FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis
USA - NASDAQ:BUSE - US3193832041 - Common Stock
22.195 USD
-0.32 (-1.4%)
BUSE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. BUSE may be in some trouble as it scores bad on both profitability and health. BUSE has a decent growth rate and is not valued too expensively. BUSE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BUSE was profitable.
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.
1.2 Ratios
The Return On Assets of BUSE (0.41%) is worse than 80.00% of its industry peers.
BUSE has a worse Return On Equity (3.21%) than 82.56% of its industry peers.
| 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
BUSE has a Profit Margin of 13.86%. This is in the lower half of the industry: BUSE underperforms 77.18% 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 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
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
The debt/assets ratio for BUSE has been reduced compared to a year ago.
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 42.82% 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.
The Debt to Equity ratio of BUSE (0.18) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.50% over the past year.
BUSE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.94% yearly.
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)18.5%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%10.34%
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%65.7%
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 10.86% 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 Y21.72%
EPS Next 2Y14.37%
EPS Next 3Y10.86%
EPS Next 5YN/A
Revenue Next Year56.7%
Revenue Next 2Y32.27%
Revenue Next 3Y22.61%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.36, the valuation of BUSE can be described as reasonable.
Based on the Price/Earnings ratio, BUSE is valued a bit cheaper than 78.72% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.19, BUSE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.20, the valuation of BUSE can be described as reasonable.
BUSE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 76.15% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.50. BUSE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BUSE is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.18 | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.43
PEG (5Y)4.82
EPS Next 2Y14.37%
EPS Next 3Y10.86%
5. Dividend
5.1 Amount
BUSE has a Yearly Dividend Yield of 4.44%, which is a nice return.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.49. BUSE pays more dividend than 84.10% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, BUSE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
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 3Y10.86%
NASDAQ:BUSE (10/31/2025, 1:46:04 PM)
22.195
-0.32 (-1.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.14%
Inst Owner Change-0.08%
Ins Owners3.64%
Ins Owner Change0.12%
Market Cap1.98B
Revenue(TTM)462.29M
Net Income(TTM)77.37M
Analysts78.46
Price Target27.25 (22.78%)
Short Float %2.31%
Short Ratio3.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP82.87%
Div Incr Years0
Div Non Decr Years8
Ex-Date
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%
PT rev (3m)0.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 8.2 | ||
| P/S | 3.54 | ||
| P/FCF | 12.18 | ||
| P/OCF | 11.61 | ||
| P/B | 0.82 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY10.68%
EPS(NY)2.71
Fwd EY12.2%
FCF(TTM)1.82
FCFY8.21%
OCF(TTM)1.91
OCFY8.62%
SpS6.27
BVpS27.09
TBVpS21.61
PEG (NY)0.43
PEG (5Y)4.82
Graham Number38
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
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-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
WACC13.46%
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)18.5%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%10.34%
EPS Next Y21.72%
EPS Next 2Y14.37%
EPS Next 3Y10.86%
EPS Next 5YN/A
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%65.7%
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 FAQ
What is the ChartMill fundamental rating of FIRST BUSEY CORP (BUSE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BUSE.
What is the valuation status of FIRST BUSEY CORP (BUSE) stock?
ChartMill assigns a valuation rating of 5 / 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.
What is the financial health of FIRST BUSEY CORP (BUSE) stock?
The financial health rating of FIRST BUSEY CORP (BUSE) is 2 / 10.
Can you provide the expected EPS growth for BUSE stock?
The Earnings per Share (EPS) of FIRST BUSEY CORP (BUSE) is expected to grow by 21.72% in the next year.