25.45 USD
+0.05 (+0.2%)
Overall BUSEP gets a fundamental rating of 4 out of 10. We evaluated BUSEP against 387 industry peers in the Banks industry. BUSEP may be in some trouble as it scores bad on both profitability and health. BUSEP is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year BUSEP was profitable.
In the past year BUSEP had a positive cash flow from operations.
Each year in the past 5 years BUSEP has been profitable.
In the past 5 years BUSEP always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of BUSEP (0.41%) is worse than 81.40% of its industry peers.
The Return On Equity of BUSEP (3.21%) is worse than 85.27% of its industry peers.
| 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
BUSEP's Profit Margin of 13.86% is on the low side compared to the rest of the industry. BUSEP is outperformed by 80.10% of its industry peers.
BUSEP's Profit Margin has been stable 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 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
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
Compared to 5 years ago, BUSEP has more shares outstanding
The debt/assets ratio for BUSEP has been reduced compared to a year ago.
2.2 Solvency
BUSEP has a debt to FCF ratio of 2.62. This is a good value and a sign of high solvency as BUSEP would need 2.62 years to pay back of 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 42.38% of its industry peers.
BUSEP has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
BUSEP has a Debt to Equity ratio (0.18) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BUSEP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.50%, which is quite good.
BUSEP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.94% yearly.
BUSEP shows a strong growth in Revenue. In the last year, the Revenue has grown by 40.07%.
The Revenue has been growing slightly by 2.75% on average over the past years.
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
The Earnings Per Share is expected to grow by 10.30% on average over the next years. This is quite good.
Based on estimates for the next years, BUSEP will show a very strong growth in Revenue. The Revenue will grow by 22.05% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.74, the valuation of BUSEP can be described as very reasonable.
Based on the Price/Earnings ratio, BUSEP is valued a bit cheaper than 66.67% 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 26.15.
Based on the Price/Forward Earnings ratio of 9.70, the valuation of BUSEP can be described as reasonable.
BUSEP's Price/Forward Earnings ratio is in line with the industry average.
BUSEP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
BUSEP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.97 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)5.52
EPS Next 2Y12.58%
EPS Next 3Y10.3%
5. Dividend
5.1 Amount
BUSEP has a Yearly Dividend Yield of 4.46%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, BUSEP pays a better dividend. On top of this BUSEP pays more dividend than 84.75% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, BUSEP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.46% |
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.
The dividend of BUSEP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP82.87%
EPS Next 2Y12.58%
EPS Next 3Y10.3%
FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP
NASDAQ:BUSEP (11/26/2025, 8:18:43 PM)
25.45
+0.05 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.14%
Inst Owner ChangeN/A
Ins Owners3.64%
Ins Owner ChangeN/A
Market Cap2.27B
Revenue(TTM)636.13M
Net Income(TTM)77.37M
Analysts78.46
Price Target29.46 (15.76%)
Short Float %0.01%
Short Ratio0.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.46% |
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)1.76%
PT rev (3m)-0.11%
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 | 10.74 | ||
| Fwd PE | 9.7 | ||
| P/S | 4.06 | ||
| P/FCF | 13.97 | ||
| P/OCF | 13.31 | ||
| P/B | 0.94 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY9.31%
EPS(NY)2.62
Fwd EY10.31%
FCF(TTM)1.82
FCFY7.16%
OCF(TTM)1.91
OCFY7.51%
SpS6.27
BVpS27.09
TBVpS21.61
PEG (NY)0.5
PEG (5Y)5.52
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
WACC12.94%
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 CORPORATION - BUSE 8 1/4 PERP / BUSEP FAQ
What is the fundamental rating for BUSEP stock?
ChartMill assigns a fundamental rating of 4 / 10 to BUSEP.
What is the valuation status for BUSEP stock?
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 financial health of FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) stock?
The financial health rating of FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP (BUSEP) is 2 / 10.
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 82.87%.