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FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis

NASDAQ:BUSE - Nasdaq - US3193832041 - Common Stock - Currency: USD

22.55  -0.04 (-0.18%)

After market: 22.55 0 (0%)

Fundamental Rating

4

Taking everything into account, BUSE scores 4 out of 10 in our fundamental rating. BUSE was compared to 402 industry peers in the Banks industry. Both the profitability and financial health of BUSE have multiple concerns. BUSE is not valued too expensively and it also shows a decent growth rate. BUSE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BUSE had positive earnings in the past year.
BUSE had a positive operating cash flow in the past year.
BUSE had positive earnings in each of the past 5 years.
Each year in the past 5 years BUSE had a positive operating cash flow.
BUSE Yearly Net Income VS EBIT VS OCF VS FCFBUSE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

1.2 Ratios

The Return On Assets of BUSE (0.94%) is better than 63.12% of its industry peers.
BUSE has a Return On Equity (8.22%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.94%
ROE 8.22%
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
BUSE Yearly ROA, ROE, ROICBUSE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BUSE has a Profit Margin (24.59%) which is in line with its industry peers.
BUSE's Profit Margin has been stable in the last couple of years.
BUSE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.59%
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
BUSE Yearly Profit, Operating, Gross MarginsBUSE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

BUSE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BUSE has been increased compared to 1 year ago.
The number of shares outstanding for BUSE has been increased compared to 5 years ago.
BUSE has a better debt/assets ratio than last year.
BUSE Yearly Shares OutstandingBUSE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BUSE Yearly Total Debt VS Total AssetsBUSE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

BUSE has a debt to FCF ratio of 2.67. This is a good value and a sign of high solvency as BUSE would need 2.67 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.67, BUSE is in line with its industry, outperforming 47.03% of the companies in the same industry.
A Debt/Equity ratio of 0.33 indicates that BUSE is not too dependend on debt financing.
BUSE's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. BUSE is outperformed by 68.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.67
Altman-Z N/A
ROIC/WACCN/A
WACC13.61%
BUSE Yearly LT Debt VS Equity VS FCFBUSE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BUSE Yearly Current Assets VS Current LiabilitesBUSE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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6

3. Growth

3.1 Past

BUSE shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.61%.
BUSE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.94% yearly.
The Revenue has been growing slightly by 4.63% in the past year.
Measured over the past years, BUSE shows a small growth in Revenue. The Revenue has been growing by 2.75% on average per year.
EPS 1Y (TTM)-4.61%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%15.22%
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%25.49%

3.2 Future

BUSE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.12% yearly.
The Revenue is expected to grow by 33.69% on average over the next years. This is a very strong growth
EPS Next Y23.43%
EPS Next 2Y18.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year58.89%
Revenue Next 2Y33.69%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BUSE Yearly Revenue VS EstimatesBUSE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
BUSE Yearly EPS VS EstimatesBUSE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.89 indicates a reasonable valuation of BUSE.
67.82% of the companies in the same industry are more expensive than BUSE, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BUSE to the average of the S&P500 Index (29.35), we can say BUSE is valued rather cheaply.
BUSE is valuated reasonably with a Price/Forward Earnings ratio of 8.83.
81.93% of the companies in the same industry are more expensive than BUSE, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BUSE to the average of the S&P500 Index (22.10), we can say BUSE is valued rather cheaply.
Industry RankSector Rank
PE 10.89
Fwd PE 8.83
BUSE Price Earnings VS Forward Price EarningsBUSE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BUSE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.79
EV/EBITDA N/A
BUSE Per share dataBUSE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

BUSE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BUSE's earnings are expected to grow with 18.12% in the coming years.
PEG (NY)0.46
PEG (5Y)5.6
EPS Next 2Y18.12%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.43%, BUSE is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.37, BUSE pays a better dividend. On top of this BUSE pays more dividend than 80.94% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, BUSE pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.43%

5.2 History

The dividend of BUSE has a limited annual growth rate of 2.14%.
BUSE has paid a dividend for at least 10 years, which is a reliable track record.
As BUSE did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)2.14%
Div Incr Years1
Div Non Decr Years8
BUSE Yearly Dividends per shareBUSE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

47.65% of the earnings are spent on dividend by BUSE. This is a bit on the high side, but may be sustainable.
The dividend of BUSE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP47.65%
EPS Next 2Y18.12%
EPS Next 3YN/A
BUSE Yearly Income VS Free CF VS DividendBUSE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M
BUSE Dividend Payout.BUSE Dividend Payout, showing the Payout Ratio.BUSE Dividend Payout.PayoutRetained Earnings

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FIRST BUSEY CORP

NASDAQ:BUSE (3/7/2025, 8:08:58 PM)

After market: 22.55 0 (0%)

22.55

-0.04 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-21 2025-04-21/amc
Inst Owners62.17%
Inst Owner Change5.5%
Ins Owners3.69%
Ins Owner Change8.87%
Market Cap2.03B
Analysts80
Price Target29.07 (28.91%)
Short Float %4.76%
Short Ratio6.89
Dividend
Industry RankSector Rank
Dividend Yield 4.43%
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP47.65%
Div Incr Years1
Div Non Decr Years8
Ex-Date01-24 2025-01-24 (0.25)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.57%
Min EPS beat(2)1.55%
Max EPS beat(2)5.59%
EPS beat(4)2
Avg EPS beat(4)-0.29%
Min EPS beat(4)-7.3%
Max EPS beat(4)5.59%
EPS beat(8)3
Avg EPS beat(8)-1.87%
EPS beat(12)3
Avg EPS beat(12)-3.42%
EPS beat(16)6
Avg EPS beat(16)0.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.03%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-2.4%
Max Revenue beat(4)-0.45%
Revenue beat(8)0
Avg Revenue beat(8)-4.39%
Revenue beat(12)0
Avg Revenue beat(12)-3.63%
Revenue beat(16)0
Avg Revenue beat(16)-3.34%
PT rev (1m)-6.04%
PT rev (3m)-2.84%
EPS NQ rev (1m)12.62%
EPS NQ rev (3m)7.67%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)19.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.36%
Valuation
Industry RankSector Rank
PE 10.89
Fwd PE 8.83
P/S 4.38
P/FCF 11.79
P/OCF 11.37
P/B 1.47
P/tB 1.99
EV/EBITDA N/A
EPS(TTM)2.07
EY9.18%
EPS(NY)2.56
Fwd EY11.33%
FCF(TTM)1.91
FCFY8.48%
OCF(TTM)1.98
OCFY8.8%
SpS5.14
BVpS15.39
TBVpS11.32
PEG (NY)0.46
PEG (5Y)5.6
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 8.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.59%
GM N/A
FCFM 37.17%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 2.67
Debt/EBITDA N/A
Cap/Depr 31.28%
Cap/Sales 1.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 151.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.61%
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)-4.61%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%15.22%
EPS Next Y23.43%
EPS Next 2Y18.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.63%
Revenue growth 3Y4.64%
Revenue growth 5Y2.75%
Sales Q2Q%25.49%
Revenue Next Year58.89%
Revenue Next 2Y33.69%
Revenue Next 3YN/A
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 1Y4.87%
FCF growth 3Y3.06%
FCF growth 5Y18%
OCF growth 1Y2.81%
OCF growth 3Y3.24%
OCF growth 5Y15.09%