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FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

NASDAQ:BUSE - Nasdaq - US3193832041 - Common Stock - Currency: USD

22.1  -0.16 (-0.72%)

Fundamental Rating

4

Taking everything into account, BUSE scores 4 out of 10 in our fundamental rating. BUSE was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of BUSE have multiple concerns. BUSE is not priced too expensively while it is growing strongly. Keep and eye on this one! BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

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 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 (0.30%) than 84.56% of its industry peers.
BUSE's Return On Equity of 2.64% is on the low side compared to the rest of the industry. BUSE is outperformed by 84.81% of its industry peers.
Industry RankSector Rank
ROA 0.3%
ROE 2.64%
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

BUSE has a worse Profit Margin (12.06%) than 81.52% of its industry peers.
In the last couple of years the Profit Margin of BUSE has remained more or less at the same level.
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) 12.06%
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

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1

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.
The number of shares outstanding for BUSE has been increased compared to 5 years ago.
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 3.74. This is a good value and a sign of high solvency as BUSE would need 3.74 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.74, BUSE is not doing good in the industry: 66.33% of the companies in the same industry are doing better.
BUSE has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
BUSE has a Debt to Equity ratio of 0.24. This is in the lower half of the industry: BUSE underperforms 63.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACCN/A
WACC13.82%
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

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.10% over the past year.
The Earnings Per Share has been growing slightly by 1.94% on average over the past years.
BUSE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.56%.
BUSE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.75% yearly.
EPS 1Y (TTM)10.1%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%23.91%
Revenue 1Y (TTM)9.56%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%12.81%

3.2 Future

The Earnings Per Share is expected to grow by 17.69% on average over the next years. This is quite good.
The Revenue is expected to grow by 32.69% on average over the next years. This is a very strong growth
EPS Next Y26.49%
EPS Next 2Y17.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year56.62%
Revenue Next 2Y32.69%
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 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 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 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.14 indicates a reasonable valuation of BUSE.
BUSE's Price/Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 74.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of BUSE to the average of the S&P500 Index (26.35), we can say BUSE is valued rather cheaply.
The Price/Forward Earnings ratio is 7.71, which indicates a rather cheap valuation of BUSE.
Based on the Price/Forward Earnings ratio, BUSE is valued cheaper than 81.77% 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 22.20.
Industry RankSector Rank
PE 10.14
Fwd PE 7.71
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

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 RankSector Rank
P/FCF 13.89
EV/EBITDA N/A
BUSE Per share dataBUSE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
BUSE's earnings are expected to grow with 17.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)5.21
EPS Next 2Y17.69%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.57%, BUSE is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.45, BUSE pays a better dividend. On top of this BUSE pays more dividend than 82.28% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, BUSE pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.57%

5.2 History

The dividend of BUSE has a limited annual growth rate of 2.14%.
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)2.14%
Div Incr Years1
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

95.93% of the earnings are spent on dividend by BUSE. This is not a sustainable payout ratio.
BUSE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP95.93%
EPS Next 2Y17.69%
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 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

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FIRST BUSEY CORP

NASDAQ:BUSE (5/28/2025, 3:17:17 PM)

22.1

-0.16 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners62.17%
Inst Owner Change55.72%
Ins Owners3.69%
Ins Owner Change12.57%
Market Cap1.98B
Analysts80
Price Target26.52 (20%)
Short Float %1.85%
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 4.57%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP95.93%
Div Incr Years1
Div Non Decr Years8
Ex-Date04-17 2025-04-17 (0.25)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.49%
Min EPS beat(2)1.55%
Max EPS beat(2)5.44%
EPS beat(4)3
Avg EPS beat(4)2.89%
Min EPS beat(4)-1%
Max EPS beat(4)5.59%
EPS beat(8)4
Avg EPS beat(8)-1.15%
EPS beat(12)4
Avg EPS beat(12)-2.67%
EPS beat(16)6
Avg EPS beat(16)-1.18%
Revenue beat(2)0
Avg Revenue beat(2)-7.32%
Min Revenue beat(2)-12.98%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-4.76%
Min Revenue beat(4)-12.98%
Max Revenue beat(4)-1.67%
Revenue beat(8)0
Avg Revenue beat(8)-5.52%
Revenue beat(12)0
Avg Revenue beat(12)-4.7%
Revenue beat(16)0
Avg Revenue beat(16)-3.93%
PT rev (1m)-7.69%
PT rev (3m)-8.77%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)1.31%
EPS NY rev (1m)0.67%
EPS NY rev (3m)2.48%
Revenue NQ rev (1m)-0.43%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)-1.64%
Revenue NY rev (3m)-1.43%
Valuation
Industry RankSector Rank
PE 10.14
Fwd PE 7.71
P/S 4.15
P/FCF 13.89
P/OCF 13.25
P/B 0.91
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.18
EY9.86%
EPS(NY)2.87
Fwd EY12.97%
FCF(TTM)1.59
FCFY7.2%
OCF(TTM)1.67
OCFY7.55%
SpS5.32
BVpS24.36
TBVpS18.81
PEG (NY)0.38
PEG (5Y)5.21
Profitability
Industry RankSector Rank
ROA 0.3%
ROE 2.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.06%
GM N/A
FCFM 29.89%
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-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.74
Debt/EBITDA N/A
Cap/Depr 32.36%
Cap/Sales 1.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 247.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.82%
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)10.1%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%23.91%
EPS Next Y26.49%
EPS Next 2Y17.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.56%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%12.81%
Revenue Next Year56.62%
Revenue Next 2Y32.69%
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 1Y-12.02%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y-11.45%
OCF growth 3Y3.24%
OCF growth 5Y15.09%