.09%