FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

NASDAQ:BUSE • US3193832041

26.44 USD
-0.01 (-0.04%)
At close: Feb 12, 2026
26.44 USD
0 (0%)
After Hours: 2/12/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall BUSE gets a fundamental rating of 3 out of 10. We evaluated BUSE against 381 industry peers in the Banks industry. BUSE may be in some trouble as it scores bad on both profitability and health. BUSE is not valued too expensively and it also shows a decent growth rate. Finally BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year BUSE was profitable.
  • BUSE had a positive operating cash flow in the past year.
  • BUSE had positive earnings in each of the past 5 years.
  • Of the past 5 years BUSE 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

1.2 Ratios

  • BUSE's Return On Assets of 0.54% is on the low side compared to the rest of the industry. BUSE is outperformed by 75.33% of its industry peers.
  • With a Return On Equity value of 3.97%, BUSE is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.54%
ROE 3.97%
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
BUSE Yearly ROA, ROE, ROICBUSE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BUSE's Profit Margin of 15.30% is on the low side compared to the rest of the industry. BUSE is outperformed by 76.38% of its industry peers.
  • In the last couple of years the Profit Margin of BUSE has declined.
  • 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) 15.3%
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
BUSE Yearly Profit, Operating, Gross MarginsBUSE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

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.
BUSE Yearly Shares OutstandingBUSE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
BUSE Yearly Total Debt VS Total AssetsBUSE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of BUSE is 2.16, which is a good value as it means it would take BUSE, 2.16 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 2.16, BUSE perfoms like the industry average, outperforming 45.41% of the companies in the same industry.
  • 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 58.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACCN/A
WACC12.98%
BUSE Yearly LT Debt VS Equity VS FCFBUSE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

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.
  • BUSE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.61% yearly.
  • BUSE shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.66%.
  • Measured over the past years, BUSE shows a quite strong growth in Revenue. The Revenue has been growing by 12.39% on average per year.
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

  • BUSE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.30% yearly.
  • The Revenue is expected to grow by 7.58% on average over the next years.
EPS Next Y3.29%
EPS Next 2Y5.3%
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BUSE Yearly Revenue VS EstimatesBUSE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 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

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.49 indicates a reasonable valuation of BUSE.
  • BUSE's Price/Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 79.53% of the companies in the same industry.
  • BUSE is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.16, which indicates a very decent valuation of BUSE.
  • 65.09% of the companies in the same industry are more expensive than BUSE, based on the Price/Forward Earnings ratio.
  • BUSE is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.49
Fwd PE 10.16
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

  • Based on the Price/Free Cash Flow ratio, BUSE is valued a bit more expensive than the industry average as 60.63% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.83
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.19
PEG (5Y)1.59
EPS Next 2Y5.3%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.92%, BUSE has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, BUSE pays a better dividend. On top of this BUSE pays more dividend than 86.61% 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 1.80.
Industry RankSector Rank
Dividend Yield 3.92%

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.
  • BUSE has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.14%
Div Incr Years0
Div Non Decr Years8
BUSE Yearly Dividends per shareBUSE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • BUSE pays out 80.04% 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.
DP80.04%
EPS Next 2Y5.3%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M
BUSE Dividend Payout.BUSE Dividend Payout, showing the Payout Ratio.BUSE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

FIRST BUSEY CORP

NASDAQ:BUSE (2/12/2026, 8:00:02 PM)

After market: 26.44 0 (0%)

26.44

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners64.72%
Inst Owner Change3.53%
Ins Owners3.68%
Ins Owner Change1.23%
Market Cap2.34B
Revenue(TTM)719.58M
Net Income(TTM)97.33M
Analysts78.46
Price Target28.22 (6.73%)
Short Float %1.94%
Short Ratio3.06
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP80.04%
Div Incr Years0
Div Non Decr Years8
Ex-Date01-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.37%
Min EPS beat(2)-1.33%
Max EPS beat(2)0.6%
EPS beat(4)3
Avg EPS beat(4)1.56%
Min EPS beat(4)-1.33%
Max EPS beat(4)5.44%
EPS beat(8)4
Avg EPS beat(8)-0.67%
EPS beat(12)5
Avg EPS beat(12)-2.01%
EPS beat(16)5
Avg EPS beat(16)-2.6%
Revenue beat(2)1
Avg Revenue beat(2)-0.74%
Min Revenue beat(2)-1.82%
Max Revenue beat(2)0.34%
Revenue beat(4)1
Avg Revenue beat(4)-4.03%
Min Revenue beat(4)-12.98%
Max Revenue beat(4)0.34%
Revenue beat(8)1
Avg Revenue beat(8)-4.55%
Revenue beat(12)1
Avg Revenue beat(12)-4.48%
Revenue beat(16)1
Avg Revenue beat(16)-3.72%
PT rev (1m)4.12%
PT rev (3m)3.57%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)0.27%
EPS NY rev (1m)0.33%
EPS NY rev (3m)-0.79%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 10.49
Fwd PE 10.16
P/S 3.67
P/FCF 14.83
P/OCF 13.54
P/B 0.95
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)2.52
EY9.53%
EPS(NY)2.6
Fwd EY9.84%
FCF(TTM)1.78
FCFY6.74%
OCF(TTM)1.95
OCFY7.39%
SpS7.2
BVpS27.7
TBVpS22.21
PEG (NY)3.19
PEG (5Y)1.59
Graham Number39.63
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 3.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.3%
GM N/A
FCFM 24.77%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.16
Debt/EBITDA N/A
Cap/Depr 55.67%
Cap/Sales 2.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 161.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.74%
EPS 3Y2.65%
EPS 5Y6.61%
EPS Q2Q%28.3%
EPS Next Y3.29%
EPS Next 2Y5.3%
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 1Y-4.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.37%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST BUSEY CORP / BUSE 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 3.29% in the next year.