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FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

NASDAQ:BUSE - Nasdaq - US3193832041 - Common Stock - Currency: USD

21.69  +0.59 (+2.8%)

After market: 21.69 0 (0%)

Fundamental Rating

4

Overall BUSE gets a fundamental rating of 4 out of 10. We evaluated BUSE against 398 industry peers in the Banks industry. BUSE may be in some trouble as it scores bad on both profitability and health. BUSE is not valued too expensively and it also shows a decent growth rate. BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
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.
BUSE Yearly Net Income VS EBIT VS OCF VS FCFBUSE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

1.2 Ratios

BUSE has a Return On Assets of 0.94%. This is in the better half of the industry: BUSE outperforms 62.06% of its industry peers.
The Return On Equity of BUSE (8.22%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.94%
ROE 8.22%
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
BUSE Yearly ROA, ROE, ROICBUSE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of BUSE (24.59%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of BUSE has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BUSE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.59%
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
BUSE Yearly Profit, Operating, Gross MarginsBUSE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
Compared to 1 year ago, BUSE has an improved debt to assets ratio.
BUSE Yearly Shares OutstandingBUSE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BUSE Yearly Total Debt VS Total AssetsBUSE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

BUSE has a debt to FCF ratio of 2.67. This is a good value and a sign of high solvency as BUSE would need 2.67 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.67, BUSE is in line with its industry, outperforming 41.46% of the companies in the same industry.
A Debt/Equity ratio of 0.33 indicates that BUSE is not too dependend on debt financing.
BUSE has a worse Debt to Equity ratio (0.33) than 71.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.67
Altman-Z N/A
ROIC/WACCN/A
WACC13.76%
BUSE Yearly LT Debt VS Equity VS FCFBUSE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BUSE Yearly Current Assets VS Current LiabilitesBUSE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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6

3. Growth

3.1 Past

The earnings per share for BUSE have decreased by -4.61% 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 1.94% on average per year.
BUSE shows a small growth in Revenue. In the last year, the Revenue has grown by 4.63%.
BUSE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.75% yearly.
EPS 1Y (TTM)-4.61%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%15.22%
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%25.49%

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 17.78% yearly.
Based on estimates for the next years, BUSE will show a very strong growth in Revenue. The Revenue will grow by 33.55% on average per year.
EPS Next Y25.65%
EPS Next 2Y17.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year59.23%
Revenue Next 2Y33.55%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BUSE Yearly Revenue VS EstimatesBUSE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
BUSE Yearly EPS VS EstimatesBUSE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.48, the valuation of BUSE can be described as very reasonable.
70.60% 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 28.22.
Based on the Price/Forward Earnings ratio of 8.34, the valuation of BUSE can be described as reasonable.
BUSE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 76.38% of the companies in the same industry.
BUSE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.86.
Industry RankSector Rank
PE 10.48
Fwd PE 8.34
BUSE Price Earnings VS Forward Price EarningsBUSE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

BUSE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.35
EV/EBITDA N/A
BUSE Per share dataBUSE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
BUSE's earnings are expected to grow with 17.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)5.39
EPS Next 2Y17.78%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

BUSE has a Yearly Dividend Yield of 4.81%, which is a nice return.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.52. BUSE pays more dividend than 83.17% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, BUSE pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.81%

5.2 History

The dividend of BUSE has a limited annual growth rate of 2.14%.
BUSE has paid a dividend for at least 10 years, which is 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 Years1
Div Non Decr Years8
BUSE Yearly Dividends per shareBUSE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BUSE pays out 47.65% of its income as dividend. This is a bit on the high side, but may be sustainable.
BUSE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.65%
EPS Next 2Y17.78%
EPS Next 3YN/A
BUSE Yearly Income VS Free CF VS DividendBUSE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M
BUSE Dividend Payout.BUSE Dividend Payout, showing the Payout Ratio.BUSE Dividend Payout.PayoutRetained Earnings

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FIRST BUSEY CORP

NASDAQ:BUSE (5/2/2025, 8:00:02 PM)

After market: 21.69 0 (0%)

21.69

+0.59 (+2.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners62.17%
Inst Owner Change1.8%
Ins Owners3.69%
Ins Owner Change12.41%
Market Cap1.95B
Analysts80
Price Target27.54 (26.97%)
Short Float %1.73%
Short Ratio2.38
Dividend
Industry RankSector Rank
Dividend Yield 4.81%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP47.65%
Div Incr Years1
Div Non Decr Years8
Ex-Date04-17 2025-04-17 (0.25)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.57%
Min EPS beat(2)1.55%
Max EPS beat(2)5.59%
EPS beat(4)2
Avg EPS beat(4)-0.29%
Min EPS beat(4)-7.3%
Max EPS beat(4)5.59%
EPS beat(8)3
Avg EPS beat(8)-1.87%
EPS beat(12)3
Avg EPS beat(12)-3.42%
EPS beat(16)6
Avg EPS beat(16)0.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.03%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-2.4%
Max Revenue beat(4)-0.45%
Revenue beat(8)0
Avg Revenue beat(8)-4.39%
Revenue beat(12)0
Avg Revenue beat(12)-3.63%
Revenue beat(16)0
Avg Revenue beat(16)-3.34%
PT rev (1m)-5.26%
PT rev (3m)-10%
EPS NQ rev (1m)-1.55%
EPS NQ rev (3m)6%
EPS NY rev (1m)0.13%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)0.44%
Revenue NQ rev (3m)19.75%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)2.36%
Valuation
Industry RankSector Rank
PE 10.48
Fwd PE 8.34
P/S 4.22
P/FCF 11.35
P/OCF 10.94
P/B 1.41
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)2.07
EY9.54%
EPS(NY)2.6
Fwd EY11.99%
FCF(TTM)1.91
FCFY8.81%
OCF(TTM)1.98
OCFY9.14%
SpS5.14
BVpS15.38
TBVpS11.31
PEG (NY)0.41
PEG (5Y)5.39
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 8.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.59%
GM N/A
FCFM 37.17%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.67
Debt/EBITDA N/A
Cap/Depr 31.28%
Cap/Sales 1.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 151.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.76%
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)-4.61%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%15.22%
EPS Next Y25.65%
EPS Next 2Y17.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%25.49%
Revenue Next Year59.23%
Revenue Next 2Y33.55%
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 1Y4.87%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y2.81%
OCF growth 3Y3.24%
OCF growth 5Y15.09%