BUSE Fundamental Analysis - FIRST BUSEY CORP

Fundamental Rating

Taking everything into account, BUSE scores 4 out of 10 in our fundamental rating. BUSE was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of BUSE have multiple concerns. BUSE is growing strongly while it is still valued neutral. This is a good combination! BUSE also has an excellent dividend rating.

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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.

In the past 5 years BUSE has always been profitable.

Each year in the past 5 years BUSE had a positive operating cash flow.

1.2 Ratios

BUSE has a Return On Assets of 0.41%. This is in the lower half of the industry: BUSE underperforms 78.06% of its industry peers.

Looking at the Return On Equity, with a value of 3.21%, BUSE is doing worse than 81.89% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.41%
ROE	3.21%
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

1.3 Margins

With a Profit Margin value of 13.86%, BUSE is not doing good in the industry: 75.77% of the companies in the same industry are doing better.

BUSE's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for BUSE so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	13.86%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

Compared to 5 years ago, BUSE has more shares outstanding

BUSE has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BUSE is 2.62, which is a good value as it means it would take BUSE, 2.62 years of fcf income to pay off all of its debts.

BUSE has a Debt to FCF ratio of 2.62. This is comparable to the rest of the industry: BUSE outperforms 42.60% of its industry peers.

BUSE has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

BUSE's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. BUSE outperforms 51.02% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	2.62
Altman-Z	N/A

ROIC/WACCN/A

WACC13.11%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BUSE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.86%, which is quite good.

Measured over the past 5 years, BUSE shows a small growth in Earnings Per Share. The EPS has been growing by 1.94% on average per year.

The Revenue has grown by 25.61% in the past year. This is a very strong growth!

BUSE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.75% yearly.

EPS 1Y (TTM)17.86%

EPS 3Y-4.14%

EPS 5Y1.94%

EPS Q2Q%26%

Revenue 1Y (TTM)25.61%

Revenue growth 3Y4.64%

Revenue growth 5Y2.75%

Sales Q2Q%70.27%

3.2 Future

BUSE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.05% yearly.

The Revenue is expected to grow by 22.61% on average over the next years. This is a very strong growth

EPS Next Y21.72%

EPS Next 2Y14.37%

EPS Next 3Y11.05%

EPS Next 5YN/A

Revenue Next Year56.7%

Revenue Next 2Y32.27%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.65 indicates a reasonable valuation of BUSE.

76.28% of the companies in the same industry are more expensive than BUSE, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of BUSE to the average of the S&P500 Index (27.30), we can say BUSE is valued rather cheaply.

A Price/Forward Earnings ratio of 9.09 indicates a reasonable valuation of BUSE.

72.19% 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 (22.73), we can say BUSE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.65
Fwd PE	9.09

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BUSE.

		Industry Rank	Sector Rank
P/FCF	13.51
EV/EBITDA	N/A

4.3 Compensation for Growth

BUSE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.49

PEG (5Y)5.48

EPS Next 2Y14.37%

EPS Next 3Y11.05%

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5. Dividend

5.1 Amount

BUSE has a Yearly Dividend Yield of 4.06%, which is a nice return.

BUSE's Dividend Yield is a higher than the industry average which is at 3.65.

Compared to an average S&P500 Dividend Yield of 2.41, BUSE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.06%

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

5.3 Sustainability

BUSE pays out 82.87% of its income as dividend. This is not a sustainable payout ratio.

BUSE's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP82.87%

EPS Next 2Y14.37%

EPS Next 3Y11.05%

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FIRST BUSEY CORP

NASDAQ:BUSE (9/12/2025, 8:00:02 PM)

After market: 24.61 0 (0%)

24.61

-0.02 (-0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-28 2025-10-28/amc

Inst Owners61.16%

Inst Owner Change0.76%

Ins Owners3.63%

Ins Owner Change3.74%

Market Cap2.19B

Analysts78.46

Price Target27.25 (10.73%)

Short Float %1.46%

Short Ratio2.22

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.06%

Yearly Dividend0.97

Dividend Growth(5Y)2.14%

DP82.87%

Div Incr Years0

Div Non Decr Years8

Ex-Date07-18 2025-07-18 (0.25)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.05%

Min EPS beat(2)-1.33%

Max EPS beat(2)5.44%

EPS beat(4)3

Avg EPS beat(4)2.81%

Min EPS beat(4)-1.33%

Max EPS beat(4)5.59%

EPS beat(8)4

Avg EPS beat(8)-0.29%

EPS beat(12)4

Avg EPS beat(12)-2.08%

EPS beat(16)5

Avg EPS beat(16)-2.11%

Revenue beat(2)1

Avg Revenue beat(2)-6.32%

Min Revenue beat(2)-12.98%

Max Revenue beat(2)0.34%

Revenue beat(4)1

Avg Revenue beat(4)-4.18%

Min Revenue beat(4)-12.98%

Max Revenue beat(4)0.34%

Revenue beat(8)1

Avg Revenue beat(8)-4.48%

Revenue beat(12)1

Avg Revenue beat(12)-4.38%

Revenue beat(16)1

Avg Revenue beat(16)-3.72%

PT rev (1m)0.54%

PT rev (3m)2.09%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-4.34%

EPS NY rev (1m)-1.26%

EPS NY rev (3m)-3.77%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.03%

Revenue NY rev (1m)-0.23%

Revenue NY rev (3m)-0.59%

Valuation

		Industry Rank	Sector Rank
PE	10.65
Fwd PE	9.09
P/S	3.93
P/FCF	13.51
P/OCF	12.87
P/B	0.91
P/tB	1.14
EV/EBITDA	N/A

EPS(TTM)2.31

EY9.39%

EPS(NY)2.71

Fwd EY11%

FCF(TTM)1.82

FCFY7.4%

OCF(TTM)1.91

OCFY7.77%

SpS6.27

BVpS27.09

TBVpS21.61

PEG (NY)0.49

PEG (5Y)5.48

Profitability

		Industry Rank	Sector Rank
ROA	0.41%
ROE	3.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	13.86%
GM	N/A
FCFM	29.06%

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	2.62
Debt/EBITDA	N/A
Cap/Depr	33.55%
Cap/Sales	1.45%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	209.71%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC13.11%

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 Y21.72%

EPS Next 2Y14.37%

EPS Next 3Y11.05%

EPS Next 5YN/A

Revenue 1Y (TTM)25.61%

Revenue growth 3Y4.64%

Revenue growth 5Y2.75%

Sales Q2Q%70.27%

Revenue Next Year56.7%

Revenue Next 2Y32.27%

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-4.78%

FCF growth 3Y3.06%

FCF growth 5Y18%

OCF growth 1Y-3.87%

OCF growth 3Y3.24%

OCF growth 5Y15.09%

FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens