23.54 USD
-0.22 (-0.93%)
23.54 USD
0 (0%)
Taking everything into account, BUSE scores 4 out of 10 in our fundamental rating. BUSE was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of BUSE have multiple concerns. BUSE is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! BUSE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BUSE was profitable.
In the past year BUSE had a positive cash flow from operations.
BUSE had positive earnings in each of the past 5 years.
In the past 5 years BUSE always reported a positive cash flow from operatings.
1.2 Ratios
BUSE has a Return On Assets of 0.41%. This is amonst the worse of the industry: BUSE underperforms 81.14% of its industry peers.
With a Return On Equity value of 3.21%, BUSE is not doing good in the industry: 85.01% of the companies in the same industry are doing better.
| 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
With a Profit Margin value of 13.86%, BUSE is not doing good in the industry: 79.84% of the companies in the same industry are doing better.
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.
BUSE has more shares outstanding than it did 1 year ago.
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
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 of 2.62. This is comparable to the rest of the industry: BUSE outperforms 42.64% of 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.
Looking at the Debt to Equity ratio, with a value of 0.18, BUSE is in line with its industry, outperforming 48.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.22%
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.
BUSE shows a strong growth in Revenue. In the last year, the Revenue has grown by 40.07%.
BUSE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.75% yearly.
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
Based on estimates for the next years, BUSE will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.30% on average per year.
BUSE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.05% yearly.
EPS Next Y21.56%
EPS Next 2Y12.58%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue Next Year56.74%
Revenue Next 2Y32.1%
Revenue Next 3Y22.05%
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
BUSE is valuated reasonably with a Price/Earnings ratio of 9.93.
74.42% of the companies in the same industry are more expensive than BUSE, based on the Price/Earnings ratio.
BUSE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
BUSE is valuated reasonably with a Price/Forward Earnings ratio of 8.97.
BUSE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 68.22% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BUSE to the average of the S&P500 Index (36.12), we can say BUSE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 8.97 |
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 | 12.92 | ||
| 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)5.11
EPS Next 2Y12.58%
EPS Next 3Y10.3%
5. Dividend
5.1 Amount
BUSE has a Yearly Dividend Yield of 4.46%, which is a nice return.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.33. BUSE pays more dividend than 85.01% of the companies in the same industry.
BUSE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.46% |
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
82.87% 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.
DP82.87%
EPS Next 2Y12.58%
EPS Next 3Y10.3%
23.54
-0.22 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.14%
Inst Owner Change1.13%
Ins Owners3.64%
Ins Owner Change0.15%
Market Cap2.10B
Revenue(TTM)636.13M
Net Income(TTM)77.37M
Analysts78.46
Price Target26.81 (13.89%)
Short Float %2.29%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.46% |
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)-1.6%
PT rev (3m)-1.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 8.97 | ||
| P/S | 3.76 | ||
| P/FCF | 12.92 | ||
| P/OCF | 12.31 | ||
| P/B | 0.87 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY10.07%
EPS(NY)2.62
Fwd EY11.15%
FCF(TTM)1.82
FCFY7.74%
OCF(TTM)1.91
OCFY8.12%
SpS6.27
BVpS27.09
TBVpS21.61
PEG (NY)0.46
PEG (5Y)5.11
Graham Number38
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
WACC13.22%
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 Y21.56%
EPS Next 2Y12.58%
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 2Y32.1%
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-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 21.56% in the next year.