FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

NASDAQ:BUSE • US3193832041

25.38 USD
-1.05 (-3.97%)
At close: Feb 23, 2026
25.38 USD
0 (0%)
After Hours: 2/23/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BUSE. BUSE was compared to 379 industry peers in the Banks industry. BUSE may be in some trouble as it scores bad on both profitability and health. BUSE has a decent growth rate and is not valued too expensively. 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.
  • In the past year BUSE had a positive cash flow from operations.
  • Each year in the past 5 years BUSE has been profitable.
  • 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

  • Looking at the Return On Assets, with a value of 0.54%, BUSE is doing worse than 75.73% of the companies in the same industry.
  • The Return On Equity of BUSE (3.97%) is worse than 82.32% of its industry peers.
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 76.78% 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 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

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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.
  • The number of shares outstanding for BUSE has been increased compared to 1 year ago.
  • Compared to 5 years ago, BUSE has more shares outstanding
  • Compared to 1 year ago, BUSE has an improved debt to assets ratio.
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

  • BUSE has a debt to FCF ratio of 2.16. This is a good value and a sign of high solvency as BUSE would need 2.16 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.16, BUSE is in line with its industry, outperforming 45.91% of the companies in the same industry.
  • A Debt/Equity ratio of 0.14 indicates that BUSE is not too dependend on debt financing.
  • The Debt to Equity ratio of BUSE (0.14) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACCN/A
WACC12.93%
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

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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.
  • The Revenue has grown by 55.66% in the past year. This is a very strong growth!
  • 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

  • The Earnings Per Share is expected to grow by 5.30% on average over the next years.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.07, which indicates a very decent valuation of BUSE.
  • 80.47% of the companies in the same industry are more expensive than BUSE, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, BUSE is valued rather cheaply.
  • BUSE is valuated reasonably with a Price/Forward Earnings ratio of 9.75.
  • BUSE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 66.23% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, BUSE is valued rather cheaply.
Industry RankSector Rank
PE 10.07
Fwd PE 9.75
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 60.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.11
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)3.06
PEG (5Y)1.52
EPS Next 2Y5.3%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • BUSE has a Yearly Dividend Yield of 3.97%.
  • BUSE's Dividend Yield is rather good when compared to the industry average which is at 2.74. BUSE pays more dividend than 81.27% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, BUSE pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.97%

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 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

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Find the best dividend stocksShow peers with best dividend

FIRST BUSEY CORP

NASDAQ:BUSE (2/23/2026, 4:30:02 PM)

After market: 25.38 0 (0%)

25.38

-1.05 (-3.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners64.72%
Inst Owner Change4.26%
Ins Owners3.68%
Ins Owner Change1.19%
Market Cap2.22B
Revenue(TTM)719.58M
Net Income(TTM)97.33M
Analysts76.67
Price Target28.22 (11.19%)
Short Float %1.96%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
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)5.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.27%
EPS NY rev (1m)0.33%
EPS NY rev (3m)-0.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 10.07
Fwd PE 9.75
P/S 3.5
P/FCF 14.11
P/OCF 12.88
P/B 0.91
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.52
EY9.93%
EPS(NY)2.6
Fwd EY10.26%
FCF(TTM)1.8
FCFY7.09%
OCF(TTM)1.97
OCFY7.77%
SpS7.26
BVpS27.95
TBVpS22.41
PEG (NY)3.06
PEG (5Y)1.52
Graham Number39.81
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
WACC12.93%
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.