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FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

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

22.03  -0.03 (-0.14%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BUSE. BUSE was compared to 395 industry peers in the Banks industry. BUSE has a bad profitability rating. Also its financial health evaluation is rather negative. BUSE is growing strongly while it is still valued neutral. This is a good combination! Finally BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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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.
BUSE had a positive operating cash flow in each of the past 5 years.
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

With a Return On Assets value of 0.30%, BUSE is not doing good in the industry: 84.56% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 2.64%, BUSE is doing worse than 84.81% of the companies in the same industry.
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

The Profit Margin of BUSE (12.06%) is worse than 81.52% 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 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.
Compared to 1 year ago, BUSE has more shares outstanding
BUSE has more shares outstanding than it did 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.
BUSE's Debt to FCF ratio of 3.74 is on the low side compared to the rest of the industry. BUSE is outperformed by 66.33% of its industry peers.
BUSE has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.24, BUSE is doing worse than 63.80% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACCN/A
WACC13.8%
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

BUSE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.10%, which is quite good.
BUSE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.94% yearly.
The Revenue has grown by 9.56% in the past year. This is quite good.
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

BUSE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.69% yearly.
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

BUSE is valuated reasonably with a Price/Earnings ratio of 10.11.
73.67% of the companies in the same industry are more expensive than BUSE, based on the Price/Earnings ratio.
BUSE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.17.
With a Price/Forward Earnings ratio of 7.68, the valuation of BUSE can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BUSE indicates a rather cheap valuation: BUSE is cheaper than 81.52% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, BUSE is valued rather cheaply.
Industry RankSector Rank
PE 10.11
Fwd PE 7.68
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 13.84
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.
A more expensive valuation may be justified as BUSE's earnings are expected to grow with 17.69% in the coming years.
PEG (NY)0.38
PEG (5Y)5.2
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.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.45. BUSE pays more dividend than 82.53% of the companies in the same industry.
BUSE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
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 been paying a dividend for at least 10 years, so it has 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 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.
The dividend of BUSE is growing, but earnings are growing more, so the dividend growth is 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 (5/29/2025, 9:58:02 AM)

22.03

-0.03 (-0.14%)

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 Cap1.97B
Analysts80
Price Target26.52 (20.38%)
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 10.11
Fwd PE 7.68
P/S 4.14
P/FCF 13.84
P/OCF 13.21
P/B 0.9
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.18
EY9.9%
EPS(NY)2.87
Fwd EY13.02%
FCF(TTM)1.59
FCFY7.22%
OCF(TTM)1.67
OCFY7.57%
SpS5.32
BVpS24.36
TBVpS18.81
PEG (NY)0.38
PEG (5Y)5.2
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
WACC13.8%
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%