FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis
NASDAQ:BUSE - Nasdaq - US3193832041 - Common Stock - Currency: USD
BUSE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. BUSE has a bad profitability rating. Also its financial health evaluation is rather negative. BUSE is not priced too expensively while it is growing strongly. Keep and eye on this one! Finally 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.
BUSE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BUSE's Return On Assets of 0.30% is on the low side compared to the rest of the industry. BUSE is outperformed by 85.06% of its industry peers.
BUSE has a Return On Equity of 2.64%. This is amonst the worse of the industry: BUSE underperforms 85.57% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 12.06%, BUSE is doing worse than 82.03% of the companies in the same industry.
In the last couple of years the Profit Margin of BUSE has remained more or less at the same level.
BUSE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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
BUSE has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 3.74 is on the low side compared to the rest of the industry. BUSE is outperformed by 66.58% of its industry peers.
BUSE has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
BUSE has a worse Debt to Equity ratio (0.24) than 64.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 3.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.36%
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 10.10%, 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.56%.
Measured over the past years, BUSE shows a small growth in Revenue. The Revenue has been growing by 2.75% on average per year.
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
BUSE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.86% yearly.
BUSE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 33.28% yearly.
EPS Next Y25.4%
EPS Next 2Y16.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year57.1%
Revenue Next 2Y33.28%
Revenue Next 3YN/A
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
BUSE is valuated reasonably with a Price/Earnings ratio of 11.18.
Compared to the rest of the industry, the Price/Earnings ratio of BUSE indicates a somewhat cheap valuation: BUSE is cheaper than 73.42% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.45, BUSE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.63, the valuation of BUSE can be described as reasonable.
Based on the Price/Forward Earnings ratio, BUSE is valued a bit cheaper than 77.97% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.90. BUSE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.18 | ||
| Fwd PE | 8.63 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as BUSE.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.32 | ||
| 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.
A more expensive valuation may be justified as BUSE's earnings are expected to grow with 16.86% in the coming years.
PEG (NY)0.44
PEG (5Y)5.75
EPS Next 2Y16.86%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BUSE has a Yearly Dividend Yield of 4.10%, which is a nice return.
Compared to an average industry Dividend Yield of 3.40, BUSE pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, BUSE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
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.
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
95.93% of the earnings are spent on dividend by BUSE. This is not a sustainable payout ratio.
BUSE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP95.93%
EPS Next 2Y16.86%
EPS Next 3YN/A
24.38
+0.34 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.06%
Inst Owner Change55.78%
Ins Owners3.65%
Ins Owner Change12.96%
Market Cap2.18B
Analysts78.33
Price Target26.72 (9.6%)
Short Float %1.84%
Short Ratio2.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP95.93%
Div Incr Years0
Div Non Decr Years8
Ex-Date
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)0.77%
PT rev (3m)-8.07%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)1.41%
EPS NY rev (1m)-0.86%
EPS NY rev (3m)-0.07%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)-1.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.18 | ||
| Fwd PE | 8.63 | ||
| P/S | 4.58 | ||
| P/FCF | 15.32 | ||
| P/OCF | 14.61 | ||
| P/B | 1 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.18
EY8.94%
EPS(NY)2.83
Fwd EY11.59%
FCF(TTM)1.59
FCFY6.53%
OCF(TTM)1.67
OCFY6.84%
SpS5.32
BVpS24.36
TBVpS18.81
PEG (NY)0.44
PEG (5Y)5.75
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC13.36%
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 Y25.4%
EPS Next 2Y16.86%
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 Year57.1%
Revenue Next 2Y33.28%
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%