FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis
USA - NASDAQ:BUSE - US3193832041 - Common Stock
23.31 USD
-0.17 (-0.72%)
We assign a fundamental rating of 4 out of 10 to BUSE. BUSE was compared to 390 industry peers in the Banks industry. BUSE may be in some trouble as it scores bad on both profitability and health. BUSE is not overvalued while it is showing excellent growth. This is an interesting combination. BUSE also has an excellent dividend rating.
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.
BUSE had positive earnings in each of the past 5 years.
Each year in the past 5 years BUSE had a positive operating cash flow.
1.2 Ratios
BUSE has a worse Return On Assets (0.41%) than 80.00% of its industry peers.
The Return On Equity of BUSE (3.21%) is worse than 82.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 3.21% | ||
| 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
1.3 Margins
The Profit Margin of BUSE (13.86%) is worse than 76.92% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.86% | ||
| 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
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
The number of shares outstanding for BUSE has been increased compared to 5 years ago.
The debt/assets ratio for BUSE has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BUSE is 2.62, which is a good value as it means it would take BUSE, 2.62 years of fcf income to pay off all of its debts.
BUSE has a Debt to FCF ratio (2.62) which is in line with its industry peers.
BUSE has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BUSE (0.18) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BUSE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.86%, 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.
BUSE shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.61%.
The Revenue has been growing slightly by 2.75% on average over the past years.
EPS 1Y (TTM)17.86%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%26%
Revenue 1Y (TTM)25.61%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%70.27%
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 10.86% yearly.
BUSE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.61% yearly.
EPS Next Y21.72%
EPS Next 2Y14.37%
EPS Next 3Y10.86%
EPS Next 5YN/A
Revenue Next Year56.7%
Revenue Next 2Y32.27%
Revenue Next 3Y22.61%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BUSE is valuated reasonably with a Price/Earnings ratio of 10.09.
Based on the Price/Earnings ratio, BUSE is valued a bit cheaper than the industry average as 72.56% of the companies are valued more expensively.
BUSE is valuated cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.61, the valuation of BUSE can be described as very reasonable.
72.31% of the companies in the same industry are more expensive than BUSE, based on the Price/Forward Earnings ratio.
BUSE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 8.61 |
4.2 Price Multiples
BUSE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.8 | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.46
PEG (5Y)5.19
EPS Next 2Y14.37%
EPS Next 3Y10.86%
5. Dividend
5.1 Amount
BUSE has a Yearly Dividend Yield of 4.31%, which is a nice return.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.53. BUSE pays more dividend than 81.54% of the companies in the same industry.
BUSE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
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 Years0
Div Non Decr Years8
5.3 Sustainability
82.87% 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.
DP82.87%
EPS Next 2Y14.37%
EPS Next 3Y10.86%
NASDAQ:BUSE (10/27/2025, 11:06:46 AM)
23.31
-0.17 (-0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.14%
Inst Owner Change-0.08%
Ins Owners3.64%
Ins Owner Change0.12%
Market Cap2.08B
Revenue(TTM)558.29M
Net Income(TTM)77.37M
Analysts78.46
Price Target27.25 (16.9%)
Short Float %2.31%
Short Ratio3.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP82.87%
Div Incr Years0
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.05%
Min EPS beat(2)-1.33%
Max EPS beat(2)5.44%
EPS beat(4)3
Avg EPS beat(4)2.81%
Min EPS beat(4)-1.33%
Max EPS beat(4)5.59%
EPS beat(8)4
Avg EPS beat(8)-0.29%
EPS beat(12)4
Avg EPS beat(12)-2.08%
EPS beat(16)5
Avg EPS beat(16)-2.11%
Revenue beat(2)1
Avg Revenue beat(2)-6.32%
Min Revenue beat(2)-12.98%
Max Revenue beat(2)0.34%
Revenue beat(4)1
Avg Revenue beat(4)-4.18%
Min Revenue beat(4)-12.98%
Max Revenue beat(4)0.34%
Revenue beat(8)1
Avg Revenue beat(8)-4.48%
Revenue beat(12)1
Avg Revenue beat(12)-4.38%
Revenue beat(16)1
Avg Revenue beat(16)-3.72%
PT rev (1m)0%
PT rev (3m)0.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 8.61 | ||
| P/S | 3.72 | ||
| P/FCF | 12.8 | ||
| P/OCF | 12.19 | ||
| P/B | 0.86 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.31
EY9.91%
EPS(NY)2.71
Fwd EY11.62%
FCF(TTM)1.82
FCFY7.81%
OCF(TTM)1.91
OCFY8.2%
SpS6.27
BVpS27.09
TBVpS21.61
PEG (NY)0.46
PEG (5Y)5.19
Graham Number37.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 3.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.86% | ||
| GM | N/A | ||
| FCFM | 29.06% |
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
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-7.01%
PM growth 5Y-0.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 33.55% | ||
| Cap/Sales | 1.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 209.71% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.25%
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)17.86%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%26%
EPS Next Y21.72%
EPS Next 2Y14.37%
EPS Next 3Y10.86%
EPS Next 5YN/A
Revenue 1Y (TTM)25.61%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%70.27%
Revenue Next Year56.7%
Revenue Next 2Y32.27%
Revenue Next 3Y22.61%
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-4.78%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y-3.87%
OCF growth 3Y3.24%
OCF growth 5Y15.09%
FIRST BUSEY CORP / BUSE FAQ
What is the ChartMill fundamental rating of FIRST BUSEY CORP (BUSE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BUSE.
What is the valuation status of FIRST BUSEY CORP (BUSE) stock?
ChartMill assigns a valuation rating of 5 / 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.
What is the financial health of FIRST BUSEY CORP (BUSE) stock?
The financial health rating of FIRST BUSEY CORP (BUSE) is 2 / 10.
Can you provide the expected EPS growth for BUSE stock?
The Earnings per Share (EPS) of FIRST BUSEY CORP (BUSE) is expected to grow by 21.72% in the next year.