FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) Stock Fundamental Analysis

NASDAQ:BUSEP • US3193836000

25.99 USD
-0.01 (-0.04%)
Last: Feb 23, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BUSEP. BUSEP was compared to 379 industry peers in the Banks industry. BUSEP has a bad profitability rating. Also its financial health evaluation is rather negative. BUSEP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • BUSEP had positive earnings in the past year.
  • BUSEP had a positive operating cash flow in the past year.
  • Each year in the past 5 years BUSEP has been profitable.
  • Of the past 5 years BUSEP 4 years had a positive operating cash flow.
BUSEP Yearly Net Income VS EBIT VS OCF VS FCFBUSEP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

1.2 Ratios

  • The Return On Assets of BUSEP (0.54%) is worse than 75.73% of its industry peers.
  • BUSEP has a worse Return On Equity (3.97%) than 82.32% of its industry peers.
Industry RankSector Rank
ROA 0.54%
ROE 3.97%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.93%
ROE(3y)7.64%
ROE(5y)8.7%
ROIC(3y)N/A
ROIC(5y)N/A
BUSEP Yearly ROA, ROE, ROICBUSEP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 15.30%, BUSEP is doing worse than 76.78% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BUSEP has declined.
  • BUSEP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.12%
PM growth 5Y-6.97%
GM growth 3YN/A
GM growth 5YN/A
BUSEP Yearly Profit, Operating, Gross MarginsBUSEP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • BUSEP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BUSEP has been increased compared to 1 year ago.
  • The number of shares outstanding for BUSEP has been increased compared to 5 years ago.
  • The debt/assets ratio for BUSEP has been reduced compared to a year ago.
BUSEP Yearly Shares OutstandingBUSEP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
BUSEP Yearly Total Debt VS Total AssetsBUSEP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • BUSEP has a debt to FCF ratio of 2.16. This is a good value and a sign of high solvency as BUSEP would need 2.16 years to pay back of all of its debts.
  • BUSEP's Debt to FCF ratio of 2.16 is in line compared to the rest of the industry. BUSEP outperforms 45.91% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that BUSEP is not too dependend on debt financing.
  • BUSEP has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACCN/A
WACC12.99%
BUSEP Yearly LT Debt VS Equity VS FCFBUSEP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BUSEP Yearly Current Assets VS Current LiabilitesBUSEP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.74% over the past year.
  • Measured over the past 5 years, BUSEP shows a small growth in Earnings Per Share. The EPS has been growing by 6.61% on average per year.
  • BUSEP shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.66%.
  • BUSEP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.39% yearly.
EPS 1Y (TTM)21.74%
EPS 3Y2.65%
EPS 5Y6.61%
EPS Q2Q%28.3%
Revenue 1Y (TTM)55.66%
Revenue growth 3Y16.92%
Revenue growth 5Y12.39%
Sales Q2Q%71.45%

3.2 Future

  • Based on estimates for the next years, BUSEP will show a small growth in Earnings Per Share. The EPS will grow by 5.30% on average per year.
  • BUSEP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.58% yearly.
EPS Next Y3.29%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.61%
Revenue Next 2Y7.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BUSEP Yearly Revenue VS EstimatesBUSEP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
BUSEP Yearly EPS VS EstimatesBUSEP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.31, the valuation of BUSEP can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of BUSEP indicates a somewhat cheap valuation: BUSEP is cheaper than 78.36% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. BUSEP is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.99, which indicates a very decent valuation of BUSEP.
  • Based on the Price/Forward Earnings ratio, BUSEP is valued a bit cheaper than the industry average as 62.53% of the companies are valued more expensively.
  • BUSEP is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.31
Fwd PE 9.99
BUSEP Price Earnings VS Forward Price EarningsBUSEP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BUSEP is valued a bit more expensive than the industry average as 60.69% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.45
EV/EBITDA N/A
BUSEP Per share dataBUSEP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BUSEP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.14
PEG (5Y)1.56
EPS Next 2Y5.3%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.97%, BUSEP has a reasonable but not impressive dividend return.
  • BUSEP's Dividend Yield is rather good when compared to the industry average which is at 2.74. BUSEP pays more dividend than 81.27% of the companies in the same industry.
  • BUSEP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.97%

5.2 History

  • The dividend of BUSEP has a limited annual growth rate of 2.14%.
  • BUSEP is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)2.14%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • BUSEP pays out 80.04% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of BUSEP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP80.04%
EPS Next 2Y5.3%
EPS Next 3YN/A
BUSEP Yearly Income VS Free CF VS DividendBUSEP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M
BUSEP Dividend Payout.BUSEP Dividend Payout, showing the Payout Ratio.BUSEP Dividend Payout.PayoutRetained Earnings

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FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP

NASDAQ:BUSEP (2/23/2026, 8:00:03 PM)

25.99

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners64.72%
Inst Owner ChangeN/A
Ins Owners3.68%
Ins Owner ChangeN/A
Market Cap2.28B
Revenue(TTM)719.58M
Net Income(TTM)97.33M
Analysts76.67
Price Target29.04 (11.74%)
Short Float %0.02%
Short Ratio0.84
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP80.04%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)-2.79%
Revenue beat(12)1
Avg Revenue beat(12)-3.3%
Revenue beat(16)1
Avg Revenue beat(16)-2.84%
PT rev (1m)-1.21%
PT rev (3m)-1.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.27%
EPS NY rev (1m)0.33%
EPS NY rev (3m)-0.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 10.31
Fwd PE 9.99
P/S 3.58
P/FCF 14.45
P/OCF 13.19
P/B 0.93
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)2.52
EY9.7%
EPS(NY)2.6
Fwd EY10.01%
FCF(TTM)1.8
FCFY6.92%
OCF(TTM)1.97
OCFY7.58%
SpS7.26
BVpS27.95
TBVpS22.41
PEG (NY)3.14
PEG (5Y)1.56
Graham Number39.81
Profitability
Industry RankSector 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)0.88%
ROA(5y)0.93%
ROE(3y)7.64%
ROE(5y)8.7%
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-15.12%
PM growth 5Y-6.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector 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
WACC12.99%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.74%
EPS 3Y2.65%
EPS 5Y6.61%
EPS Q2Q%28.3%
EPS Next Y3.29%
EPS Next 2Y5.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)55.66%
Revenue growth 3Y16.92%
Revenue growth 5Y12.39%
Sales Q2Q%71.45%
Revenue Next Year11.61%
Revenue Next 2Y7.58%
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-4.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.37%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP / BUSEP FAQ

What is the fundamental rating for BUSEP stock?

ChartMill assigns a fundamental rating of 3 / 10 to BUSEP.


Can you provide the valuation status for FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP?

ChartMill assigns a valuation rating of 5 / 10 to FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP). This can be considered as Fairly Valued.


How profitable is FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) stock?

FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) has a profitability rating of 2 / 10.


What is the expected EPS growth for FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) stock?

The Earnings per Share (EPS) of FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) is expected to grow by 3.29% in the next year.


Is the dividend of FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP sustainable?

The dividend rating of FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) is 5 / 10 and the dividend payout ratio is 80.04%.