FIRST BUSEY CORP (BUSE)
US3193832041 - Common Stock
Overall BUSE gets a fundamental rating of 4 out of 10. We evaluated BUSE against 412 industry peers in the Banks industry. BUSE has a medium profitability rating, but doesn't score so well on its financial health evaluation. BUSE has a valuation in line with the averages, but it does not seem to be growing. Finally 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.
BUSE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.00%, BUSE is doing good in the industry, outperforming 62.38% of the companies in the same industry.
The Return On Equity of BUSE (9.64%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.64% | ||
| 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
With a decent Profit Margin value of 27.76%, BUSE is doing good in the industry, outperforming 68.45% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.76% | ||
| 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
Compared to 1 year ago, BUSE has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BUSE is 3.13, which is a good value as it means it would take BUSE, 3.13 years of fcf income to pay off all of its debts.
BUSE has a Debt to FCF ratio of 3.13. This is comparable to the rest of the industry: BUSE outperforms 44.90% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that BUSE is not too dependend on debt financing.
BUSE's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. BUSE is outperformed by 64.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 3.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.82%
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 by -6.87% 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.
BUSE shows a decrease in Revenue. In the last year, the revenue decreased by -1.85%.
Measured over the past years, BUSE shows a small growth in Revenue. The Revenue has been growing by 5.92% on average per year.
EPS 1Y (TTM)-6.87%
EPS 3Y5.84%
EPS 5Y1.44%
EPS growth Q2Q-28.12%
Revenue 1Y (TTM)-1.85%
Revenue growth 3Y3.27%
Revenue growth 5Y5.92%
Revenue growth Q2Q-9.61%
3.2 Future
Based on estimates for the next years, BUSE will show a small growth in Earnings Per Share. The EPS will grow by 4.43% on average per year.
The Revenue is expected to grow by 5.89% on average over the next years.
EPS Next Y-3.25%
EPS Next 2Y4.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.71%
Revenue Next 2Y5.89%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.38 indicates a reasonable valuation of BUSE.
The rest of the industry has a similar Price/Earnings ratio as BUSE.
Compared to an average S&P500 Price/Earnings ratio of 24.80, BUSE is valued rather cheaply.
BUSE is valuated reasonably with a Price/Forward Earnings ratio of 10.73.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BUSE is on the same level as its industry peers.
BUSE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 10.73 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BUSE indicates a somewhat cheap valuation: BUSE is cheaper than 62.38% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)7.2
EPS Next 2Y4.43%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.32%, BUSE is a good candidate for dividend investing.
BUSE's Dividend Yield is a higher than the industry average which is at 3.91.
Compared to an average S&P500 Dividend Yield of 2.40, BUSE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.32% |
5.2 History
The dividend of BUSE has a limited annual growth rate of 3.88%.
BUSE has paid a dividend for at least 10 years, which is a reliable track record.
BUSE has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.88%
Div Incr Years1
Div Non Decr Years10
5.3 Sustainability
BUSE pays out 43.27% of its income as dividend. This is a bit on the high side, but may be sustainable.
BUSE's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP43.27%
EPS Next 2Y4.43%
EPS Next 3YN/A
FIRST BUSEY CORP
NASDAQ:BUSE (4/19/2024, 2:22:41 PM)
22.53
+0.67 (+3.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.24B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.32% |
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 | 10.38 | ||
| Fwd PE | 10.73 | ||
| 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)7.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 9.64% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.76% | ||
| 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 | 0.39 | ||
| 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)
Growth
EPS 1Y (TTM)-6.87%
EPS 3Y5.84%
EPS 5Y
EPS growth Q2Q
EPS Next Y-3.25%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.85%
Revenue growth 3Y3.27%
Revenue growth 5Y
Revenue growth 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