FIRST BUSEY CORP (BUSE)
US3193832041 - Common Stock
Overall BUSE gets a fundamental rating of 4 out of 10. We evaluated BUSE against 405 industry peers in the Banks industry. While BUSE is still in line with the averages on profitability rating, there are concerns on its financial health. BUSE is not valued too expensively and it also shows a decent growth rate. BUSE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BUSE was profitable.
BUSE had a positive operating cash flow in the past year.
Each year in the past 5 years BUSE has been profitable.
Each year in the past 5 years BUSE had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.92%, BUSE is doing good in the industry, outperforming 61.19% of the companies in the same industry.
BUSE has a Return On Equity of 8.25%. This is comparable to the rest of the industry: BUSE outperforms 50.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 8.25% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)1%
ROE(3y)10.06%
ROE(5y)9.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BUSE has a better Profit Margin (24.76%) than 60.45% 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) | 24.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.53%
PM growth 5Y-1.45%
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
Compared to 5 years ago, BUSE has more shares outstanding
The debt/assets ratio for BUSE has been reduced compared to a year ago.
2.2 Solvency
BUSE has a debt to FCF ratio of 3.04. This is a good value and a sign of high solvency as BUSE would need 3.04 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.04, BUSE perfoms like the industry average, outperforming 46.77% of the companies in the same industry.
BUSE has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
BUSE's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. BUSE is outperformed by 65.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 3.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BUSE have decreased strongly by -20.33% in the last year.
Measured over the past 5 years, BUSE shows a small growth in Earnings Per Share. The EPS has been growing by 1.44% on average per year.
Looking at the last year, BUSE shows a decrease in Revenue. The Revenue has decreased by -3.76% in the last year.
The Revenue has been growing slightly by 5.92% on average over the past years.
EPS 1Y (TTM)-20.33%
EPS 3Y5.84%
EPS 5Y1.44%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-3.76%
Revenue growth 3Y3.27%
Revenue growth 5Y5.92%
Sales Q2Q%9.03%
3.2 Future
The Earnings Per Share is expected to grow by 11.20% on average over the next years. This is quite good.
The Revenue is expected to grow by 23.70% on average over the next years. This is a very strong growth
EPS Next Y-3.01%
EPS Next 2Y10.46%
EPS Next 3Y11.2%
EPS Next 5YN/A
Revenue Next Year5.18%
Revenue Next 2Y28.27%
Revenue Next 3Y23.7%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.70, BUSE is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of BUSE is on the same level as its industry peers.
When comparing the Price/Earnings ratio of BUSE to the average of the S&P500 Index (31.73), we can say BUSE is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.40, the valuation of BUSE can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BUSE indicates a somewhat cheap valuation: BUSE is cheaper than 77.86% of the companies listed in the same industry.
BUSE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.7 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BUSE is valued a bit cheaper than 64.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.8
EPS Next 2Y10.46%
EPS Next 3Y11.2%
5. Dividend
5.1 Amount
BUSE has a Yearly Dividend Yield of 3.91%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, BUSE pays a bit more dividend than its industry peers.
BUSE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
5.2 History
The dividend of BUSE has a limited annual growth rate of 3.88%.
BUSE has been paying a dividend for at least 10 years, so it has 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)3.88%
Div Incr Years1
Div Non Decr Years7
5.3 Sustainability
BUSE pays out 48.58% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of BUSE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.58%
EPS Next 2Y10.46%
EPS Next 3Y11.2%
FIRST BUSEY CORP
NASDAQ:BUSE (10/14/2024, 8:17:37 PM)
After market: 24.9 0 (0%)24.9
-0.37 (-1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.42B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.7 | ||
| Fwd PE | 9.4 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)8.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 8.25% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.76% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-20.33%
EPS 3Y5.84%
EPS 5Y
EPS Q2Q%
EPS Next Y-3.01%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-3.76%
Revenue growth 3Y3.27%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y