BUSE Stock Analysis: First Busey | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.494m USD | 12M Return: 26.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 24.8M
EPS Trend: 34.8%
Qual. Beats: 3
Rev. Trend: 94.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Busey Corporation is a bank holding company that operates Busey Bank, providing retail and commercial banking products and services to individual, corporate, institutional, and governmental customers across the United States. As a regional bank, it generates revenue from net interest income on loans and deposits, complemented by fee-based services from its non-banking segments.
The company conducts its operations through three segments: Banking, Wealth Management, and FirsTech. The Banking segment offers demand and savings deposits, money transfers, safe deposit services, IRAs, ATMs, and technology-based networks, along with loan products such as residential real estate, home equity lines of credit, consumer loans, commercial loans, commercial real estate, real estate construction, and agricultural loans, plus cash management services for corporate clients.
The Wealth Management segment provides asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, farm management, trust and estate advisory, financial planning, succession planning, employee retirement plan administration, and investment strategy consulting services to individuals, businesses, and foundations.
The FirsTech segment delivers payment technology solutions, including text-based mobile bill pay, interactive voice response, electronic payment concentration through ACH and credit card networks, walk-in payment processing at retail pay agents, customer service payments by phone, direct debit services, merchant services referral solutions, lockbox remittance processing, and tools for billing, reconciliation, bill reminders, and treasury services.
Founded in 1868, the company is headquartered in Leawood, Kansas, and is classified within the Regional Banks sub-industry of the Financials sector, reflecting its community-oriented banking model combined with diversified fee-based income from wealth management and payment processing operations.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses pressure credit quality
- Wealth Management fee growth diversifies revenue from spread-based banking
| Net Income: 215.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.46 > 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 (318.1m): 1.68 < 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 62.28%; Δ 7.20% > 0.5%) |
| Asset Turnover: 5.99% > 50% (prev 3.54%; Δ 2.45% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBIT TTM 283.0m / 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: 0.15 (Book Value of Equity 2.41b / Total Liabilities 15.6b) |
| Altman-Z'' = -0.98 = CCC |
As of July 08, 2026, the stock is trading at USD 29.22 with a total of 898,871 shares traded. Over the past week, the price has changed by -1.05%, over one month by +5.03%, over three months by +13.80% and over the past year by +26.87%.
Current recommended Stop Loss: 28.50 (which is 2.5% or 1.2 ATR below the current price).
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 | 30.1 | 3.1% |
P/E Trailing = 12.1358
P/E Forward = 10.3627
P/S = 3.195
P/B = 1.0394
P/EG = 1.9066
Revenue TTM = 1.12b USD
EBIT TTM = 283.0m USD
EBITDA TTM = 318.1m 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 = 3.03b USD (2.49b + Debt 704.4m - CCE 169.0m)
Interest Coverage Ratio = 0.85 (Ebit TTM 283.0m / Interest Expense TTM 332.7m)
EV/FCF = 14.14x (Enterprise Value 3.03b / FCF TTM 214.3m)
FCF Yield = 7.07% (FCF TTM 214.3m / Enterprise Value 3.03b)
FCF Margin = 19.07% (FCF TTM 214.3m / 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 = 0.17 (Enterprise Value 3.03b / Total Assets 18.0b)
Interest Expense / Debt = 47.23% (Interest Expense 332.7m / Debt 704.4m)
Taxrate = 23.94% (67.7m / 283.0m)
NOPAT = 215.2m (EBIT 283.0m * (1 - 23.94%))
Current Ratio = 0.06 (Total Current Assets 242.2m / Total Current Liabilities 3.83b)
Debt / Equity = 0.29 (Debt 704.4m / totalStockholderEquity, last quarter 2.41b)
Debt / EBITDA = 1.68 (Net Debt 535.4m / EBITDA 318.1m)
Debt / FCF = 2.50 (Net Debt 535.4m / FCF TTM 214.3m)
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 = 1.20% (NOPAT 215.2m / Invested Capital 18.0b)
WACC = 14.37% (E(2.49b)/V(3.20b) * Re(8.28%) + D(704.4m)/V(3.20b) * Rd(47.23%) * (1-Tc(0.24)))
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.41 | Cagr: 22.63%
[DCF] Terminal Value 61.00% ; FCFF base≈185.5m ; Y1≈212.7m ; Y5≈313.0m
[DCF] Fair Price = 20.45 (EV 2.26b - Net Debt 535.4m = Equity 1.73b / Shares 84.6m; r=14.37% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 34.76 | EPS CAGR: 3.37% | SUE: 3.70 | # QB: 3
Revenue Correlation: 94.50 | Revenue CAGR: 28.43% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.65 | Chg30d=+0.22% | Revisions=+44% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.65 | Chg30d=+0.00% | Revisions=-38% | Analysts=7
EPS current Year (2026-12-31): EPS=2.63 | Chg30d=+0.16% | Revisions=+25% | GrowthEPS=+4.0% | GrowthRev=+11.0%
EPS next Year (2027-12-31): EPS=2.72 | Chg30d=+0.26% | Revisions=+25% | GrowthEPS=+3.3% | GrowthRev=+3.0%
[Analyst] Revisions Ratio: +19% (up=8, down=5)