Logo image of BUSE

FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

USA - NASDAQ:BUSE - US3193832041 - Common Stock

22.36 USD
-0.15 (-0.67%)
Last: 10/31/2025, 8:00:02 PM
22.42 USD
+0.06 (+0.27%)
After Hours: 10/31/2025, 8:00:02 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BUSE. BUSE was compared to 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 correct valuation and a medium growth rate. BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

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

BUSE has a worse Return On Assets (0.41%) than 80.00% of its industry peers.
Looking at the Return On Equity, with a value of 3.21%, BUSE is doing worse than 82.56% of the companies in the same industry.
Industry RankSector 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
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

With a Profit Margin value of 13.86%, BUSE is not doing good in the industry: 77.18% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of BUSE has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BUSE so they could not be analyzed.
Industry RankSector 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
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

More info and screens

2

2. Health

2.1 Basic Checks

BUSE does not have a ROIC to compare to the WACC, probably because it is not profitable.
BUSE has more shares outstanding than it did 1 year ago.
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

BUSE has a debt to FCF ratio of 2.62. This is a good value and a sign of high solvency as BUSE would need 2.62 years to pay back of all of its debts.
BUSE has a Debt to FCF ratio (2.62) which is in line with its industry peers.
A Debt/Equity ratio of 0.18 indicates that BUSE is not too dependend on debt financing.
BUSE's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. BUSE outperforms 50.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.62
Altman-Z N/A
ROIC/WACCN/A
WACC13.5%
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

More info and screens

6

3. Growth

3.1 Past

BUSE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.50%, which is quite good.
The Earnings Per Share has been growing slightly by 1.94% on average over the past years.
The Revenue has been growing slightly by 4.63% in the past year.
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

The Earnings Per Share is expected to grow by 10.86% on average over the next years. This is quite good.
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

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 2027 0.5 1 1.5 2 2.5

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.43, the valuation of BUSE can be described as very reasonable.
Based on the Price/Earnings ratio, BUSE is valued cheaply inside the industry as 80.26% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.10. BUSE is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.26, 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 77.18% of the companies in the same industry.
BUSE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
Industry RankSector Rank
PE 9.43
Fwd PE 8.26
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 12.27
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 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)4.85
EPS Next 2Y14.37%
EPS Next 3Y10.86%

More info and screens

8

5. Dividend

5.1 Amount

BUSE has a Yearly Dividend Yield of 4.44%, which is a nice return.
Compared to an average industry Dividend Yield of 3.52, BUSE pays a better dividend. On top of this BUSE pays more dividend than 82.31% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, BUSE pays a better dividend.
Industry RankSector 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
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 82.87% 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.
DP82.87%
EPS Next 2Y14.37%
EPS Next 3Y10.86%
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

More info and screens

FIRST BUSEY CORP

NASDAQ:BUSE (10/31/2025, 8:00:02 PM)

After market: 22.42 +0.06 (+0.27%)

22.36

-0.15 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners62.14%
Inst Owner Change-0.08%
Ins Owners3.64%
Ins Owner Change0.12%
Market Cap1.99B
Revenue(TTM)462.29M
Net Income(TTM)77.37M
Analysts78.46
Price Target27.25 (21.87%)
Short Float %2.31%
Short Ratio3.99
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP82.87%
Div Incr Years0
Div Non Decr Years8
Ex-Date10-24 2025-10-24 (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%
PT rev (3m)0.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
Industry RankSector Rank
PE 9.43
Fwd PE 8.26
P/S 3.57
P/FCF 12.27
P/OCF 11.69
P/B 0.83
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)2.37
EY10.6%
EPS(NY)2.71
Fwd EY12.11%
FCF(TTM)1.82
FCFY8.15%
OCF(TTM)1.91
OCFY8.55%
SpS6.27
BVpS27.09
TBVpS21.61
PEG (NY)0.43
PEG (5Y)4.85
Graham Number38
Profitability
Industry RankSector 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 RankSector 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
WACC13.5%
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.