(BUSE) First Busey - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.266m USD | Total Return: 29.4% in 12m
Avg Turnover: 14.5M
EPS Trend: 45.7%
Qual. Beats: 2
Rev. Trend: 94.5%
Qual. Beats: 0
Warnings
Share dilution 28.3% YoY
Tailwinds
No distinct edge detected
First Busey Corporation is a financial holding company providing retail banking, commercial banking, and wealth management services. Headquartered in the Midwest, the firm operates through three primary segments: Banking, Wealth Management, and FirsTech. Its service suite includes traditional deposit and loan products, agricultural lending, and specialized fiduciary services for individual and institutional clients.
The company differentiates itself through FirsTech, a proprietary payment technology platform that processes electronic bill payments and mobile transactions. This integration of financial technology within a regional banking structure allows the firm to capture fee-based income beyond traditional interest rate spreads. Regional banks often rely on localized economic stability and commercial real estate cycles to drive loan growth.
To gain deeper insights into the companys valuation and performance metrics, consider reviewing the detailed analysis on ValueRay.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Commercial real estate loan concentration impacts credit quality and loss provisions
- Wealth management fee income growth diversifies revenue beyond traditional lending spreads
- FirsTech payment processing volume expansion enhances non-interest income performance
- Strategic regional acquisitions influence capital allocation and long-term earnings per share
| Net Income: 215.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.91 > 1.0 |
| NWC/Revenue: -319.0% < 20% (prev -2.22k%; Δ 1.90k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 235.7m > Net Income 215.2m |
| Net Debt (535.4m) to EBITDA (315.3m): 1.70 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (89.1m) vs 12m ago 28.26% < -2% |
| Gross Margin: 69.48% > 18% (prev 0.62%; Δ 6.89k% > 0.5%) |
| Asset Turnover: 5.99% > 50% (prev 3.54%; Δ 2.45% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBITDA TTM 315.3m / Interest Expense TTM 332.7m) |
| A: -0.20 (Total Current Assets 242.2m - Total Current Liabilities 3.83b) / Total Assets 18.0b |
| B: 0.02 (Retained Earnings 359.2m / Total Assets 18.0b) |
| C: 0.02 (EBIT TTM 283.0m / Avg Total Assets 18.8b) |
| D: 0.01 (Book Value of Equity 223.7m / Total Liabilities 15.6b) |
| Altman-Z'' = -1.12 = CCC |
As of May 24, 2026, the stock is trading at USD 26.84 with a total of 425,642 shares traded.
Over the past week, the price has changed by +4.92%,
over one month by +3.99%,
over three months by +7.75% and
over the past year by +29.38%.
First Busey has received a consensus analysts rating of 3.71. Therefore, it is recommended to hold BUSE.
- StrongBuy: 1
- Buy: 3
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 28.6 | 6.4% |
P/E Forward = 9.5877
P/S = 2.9025
P/B = 0.9187
P/EG = 1.9066
Revenue TTM = 1.12b USD
EBIT TTM = 283.0m USD
EBITDA TTM = 315.3m USD
Long Term Debt = 294.2m USD (from longTermDebt, last quarter)
Short Term Debt = 331.5m USD (from shortTermDebt, last quarter)
Debt = 704.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 41.9m
Net Debt = 535.4m USD (calculated: Debt 704.4m - CCE 169.0m)
Enterprise Value = 2.80b USD (2.27b + Debt 704.4m - CCE 169.0m)
Interest Coverage Ratio = 0.85 (Ebit TTM 283.0m / Interest Expense TTM 332.7m)
EV/FCF = 11.69x (Enterprise Value 2.80b / FCF TTM 239.5m)
FCF Yield = 8.55% (FCF TTM 239.5m / Enterprise Value 2.80b)
FCF Margin = 21.32% (FCF TTM 239.5m / Revenue TTM 1.12b)
Net Margin = 19.16% (Net Income TTM 215.2m / Revenue TTM 1.12b)
Gross Margin = 69.48% ((Revenue TTM 1.12b - Cost of Revenue TTM 342.9m) / Revenue TTM)
Gross Margin QoQ = 72.15% (prev 71.21%)
Tobins Q-Ratio = 0.16 (Enterprise Value 2.80b / Total Assets 18.0b)
Interest Expense / Debt = 47.23% (Interest Expense 332.7m / Debt 704.4m)
Taxrate = 21.48% (13.7m / 63.7m)
NOPAT = 222.2m (EBIT 283.0m * (1 - 21.48%))
Current Ratio = 0.02 (Total Current Assets 242.2m / Total Current Liabilities 13.9b)
Debt / Equity = 0.29 (Debt 704.4m / totalStockholderEquity, last quarter 2.41b)
Debt / EBITDA = 1.70 (Net Debt 535.4m / EBITDA 315.3m)
Debt / FCF = 2.24 (Net Debt 535.4m / FCF TTM 239.5m)
Total Stockholder Equity = 2.44b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.15% (Net Income 215.2m / Total Assets 18.0b)
RoE = 8.84% (Net Income TTM 215.2m / Total Stockholder Equity 2.44b)
RoCE = 10.36% (EBIT 283.0m / Capital Employed (Equity 2.44b + L.T.Debt 294.2m))
RoIC = 1.24% (NOPAT 222.2m / Invested Capital 17.9b)
WACC = 15.42% (E(2.27b)/V(2.97b) * Re(8.68%) + D(704.4m)/V(2.97b) * Rd(47.23%) * (1-Tc(0.21)))
Discount Rate = 8.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.41 | Cagr: 22.63%
[DCF] Terminal Value 58.51% ; FCFF base≈175.9m ; Y1≈201.7m ; Y5≈296.8m
[DCF] Fair Price = 16.91 (EV 1.97b - Net Debt 535.4m = Equity 1.43b / Shares 84.6m; r=15.42% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 45.74 | EPS CAGR: 4.80% | SUE: 2.51 | # QB: 2
Revenue Correlation: 94.50 | Revenue CAGR: 28.43% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.64 | Chg30d=+1.58% | Revisions=+40% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.65 | Chg30d=-1.51% | Revisions=-33% | Analysts=7
EPS current Year (2026-12-31): EPS=2.63 | Chg30d=+2.57% | Revisions=+60% | GrowthEPS=+3.8% | GrowthRev=+11.0%
EPS next Year (2027-12-31): EPS=2.71 | Chg30d=-0.42% | Revisions=+0% | GrowthEPS=+3.1% | GrowthRev=+3.0%
[Analyst] Revisions Ratio: +60%