FIRST BUSEY CORP (BUSE) Fundamental Analysis & Valuation

NASDAQ:BUSE • US3193832041

Current stock price

25.06 USD
+0.56 (+2.29%)
At close:
25.06 USD
0 (0%)
After Hours:

This BUSE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BUSE Profitability Analysis

1.1 Basic Checks

  • BUSE had positive earnings in the past year.
  • BUSE had a positive operating cash flow in the past year.
  • In the past 5 years BUSE has always been profitable.
  • Each year in the past 5 years BUSE had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

1.2 Ratios

  • BUSE's Return On Assets of 0.69% is on the low side compared to the rest of the industry. BUSE is outperformed by 72.89% of its industry peers.
  • Looking at the Return On Equity, with a value of 5.08%, BUSE is doing worse than 79.74% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 5.08%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.93%
ROE(3y)7.64%
ROE(5y)8.7%
ROIC(3y)N/A
ROIC(5y)N/A
BUSE Yearly ROA, ROE, ROICBUSE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BUSE has a worse Profit Margin (17.42%) than 76.58% of its industry peers.
  • BUSE's Profit Margin has declined 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) 17.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.12%
PM growth 5Y-6.97%
GM growth 3YN/A
GM growth 5YN/A
BUSE Yearly Profit, Operating, Gross MarginsBUSE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. BUSE Health Analysis

2.1 Basic Checks

  • BUSE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BUSE has been increased compared to 1 year ago.
  • The number of shares outstanding for BUSE has been increased compared to 5 years ago.
  • BUSE has a better debt/assets ratio than last year.
BUSE Yearly Shares OutstandingBUSE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
BUSE Yearly Total Debt VS Total AssetsBUSE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • BUSE has a debt to FCF ratio of 2.05. This is a good value and a sign of high solvency as BUSE would need 2.05 years to pay back of all of its debts.
  • BUSE's Debt to FCF ratio of 2.05 is in line compared to the rest of the industry. BUSE outperforms 48.68% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that BUSE is not too dependend on debt financing.
  • BUSE has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.05
Altman-Z N/A
ROIC/WACCN/A
WACC16.41%
BUSE Yearly LT Debt VS Equity VS FCFBUSE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BUSE Growth Analysis

3.1 Past

  • BUSE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.74%, which is quite impressive.
  • Measured over the past 5 years, BUSE shows a small growth in Earnings Per Share. The EPS has been growing by 6.61% on average per year.
  • BUSE shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.66%.
  • BUSE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.39% yearly.
EPS 1Y (TTM)21.74%
EPS 3Y2.65%
EPS 5Y6.61%
EPS Q2Q%28.3%
Revenue 1Y (TTM)55.66%
Revenue growth 3Y16.92%
Revenue growth 5Y12.39%
Sales Q2Q%71.45%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.72% on average over the next years.
  • The Revenue is expected to grow by 7.58% on average over the next years.
EPS Next Y2.88%
EPS Next 2Y4.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.61%
Revenue Next 2Y7.58%
Revenue Next 3YN/A
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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BUSE Yearly Revenue VS EstimatesBUSE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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4

4. BUSE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.94, which indicates a very decent valuation of BUSE.
  • BUSE's Price/Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 76.84% of the companies in the same industry.
  • BUSE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.54.
  • With a Price/Forward Earnings ratio of 9.67, the valuation of BUSE can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BUSE is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, BUSE is valued rather cheaply.
Industry RankSector Rank
PE 9.94
Fwd PE 9.67
BUSE Price Earnings VS Forward Price EarningsBUSE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BUSE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.49
EV/EBITDA N/A
BUSE Per share dataBUSE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.45
PEG (5Y)1.5
EPS Next 2Y4.72%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. BUSE Dividend Analysis

5.1 Amount

  • BUSE has a Yearly Dividend Yield of 4.24%, which is a nice return.
  • BUSE's Dividend Yield is rather good when compared to the industry average which is at 2.78. BUSE pays more dividend than 84.21% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, BUSE pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.24%

5.2 History

  • The dividend of BUSE is nicely growing with an annual growth rate of 7.41%!
  • BUSE has paid a dividend for at least 10 years, which is 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)7.41%
Div Incr Years0
Div Non Decr Years8
BUSE Yearly Dividends per shareBUSE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 72.57% of the earnings are spent on dividend by BUSE. This is not a sustainable payout ratio.
  • The dividend of BUSE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP72.57%
EPS Next 2Y4.72%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M
BUSE Dividend Payout.BUSE Dividend Payout, showing the Payout Ratio.BUSE Dividend Payout.PayoutRetained Earnings

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BUSE Fundamentals: All Metrics, Ratios and Statistics

FIRST BUSEY CORP

NASDAQ:BUSE (3/23/2026, 6:41:47 PM)

After market: 25.06 0 (0%)

25.06

+0.56 (+2.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners63.53%
Inst Owner Change4.26%
Ins Owners3.83%
Ins Owner Change0.77%
Market Cap2.16B
Revenue(TTM)719.58M
Net Income(TTM)125.39M
Analysts78.46
Price Target28.22 (12.61%)
Short Float %2.64%
Short Ratio3.39
Dividend
Industry RankSector Rank
Dividend Yield 4.24%
Yearly Dividend1.26
Dividend Growth(5Y)7.41%
DP72.57%
Div Incr Years0
Div Non Decr Years8
Ex-Date01-23
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.11%
Min EPS beat(2)0.6%
Max EPS beat(2)7.61%
EPS beat(4)3
Avg EPS beat(4)3.08%
Min EPS beat(4)-1.33%
Max EPS beat(4)7.61%
EPS beat(8)5
Avg EPS beat(8)1.39%
EPS beat(12)6
Avg EPS beat(12)-0.22%
EPS beat(16)6
Avg EPS beat(16)-1.79%
Revenue beat(2)0
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-1.82%
Max Revenue beat(2)-0.61%
Revenue beat(4)1
Avg Revenue beat(4)-3.77%
Min Revenue beat(4)-12.98%
Max Revenue beat(4)0.34%
Revenue beat(8)1
Avg Revenue beat(8)-2.7%
Revenue beat(12)1
Avg Revenue beat(12)-4.18%
Revenue beat(16)1
Avg Revenue beat(16)-3.67%
PT rev (1m)0%
PT rev (3m)5.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.64%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 9.94
Fwd PE 9.67
P/S 3
P/FCF 12.49
P/OCF 11.22
P/B 0.88
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)2.52
EY10.06%
EPS(NY)2.59
Fwd EY10.35%
FCF(TTM)2.01
FCFY8%
OCF(TTM)2.23
OCFY8.91%
SpS8.34
BVpS28.63
TBVpS23.06
PEG (NY)3.45
PEG (5Y)1.5
Graham Number40.29
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 5.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.42%
GM N/A
FCFM 24.04%
ROA(3y)0.88%
ROA(5y)0.93%
ROE(3y)7.64%
ROE(5y)8.7%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.12%
PM growth 5Y-6.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.05
Debt/EBITDA N/A
Cap/Depr 64.95%
Cap/Sales 2.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 137.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.41%
ROIC/WACCN/A
Cap/Depr(3y)46.07%
Cap/Depr(5y)35.08%
Cap/Sales(3y)2.09%
Cap/Sales(5y)1.72%
Profit Quality(3y)140.92%
Profit Quality(5y)135.07%
High Growth Momentum
Growth
EPS 1Y (TTM)21.74%
EPS 3Y2.65%
EPS 5Y6.61%
EPS Q2Q%28.3%
EPS Next Y2.88%
EPS Next 2Y4.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)55.66%
Revenue growth 3Y16.92%
Revenue growth 5Y12.39%
Sales Q2Q%71.45%
Revenue Next Year11.61%
Revenue Next 2Y7.58%
Revenue Next 3YN/A
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 1Y0.65%
FCF growth 3Y2.46%
FCF growth 5Y1.7%
OCF growth 1Y8.02%
OCF growth 3Y5.12%
OCF growth 5Y3.37%

FIRST BUSEY CORP / BUSE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST BUSEY CORP (BUSE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BUSE.


Can you provide the valuation status for FIRST BUSEY CORP?

ChartMill assigns a valuation rating of 4 / 10 to FIRST BUSEY CORP (BUSE). This can be considered as Fairly Valued.


What is the profitability of BUSE stock?

FIRST BUSEY CORP (BUSE) has a profitability rating of 2 / 10.


Can you provide the financial health for BUSE stock?

The financial health rating of FIRST BUSEY CORP (BUSE) is 2 / 10.


What is the expected EPS growth for FIRST BUSEY CORP (BUSE) stock?

The Earnings per Share (EPS) of FIRST BUSEY CORP (BUSE) is expected to grow by 2.88% in the next year.