25.895 USD
+0 (+0.02%)
BUSEP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. BUSEP may be in some trouble as it scores bad on both profitability and health. BUSEP is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
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.
1.2 Ratios
BUSEP has a worse Return On Assets (0.54%) than 75.52% of its industry peers.
Looking at the Return On Equity, with a value of 3.97%, BUSEP is doing worse than 81.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 3.97% | ||
| 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 has a worse Profit Margin (15.30%) than 76.55% of its industry peers.
In the last couple of years the Profit Margin of BUSEP has remained more or less at the same level.
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) | 15.3% | ||
| 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
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.
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.
Looking at the Debt to FCF ratio, with a value of 2.16, BUSEP is in line with its industry, outperforming 45.62% of the companies in the same industry.
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 (0.14) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.03%
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.
The Earnings Per Share has been growing slightly by 1.94% on average over the past years.
Looking at the last year, BUSEP shows a very strong growth in Revenue. The Revenue has grown by 40.07%.
Measured over the past years, BUSEP shows a small growth in Revenue. The Revenue has been growing by 2.75% on average per year.
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 Y21.47%
EPS Next 2Y11.93%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue Next Year56.74%
Revenue Next 2Y31.95%
Revenue Next 3Y22.05%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.93, which indicates a very decent valuation of BUSEP.
BUSEP's Price/Earnings ratio is a bit cheaper when compared to the industry. BUSEP is cheaper than 70.62% of the companies in the same industry.
BUSEP is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.99, the valuation of BUSEP can be described as very reasonable.
BUSEP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BUSEP is cheaper than 60.31% of the companies in the same industry.
BUSEP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 9.99 |
4.2 Price Multiples
BUSEP's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BUSEP is more expensive than 61.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.53 | ||
| 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)0.51
PEG (5Y)5.62
EPS Next 2Y11.93%
EPS Next 3Y10.3%
5. Dividend
5.1 Amount
BUSEP has a Yearly Dividend Yield of 7.99%, which is a nice return.
BUSEP's Dividend Yield is rather good when compared to the industry average which is at 2.74. BUSEP pays more dividend than 98.97% of the companies in the same industry.
BUSEP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.99% |
5.2 History
The dividend of BUSEP has a limited annual growth rate of 2.14%.
BUSEP does not have a reliable dividend history as it only pays dividend since a couple or years.
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 2Y11.93%
EPS Next 3Y10.3%
FIRST BUSEY CORPORATION - BUSE 8 1/4 PERP
NASDAQ:BUSEP (12/24/2025, 8:16:35 PM)
25.895
+0 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.66%
Inst Owner ChangeN/A
Ins Owners3.7%
Ins Owner ChangeN/A
Market Cap2.29B
Revenue(TTM)636.13M
Net Income(TTM)97.33M
Analysts78.46
Price Target28.28 (9.21%)
Short Float %0.01%
Short Ratio0.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.99% |
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)-7.1%
PT rev (3m)0.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-0.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 9.99 | ||
| P/S | 3.6 | ||
| P/FCF | 14.53 | ||
| P/OCF | 13.26 | ||
| P/B | 0.93 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY9.15%
EPS(NY)2.59
Fwd EY10.01%
FCF(TTM)1.78
FCFY6.88%
OCF(TTM)1.95
OCFY7.54%
SpS7.2
BVpS27.7
TBVpS22.21
PEG (NY)0.51
PEG (5Y)5.62
Graham Number38.43
Profitability
| Industry Rank | Sector 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)0.99%
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 | 0.14 | ||
| 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
WACC13.03%
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 Y21.47%
EPS Next 2Y11.93%
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 2Y31.95%
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-5.81%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y-1.38%
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 80.04%.