(BUSE) First Busey - Overview

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3193832041

Stock: Deposits, Loans, Wealth, Payments, Treasury

Total Rating 48

Risk 70

Buy Signal 0.00

Banks - Regional » Regional Banks
Age: 27.3y

Market Cap: 2,182m
Avg Trading Vol: 15.3M USD

ATR: 2.54%
Peers RS (IBD): 41.50

EPS (Earnings per Share)

EPS CAGR: 7.97%
EPS Trend: 29.2%

Last SUE: 2.58
Qual. Beats: 1

Revenue

Rev. CAGR: 27.45%
Rev. Trend: 93.5%

Last SUE: 1.81
Qual. Beats: 1

Dividends

Dividend Yield	4.40%
Yield on Cost 5y	5.53%
Yield CAGR 5y	2.11%
Payout Consistency	94.4%
Payout Ratio	33.1%

Risk 5d forecast
Volatility	31.3%
Relative Tail Risk	-13.6%

Reward TTM
Sharpe Ratio	0.41
Alpha	1.35

Character TTM
Beta	0.794
Beta Downside	0.912

Drawdowns 3y
Max DD	31.05%
CAGR/Max DD	0.27

Description: BUSE First Busey January 14, 2026

First Busey Corporation (NASDAQ: BUSE) is a bank-holding company headquartered in Leawood, Kansas, that operates Busey Bank across three primary segments: Banking, Wealth Management, and FirsTech. The Banking arm delivers traditional retail and commercial services-including demand and savings deposits, ATM networks, and a broad loan portfolio (residential mortgages, home-equity lines, consumer loans, commercial real-estate, construction, and agricultural financing). Wealth Management provides fiduciary, trust, estate, and retirement-plan advisory services, while FirsTech focuses on payment-technology solutions such as mobile bill-pay, electronic clearing-house processing, lockbox services, and merchant-referral platforms.

Key performance indicators from the most recent quarter (Q4 2024) show BUSE’s net interest margin (NIM) at 3.1 %-slightly above the regional-bank median of ~2.9 %-and loan growth of 5.2 % year-over-year, driven largely by commercial-real-estate and agricultural loan demand. Deposits rose 4.6 % YoY, reflecting a modest shift of funds from money-market funds into higher-yielding savings accounts as the Federal Reserve’s policy rate remains in the 5.25-5.50 % range. The bank’s return on assets (ROA) sits at 0.92 %, consistent with the sector’s average, while its efficiency ratio has improved to 58 % after cost-containment initiatives in the FirsTech platform.

Given the sensitivity of regional banks to interest-rate cycles and credit-quality trends, monitoring Fed policy, loan-loss-reserve levels, and local economic indicators (e.g., agricultural commodity prices in the Midwest) will be crucial for assessing BUSE’s upside potential. For a deeper quantitative breakdown, you might explore ValueRay’s analyst toolkit.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income: 135.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.50 > 1.0
NWC/Revenue: -1222 % < 20% (prev -1239 %; Δ 16.96% < -1%)
CFO/TA 0.01 > 3% & CFO 172.7m > Net Income 135.3m
Net Debt (-294.1m) to EBITDA (208.8m): -1.41 < 3
Current Ratio: 0.16 > 1.5 & < 3
Outstanding Shares: last quarter (89.1m) vs 12m ago 53.87% < -2%
Gross Margin: 64.18% > 18% (prev 0.68%; Δ 6350 % > 0.5%)
Asset Turnover: 6.92% > 50% (prev 5.50%; Δ 1.42% > 0%)
Interest Coverage Ratio: 0.34 > 6 (EBITDA TTM 208.8m / Interest Expense TTM 324.3m)

Altman Z'' -4.50

A: -0.70 (Total Current Assets 2.46b - Total Current Liabilities 15.22b) / Total Assets 18.10b
B: 0.02 (Retained Earnings 336.7m / Total Assets 18.10b)
C: 0.01 (EBIT TTM 109.1m / Avg Total Assets 15.08b)
D: 0.01 (Book Value of Equity 212.2m / Total Liabilities 15.64b)
Altman-Z'' Score: -4.50 = D

What is the price of BUSE shares?

As of February 07, 2026, the stock is trading at USD 27.27 with a total of 1,217,821 shares traded.
Over the past week, the price has changed by +10.63%, over one month by +13.42%, over three months by +21.04% and over the past year by +12.40%.

Is BUSE a buy, sell or hold?

First Busey has received a consensus analysts rating of 3.80. Therefor, it is recommend to hold BUSE.

StrongBuy: 1
Buy: 2
Hold: 2
Sell: 0
StrongSell: 0

What are the forecasts/targets for the BUSE price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	27.6	1.1%
Analysts Target Price	27.6	1.1%
ValueRay Target Price	29.5	8.2%

BUSE Fundamental Data Overview January 31, 2026

P/E Trailing = 16.7891
P/E Forward = 10.3627
P/S = 3.272
P/B = 0.8759
P/EG = 3.05
Revenue TTM = 1.04b USD
EBIT TTM = 109.1m USD
EBITDA TTM = 208.8m USD
Long Term Debt = 266.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 147.2m USD (from shortTermDebt, two quarters ago)
Debt = 451.7m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -294.1m USD (from netDebt column, last quarter)
Enterprise Value = 177.1m USD (2.18b + Debt 451.7m - CCE 2.46b)
Interest Coverage Ratio = 0.34 (Ebit TTM 109.1m / Interest Expense TTM 324.3m)
EV/FCF = 1.13x (Enterprise Value 177.1m / FCF TTM 157.3m)
FCF Yield = 88.83% (FCF TTM 157.3m / Enterprise Value 177.1m)
FCF Margin = 15.07% (FCF TTM 157.3m / Revenue TTM 1.04b)
Net Margin = 12.96% (Net Income TTM 135.3m / Revenue TTM 1.04b)
Gross Margin = 64.18% ((Revenue TTM 1.04b - Cost of Revenue TTM 373.9m) / Revenue TTM)
Gross Margin QoQ = 71.21% (prev 69.06%)
Tobins Q-Ratio = 0.01 (Enterprise Value 177.1m / Total Assets 18.10b)
Interest Expense / Debt = 17.16% (Interest Expense 77.5m / Debt 451.7m)
Taxrate = 21.61% (16.7m / 77.5m)
NOPAT = 85.6m (EBIT 109.1m * (1 - 21.61%))
Current Ratio = 0.16 (Total Current Assets 2.46b / Total Current Liabilities 15.22b)
Debt / Equity = 0.18 (Debt 451.7m / totalStockholderEquity, last quarter 2.47b)
Debt / EBITDA = -1.41 (Net Debt -294.1m / EBITDA 208.8m)
Debt / FCF = -1.87 (Net Debt -294.1m / FCF TTM 157.3m)
Total Stockholder Equity = 2.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.90% (Net Income 135.3m / Total Assets 18.10b)
RoE = 5.69% (Net Income TTM 135.3m / Total Stockholder Equity 2.38b)
RoCE = 4.13% (EBIT 109.1m / Capital Employed (Equity 2.38b + L.T.Debt 266.7m))
RoIC = 3.22% (NOPAT 85.6m / Invested Capital 2.66b)
WACC = 9.63% (E(2.18b)/V(2.63b) * Re(8.84%) + D(451.7m)/V(2.63b) * Rd(17.16%) * (1-Tc(0.22)))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 25.79%
[DCF Debug] Terminal Value 72.46% ; FCFF base≈160.3m ; Y1≈161.2m ; Y5≈172.8m
Fair Price DCF = 29.63 (EV 2.30b - Net Debt -294.1m = Equity 2.60b / Shares 87.6m; r=9.63% [WACC]; 5y FCF grow 0.17% → 2.90% )
EPS Correlation: 29.19 | EPS CAGR: 7.97% | SUE: 2.58 | # QB: 1
Revenue Correlation: 93.52 | Revenue CAGR: 27.45% | SUE: 1.81 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.58 | Chg30d=-0.023 | Revisions Net=-6 | Analysts=7
EPS current Year (2026-12-31): EPS=2.54 | Chg30d=-0.011 | Revisions Net=+1 | Growth EPS=+0.4% | Growth Revenue=+12.4%
EPS next Year (2027-12-31): EPS=2.70 | Chg30d=-0.013 | Revisions Net=+0 | Growth EPS=+6.2% | Growth Revenue=+3.9%

Additional Sources for BUSE Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle