25.26 USD
+0.22 (+0.88%)
We assign a fundamental rating of 4 out of 10 to BUSE. BUSE was compared to 387 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! 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.
In the past 5 years BUSE has always been profitable.
In the past 5 years BUSE always reported a positive cash flow from operatings.
1.2 Ratios
BUSE's Return On Assets of 0.54% is on the low side compared to the rest of the industry. BUSE is outperformed by 75.19% of its industry peers.
BUSE has a Return On Equity of 3.97%. This is amonst the worse of the industry: BUSE underperforms 81.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 3.97% | ||
| 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
BUSE has a Profit Margin of 15.30%. This is in the lower half of the industry: BUSE underperforms 76.49% of its industry peers.
BUSE's Profit Margin has been stable in the last couple of years.
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) | 15.3% | ||
| 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
BUSE has more shares outstanding than it did 5 years ago.
BUSE has a better debt/assets ratio than last year.
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.
BUSE has a Debt to FCF ratio (2.16) which is comparable to the rest of the industry.
BUSE has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BUSE (0.14) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.13%
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 18.50%, which is quite good.
Measured over the past 5 years, BUSE shows a small growth in Earnings Per Share. The EPS has been growing by 1.94% on average per year.
Looking at the last year, BUSE shows a very strong growth in Revenue. The Revenue has grown by 40.07%.
The Revenue has been growing slightly by 2.75% on average over the past years.
EPS 1Y (TTM)18.5%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%10.34%
Revenue 1Y (TTM)40.07%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%65.69%
3.2 Future
The Earnings Per Share is expected to grow by 10.30% on average over the next years. This is quite good.
BUSE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.05% yearly.
EPS Next Y21.47%
EPS Next 2Y11.93%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue Next Year56.74%
Revenue Next 2Y31.95%
Revenue Next 3Y22.05%
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 10.66.
Based on the Price/Earnings ratio, BUSE is valued a bit cheaper than the industry average as 78.04% of the companies are valued more expensively.
BUSE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.76.
A Price/Forward Earnings ratio of 9.74 indicates a reasonable valuation of BUSE.
Based on the Price/Forward Earnings ratio, BUSE is valued a bit cheaper than 66.15% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.96. BUSE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 9.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BUSE is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)5.48
EPS Next 2Y11.93%
EPS Next 3Y10.3%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.14%, BUSE is a good candidate for dividend investing.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.11. BUSE pays more dividend than 84.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, BUSE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
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
5.3 Sustainability
80.04% 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.
DP80.04%
EPS Next 2Y11.93%
EPS Next 3Y10.3%
NASDAQ:BUSE (12/12/2025, 10:03:33 AM)
25.26
+0.22 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.66%
Inst Owner Change1.13%
Ins Owners3.7%
Ins Owner Change0.02%
Market Cap2.23B
Revenue(TTM)636.13M
Net Income(TTM)97.33M
Analysts78.46
Price Target26.81 (6.14%)
Short Float %2.22%
Short Ratio4.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP80.04%
Div Incr Years0
Div Non Decr Years8
Ex-Date
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)-1.6%
PT rev (3m)-1.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-0.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 9.74 | ||
| P/S | 3.51 | ||
| P/FCF | 14.17 | ||
| P/OCF | 12.93 | ||
| P/B | 0.91 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY9.38%
EPS(NY)2.59
Fwd EY10.27%
FCF(TTM)1.78
FCFY7.06%
OCF(TTM)1.95
OCFY7.73%
SpS7.2
BVpS27.7
TBVpS22.21
PEG (NY)0.5
PEG (5Y)5.48
Graham Number38.43
Profitability
| Industry Rank | Sector 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)0.99%
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 | 0.14 | ||
| 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
WACC13.13%
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)18.5%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%10.34%
EPS Next Y21.47%
EPS Next 2Y11.93%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue 1Y (TTM)40.07%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%65.69%
Revenue Next Year56.74%
Revenue Next 2Y31.95%
Revenue Next 3Y22.05%
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-5.81%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y-1.38%
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 21.47% in the next year.