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.
1. BUSE Profitability Analysis
1.1 Basic Checks
- BUSE had positive earnings in the past year.
- In the past year BUSE had a positive cash flow from operations.
- Each year in the past 5 years BUSE has been profitable.
- BUSE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- BUSE has a Return On Assets of 0.69%. This is in the lower half of the industry: BUSE underperforms 72.89% of its industry peers.
- BUSE has a worse Return On Equity (5.08%) than 79.74% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of BUSE (17.42%) is worse than 76.58% of its industry peers.
- In the last couple of years the Profit Margin of BUSE has declined.
- 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) | 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
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.
- Compared to 1 year ago, BUSE has more shares outstanding
- 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 2.05, which is a good value as it means it would take BUSE, 2.05 years of fcf income to pay off all of its debts.
- BUSE has a Debt to FCF ratio of 2.05. This is comparable 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 of 0.14. This is comparable to the rest of the industry: BUSE outperforms 55.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- The Earnings Per Share has been growing slightly by 6.61% on average over the past years.
- Looking at the last year, BUSE shows a very strong growth in Revenue. 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
- Based on estimates for the next years, BUSE will show a small growth in Earnings Per Share. The EPS will grow by 4.72% on average per year.
- 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.
4. BUSE Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.94 indicates a reasonable valuation of BUSE.
- Compared to the rest of the industry, the Price/Earnings ratio of BUSE indicates a somewhat cheap valuation: BUSE is cheaper than 76.84% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 25.54, BUSE is valued rather cheaply.
- BUSE is valuated reasonably with a Price/Forward Earnings ratio of 9.67.
- BUSE's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, BUSE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.94 | ||
| Fwd PE | 9.67 |
4.2 Price Multiples
- BUSE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.49 | ||
| EV/EBITDA | N/A |
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
5. BUSE Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 4.24%, BUSE is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.78, BUSE pays a better dividend. On top of this BUSE pays more dividend than 84.21% of the companies listed in the same industry.
- BUSE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector 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.
- BUSE has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.41%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
- BUSE pays out 72.57% of its income as dividend. 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 Fundamentals: All Metrics, Ratios and Statistics
25.06
+0.56 (+2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-28 2026-04-28
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 Rank | Sector 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 2026-01-23 (0.26)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.