FIRST BUSEY CORP (BUSE) Stock Fundamental Analysis
NASDAQ:BUSE - Nasdaq - US3193832041 - Common Stock - Currency: USD
Overall BUSE gets a fundamental rating of 4 out of 10. We evaluated BUSE against 398 industry peers in the Banks industry. BUSE has a bad profitability rating. Also its financial health evaluation is rather negative. BUSE has a decent growth rate and is not valued too expensively. BUSE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BUSE had positive earnings in the past year.
In the past year BUSE had a positive cash flow from operations.
In the past 5 years BUSE has always been profitable.
In the past 5 years BUSE always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.94%, BUSE is in the better half of the industry, outperforming 62.56% of the companies in the same industry.
BUSE has a Return On Equity (8.22%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 24.59%, BUSE perfoms like the industry average, outperforming 57.29% of the companies in the same industry.
In the last couple of years the Profit Margin of BUSE has remained more or less at the same level.
BUSE 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) | 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
2. Health
2.1 Basic Checks
BUSE does not have a ROIC to compare to the WACC, probably because it is not profitable.
BUSE has more shares outstanding than it did 1 year ago.
BUSE has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BUSE has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BUSE is 2.67, which is a good value as it means it would take BUSE, 2.67 years of fcf income to pay off 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 44.22% of the companies in the same industry.
BUSE has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
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 69.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
BUSE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.75% yearly.
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
The Earnings Per Share is expected to grow by 17.78% on average over the next years. This is quite good.
BUSE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 33.55% yearly.
EPS Next Y25.65%
EPS Next 2Y17.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year59.23%
Revenue Next 2Y33.55%
Revenue Next 3YN/A
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
BUSE is valuated reasonably with a Price/Earnings ratio of 10.38.
BUSE's Price/Earnings ratio is a bit cheaper when compared to the industry. BUSE is cheaper than 71.11% of the companies in the same industry.
BUSE is valuated cheaply when we compare the Price/Earnings ratio to 28.33, which is the current average of the S&P500 Index.
BUSE is valuated reasonably with a Price/Forward Earnings ratio of 8.26.
Based on the Price/Forward Earnings ratio, BUSE is valued cheaper than 81.66% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.37, BUSE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
BUSE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.24 | ||
| 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.
BUSE's earnings are expected to grow with 17.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)5.34
EPS Next 2Y17.78%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.01%, BUSE is a good candidate for dividend investing.
BUSE's Dividend Yield is rather good when compared to the industry average which is at 3.66. BUSE pays more dividend than 83.42% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, BUSE pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
5.2 History
The dividend of BUSE has a limited annual growth rate of 2.14%.
BUSE has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
BUSE pays out 47.65% of its income as dividend. This is a bit on the high side, but may be sustainable.
BUSE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.65%
EPS Next 2Y17.78%
EPS Next 3YN/A
NASDAQ:BUSE (4/23/2025, 9:56:33 AM)
21.49
+0.91 (+4.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.17%
Inst Owner Change0.74%
Ins Owners3.69%
Ins Owner Change12.52%
Market Cap1.93B
Analysts80
Price Target28.73 (33.69%)
Short Float %3.55%
Short Ratio7.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
Yearly Dividend0.97
Dividend Growth(5Y)2.14%
DP47.65%
Div Incr Years1
Div Non Decr Years8
Ex-Date
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)-1.17%
PT rev (3m)-6.11%
EPS NQ rev (1m)-1.55%
EPS NQ rev (3m)6%
EPS NY rev (1m)1.8%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)0.44%
Revenue NQ rev (3m)19.75%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)2.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 8.26 | ||
| P/S | 4.18 | ||
| P/FCF | 11.24 | ||
| P/OCF | 10.83 | ||
| P/B | 1.4 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.07
EY9.63%
EPS(NY)2.6
Fwd EY12.1%
FCF(TTM)1.91
FCFY8.9%
OCF(TTM)1.98
OCFY9.23%
SpS5.14
BVpS15.39
TBVpS11.32
PEG (NY)0.4
PEG (5Y)5.34
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.03%
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)-4.61%
EPS 3Y-4.14%
EPS 5Y1.94%
EPS Q2Q%15.22%
EPS Next Y25.65%
EPS Next 2Y17.78%
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 Year59.23%
Revenue Next 2Y33.55%
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%