Logo image of BUSE

FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

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

22.265  +0.66 (+3.03%)

After market: 22.265 0 (0%)

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. 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

Quickly go to:

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.
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

BUSE has a Return On Assets of 0.30%. This is amonst the worse of the industry: BUSE underperforms 84.56% of its industry peers.
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

Looking at the Profit Margin, with a value of 12.06%, BUSE is doing worse than 81.52% of the companies in the same industry.
BUSE's Profit Margin has been stable in the last couple of years.
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) 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

More info and screens

1

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.
BUSE has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BUSE has been reduced compared to a year ago.
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 has a Debt to FCF ratio of 3.74. This is in the lower half of the industry: BUSE underperforms 66.33% of its industry peers.
A Debt/Equity ratio of 0.24 indicates that BUSE is not too dependend on debt financing.
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

More info and screens

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.
The Earnings Per Share has been growing slightly by 1.94% on average over the past years.
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

Based on estimates for the next years, BUSE will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.69% on average per year.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.21 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 75.95% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.35. BUSE is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.77 indicates a rather cheap valuation of BUSE.
BUSE's Price/Forward Earnings ratio is rather cheap when compared to the industry. BUSE is cheaper than 82.78% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BUSE to the average of the S&P500 Index (22.20), we can say BUSE is valued rather cheaply.
Industry RankSector Rank
PE 10.21
Fwd PE 7.77
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

The rest of the industry has a similar Price/Free Cash Flow ratio as BUSE.
Industry RankSector Rank
P/FCF 13.99
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

BUSE's 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)0.39
PEG (5Y)5.25
EPS Next 2Y17.69%
EPS Next 3YN/A

More info and screens

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 82.28% of the companies 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 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

BUSE pays out 95.93% 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.
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

More info and screens

FIRST BUSEY CORP

NASDAQ:BUSE (5/27/2025, 8:05:14 PM)

After market: 22.265 0 (0%)

22.265

+0.66 (+3.03%)

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 Cap1.99B
Analysts80
Price Target26.52 (19.11%)
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 10.21
Fwd PE 7.77
P/S 4.18
P/FCF 13.99
P/OCF 13.35
P/B 0.91
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)2.18
EY9.79%
EPS(NY)2.87
Fwd EY12.88%
FCF(TTM)1.59
FCFY7.15%
OCF(TTM)1.67
OCFY7.49%
SpS5.32
BVpS24.36
TBVpS18.81
PEG (NY)0.39
PEG (5Y)5.25
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%