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

NASDAQ:BUSEP - US3193836000

25.33 USD
-0.17 (-0.67%)
Last: 9/9/2025, 8:00:02 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BUSEP. BUSEP was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of BUSEP have multiple concerns. BUSEP is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BUSEP was profitable.
BUSEP had a positive operating cash flow in the past year.
In the past 5 years BUSEP has always been profitable.
Each year in the past 5 years BUSEP 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

1.2 Ratios

The Return On Assets of BUSEP (0.41%) is worse than 78.52% of its industry peers.
The Return On Equity of BUSEP (3.21%) is worse than 82.35% of its industry peers.
Industry RankSector 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
BUSEP Yearly ROA, ROE, ROICBUSEP 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

BUSEP has a Profit Margin of 13.86%. This is in the lower half of the industry: BUSEP underperforms 76.21% of its industry peers.
In the last couple of years the Profit Margin of BUSEP has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BUSEP so they could not be analyzed.
Industry RankSector 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
BUSEP Yearly Profit, Operating, Gross MarginsBUSEP 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

BUSEP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BUSEP has more shares outstanding
The number of shares outstanding for BUSEP has been increased compared to 5 years ago.
BUSEP has a better debt/assets ratio than last year.
BUSEP Yearly Shares OutstandingBUSEP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BUSEP Yearly Total Debt VS Total AssetsBUSEP 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

The Debt to FCF ratio of BUSEP is 2.62, which is a good value as it means it would take BUSEP, 2.62 years of fcf income to pay off all of its debts.
BUSEP's Debt to FCF ratio of 2.62 is in line compared to the rest of the industry. BUSEP outperforms 42.20% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that BUSEP is not too dependend on debt financing.
BUSEP has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.62
Altman-Z N/A
ROIC/WACCN/A
WACC13%
BUSEP Yearly LT Debt VS Equity VS FCFBUSEP 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
BUSEP Yearly Current Assets VS Current LiabilitesBUSEP 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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.86% 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 1.94% on average per year.
The Revenue has grown by 25.61% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 2.75% on average over the past years.
EPS 1Y (TTM)17.86%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%26%
Revenue 1Y (TTM)25.61%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%70.38%

3.2 Future

The Earnings Per Share is expected to grow by 11.05% on average over the next years. This is quite good.
BUSEP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.61% yearly.
EPS Next Y21.72%
EPS Next 2Y14.37%
EPS Next 3Y11.05%
EPS Next 5YN/A
Revenue Next Year56.7%
Revenue Next 2Y32.25%
Revenue Next 3Y22.61%
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.
BUSEP Yearly Revenue VS EstimatesBUSEP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.97, the valuation of BUSEP can be described as very reasonable.
BUSEP's Price/Earnings ratio is a bit cheaper when compared to the industry. BUSEP is cheaper than 71.10% of the companies in the same industry.
BUSEP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
Based on the Price/Forward Earnings ratio of 9.35, the valuation of BUSEP can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BUSEP indicates a somewhat cheap valuation: BUSEP is cheaper than 65.98% of the companies listed in the same industry.
BUSEP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.59, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.97
Fwd PE 9.35
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 13.91
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

BUSEP's 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)5.64
EPS Next 2Y14.37%
EPS Next 3Y11.05%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.09%, BUSEP is a good candidate for dividend investing.
BUSEP's Dividend Yield is rather good when compared to the industry average which is at 3.56. BUSEP pays more dividend than 97.70% of the companies in the same industry.
BUSEP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 8.09%

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

82.87% of the earnings are spent on dividend by BUSEP. This is not a sustainable payout ratio.
BUSEP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP82.87%
EPS Next 2Y14.37%
EPS Next 3Y11.05%
BUSEP Yearly Income VS Free CF VS DividendBUSEP 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
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 (9/9/2025, 8:00:02 PM)

25.33

-0.17 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners61.16%
Inst Owner ChangeN/A
Ins Owners3.63%
Ins Owner ChangeN/A
Market Cap2.26B
Analysts78.46
Price Target29.49 (16.42%)
Short Float %0.01%
Short Ratio0.1
Dividend
Industry RankSector Rank
Dividend Yield 8.09%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP82.87%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)-2.72%
Revenue beat(12)1
Avg Revenue beat(12)-3.2%
Revenue beat(16)1
Avg Revenue beat(16)-2.84%
PT rev (1m)1.66%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.26%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.97
Fwd PE 9.35
P/S 4.04
P/FCF 13.91
P/OCF 13.25
P/B 0.94
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.31
EY9.12%
EPS(NY)2.71
Fwd EY10.69%
FCF(TTM)1.82
FCFY7.19%
OCF(TTM)1.91
OCFY7.55%
SpS6.27
BVpS27.09
TBVpS21.61
PEG (NY)0.5
PEG (5Y)5.64
Profitability
Industry RankSector 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
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-Score5
Asset Turnover0.03
Health
Industry RankSector 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%
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)17.86%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%26%
EPS Next Y21.72%
EPS Next 2Y14.37%
EPS Next 3Y11.05%
EPS Next 5YN/A
Revenue 1Y (TTM)25.61%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%70.38%
Revenue Next Year56.7%
Revenue Next 2Y32.25%
Revenue Next 3Y22.61%
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%