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

NASDAQ:BUSEP • US3193836000

Current stock price

25.6497 USD
+0.05 (+0.19%)
Last:

This BUSEP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BUSEP Profitability Analysis

1.1 Basic Checks

  • In the past year BUSEP was profitable.
  • BUSEP had a positive operating cash flow in the past year.
  • BUSEP had positive earnings in each of the past 5 years.
  • BUSEP had a positive operating cash flow in each of the past 5 years.
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

  • BUSEP has a Return On Assets of 0.69%. This is in the lower half of the industry: BUSEP underperforms 73.16% of its industry peers.
  • With a Return On Equity value of 5.08%, BUSEP is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.69%
ROE 5.08%
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

  • The Profit Margin of BUSEP (17.42%) is worse than 76.84% of its industry peers.
  • BUSEP's Profit Margin has declined in the last couple of years.
  • 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) 17.42%
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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2

2. BUSEP Health Analysis

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.
  • Compared to 1 year ago, BUSEP has an improved debt to assets ratio.
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 2.05. This is a good value and a sign of high solvency as BUSEP would need 2.05 years to pay back of all of its debts.
  • BUSEP has a Debt to FCF ratio of 2.05. This is comparable to the rest of the industry: BUSEP outperforms 48.42% of its industry peers.
  • BUSEP has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • BUSEP has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: BUSEP outperforms 55.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.05
Altman-Z N/A
ROIC/WACCN/A
WACC16.23%
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. BUSEP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.74% over the past year.
  • BUSEP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.61% yearly.
  • 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 4.72% on average per year.
  • Based on estimates for the next years, BUSEP will show a small growth in Revenue. The Revenue will grow by 7.58% on average per year.
EPS Next Y2.88%
EPS Next 2Y4.72%
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 decreasing: in the next years the growth will be less 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 decreasing.
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. BUSEP Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.18, the valuation of BUSEP can be described as reasonable.
  • Based on the Price/Earnings ratio, BUSEP is valued a bit cheaper than 74.47% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BUSEP to the average of the S&P500 Index (25.50), we can say BUSEP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.89 indicates a reasonable valuation of BUSEP.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BUSEP.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. BUSEP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.18
Fwd PE 9.89
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

  • BUSEP's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.79
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)3.53
PEG (5Y)1.54
EPS Next 2Y4.72%
EPS Next 3YN/A

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

5

5. BUSEP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.24%, BUSEP is a good candidate for dividend investing.
  • BUSEP's Dividend Yield is rather good when compared to the industry average which is at 2.78. BUSEP pays more dividend than 83.95% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, BUSEP pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.24%

5.2 History

  • On average, the dividend of BUSEP grows each year by 7.41%, which is quite nice.
  • BUSEP does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)7.41%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 72.57% of the earnings are spent on dividend by BUSEP. This is not a sustainable payout ratio.
  • The dividend of BUSEP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP72.57%
EPS Next 2Y4.72%
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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BUSEP Fundamentals: All Metrics, Ratios and Statistics

FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP

NASDAQ:BUSEP (3/24/2026, 4:30:02 PM)

25.6497

+0.05 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners63.53%
Inst Owner ChangeN/A
Ins Owners3.83%
Ins Owner ChangeN/A
Market Cap2.21B
Revenue(TTM)719.58M
Net Income(TTM)125.39M
Analysts78.46
Price Target28.9 (12.67%)
Short Float %0.03%
Short Ratio1.02
Dividend
Industry RankSector Rank
Dividend Yield 4.24%
Yearly Dividend1.26
Dividend Growth(5Y)7.41%
DP72.57%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.11%
Min EPS beat(2)0.6%
Max EPS beat(2)7.61%
EPS beat(4)3
Avg EPS beat(4)3.08%
Min EPS beat(4)-1.33%
Max EPS beat(4)7.61%
EPS beat(8)5
Avg EPS beat(8)1.39%
EPS beat(12)6
Avg EPS beat(12)-0.22%
EPS beat(16)6
Avg EPS beat(16)-1.79%
Revenue beat(2)0
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-1.82%
Max Revenue beat(2)-0.61%
Revenue beat(4)1
Avg Revenue beat(4)-3.77%
Min Revenue beat(4)-12.98%
Max Revenue beat(4)0.34%
Revenue beat(8)1
Avg Revenue beat(8)-2.71%
Revenue beat(12)1
Avg Revenue beat(12)-3.01%
Revenue beat(16)1
Avg Revenue beat(16)-2.79%
PT rev (1m)-0.49%
PT rev (3m)2.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.64%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 10.18
Fwd PE 9.89
P/S 3.07
P/FCF 12.79
P/OCF 11.49
P/B 0.9
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)2.52
EY9.82%
EPS(NY)2.59
Fwd EY10.11%
FCF(TTM)2.01
FCFY7.82%
OCF(TTM)2.23
OCFY8.71%
SpS8.34
BVpS28.63
TBVpS23.06
PEG (NY)3.53
PEG (5Y)1.54
Graham Number40.29
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 5.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.42%
GM N/A
FCFM 24.04%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.05
Debt/EBITDA N/A
Cap/Depr 64.95%
Cap/Sales 2.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 137.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.23%
ROIC/WACCN/A
Cap/Depr(3y)46.07%
Cap/Depr(5y)35.08%
Cap/Sales(3y)2.09%
Cap/Sales(5y)1.72%
Profit Quality(3y)140.92%
Profit Quality(5y)135.07%
High Growth Momentum
Growth
EPS 1Y (TTM)21.74%
EPS 3Y2.65%
EPS 5Y6.61%
EPS Q2Q%28.3%
EPS Next Y2.88%
EPS Next 2Y4.72%
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 1Y0.65%
FCF growth 3Y2.46%
FCF growth 5Y1.7%
OCF growth 1Y8.02%
OCF growth 3Y5.12%
OCF growth 5Y3.37%

FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP / BUSEP Fundamental Analysis 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 4 / 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 2.88% 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 72.57%.