BUSE Stock Analysis: First Busey | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.474m USD | 12M Return: 30.5% | US3193832041 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 20.1M
EPS Trend: 69.6%
Qual. Beats: 4
Rev. Trend: 93.1%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 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: 231.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: 52.23% < 20% (prev -1.86k%; Δ 1.91k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 227.7m > Net Income 231.0m |
| Net Debt (-195.0m) to EBITDA (173.7m): -1.12 < 3 |
| Current Ratio: 3.78 > 1.5 & < 3 |
| Outstanding Shares: last quarter (89.1m) vs 12m ago -1.92% < -2% |
| Gross Margin: 66.12% > 18% (prev 62.22%; Δ 3.90% > 0.5%) |
| Asset Turnover: 5.05% > 50% (prev 4.32%; Δ 0.74% > 0%) |
| Interest Coverage Ratio: 0.50 > 6 (EBIT TTM 154.8m / Interest Expense TTM 310.4m) |
| A: 0.03 (Total Current Assets 665.4m - Total Current Liabilities 175.8m) / Total Assets 18.2b |
| B: 0.02 (Retained Earnings 395.4m / Total Assets 18.2b) |
| C: 0.01 (EBIT TTM 154.8m / Avg Total Assets 18.6b) |
| D: 0.15 (Book Value of Equity 2.38b / Total Liabilities 15.8b) |
| Altman-Z'' = 0.46 = B |
As of September 27, 2026, the stock is trading at USD 30.09 with a total of 1,110,782 shares traded. Over the past week, the price has changed by -0.76%, over one month by +0.33%, over three months by +3.22% and over the past year by +30.51%.
Current recommended Stop Loss: 29.40 (which is 2.3% or 1.4 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 | 33.3 | 10.6% |
P/E Trailing = 12.2286
P/E Forward = 10.3627
P/S = 3.1601
P/B = 1.0506
P/EG = 1.9066
Revenue TTM = 937.2m USD
EBIT TTM = 154.8m USD
EBITDA TTM = 173.7m USD
Long Term Debt = 251.3m USD (from longTermDebt, last quarter)
Short Term Debt = 175.8m USD (from shortTermDebt, last quarter)
Debt = 470.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 6.13m
Net Debt = -195.0m USD (calculated: Debt 470.4m - CCE 665.4m)
Enterprise Value = 2.28b USD (2.47b + Debt 470.4m - CCE 665.4m)
Interest Coverage Ratio = 0.50 (Ebit TTM 154.8m / Interest Expense TTM 310.4m)
EV/FCF = 10.98x (Enterprise Value 2.28b / FCF TTM 207.6m)
FCF Yield = 9.11% (FCF TTM 207.6m / Enterprise Value 2.28b)
FCF Margin = 22.15% (FCF TTM 207.6m / Revenue TTM 937.2m)
Net Margin = 24.65% (Net Income TTM 231.0m / Revenue TTM 937.2m)
Gross Margin = 66.12% ((Revenue TTM 937.2m - Cost of Revenue TTM 317.5m) / Revenue TTM)
Gross Margin QoQ = 29.63% (prev 72.15%)
Tobins Q-Ratio = 0.13 (Enterprise Value 2.28b / Total Assets 18.2b)
Interest Expense / Debt = 66.00% (Interest Expense 310.4m / Debt 470.4m)
Taxrate = 23.09% (69.3m / 300.3m)
NOPAT = 119.1m (EBIT 154.8m * (1 - 23.09%))
Current Ratio = 3.78 (Total Current Assets 665.4m / Total Current Liabilities 175.8m)
Debt / Equity = 0.20 (Debt 470.4m / totalStockholderEquity, last quarter 2.38b)
Debt / EBITDA = -1.12 (Net Debt -195.0m / EBITDA 173.7m)
Debt / FCF = -0.94 (Net Debt -195.0m / FCF TTM 207.6m)
Total Stockholder Equity = 2.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.24% (Net Income 231.0m / Total Assets 18.2b)
RoE = 9.51% (Net Income TTM 231.0m / Total Stockholder Equity 2.43b)
RoCE = 5.78% (EBIT 154.8m / Capital Employed (Equity 2.43b + L.T.Debt 251.3m))
RoIC = 0.66% (NOPAT 119.1m / Invested Capital 18.1b)
WACC = 6.63% (E(2.47b)/V(2.94b) * Re(7.89%) + (debt cost/tax rate unavailable))
Discount Rate = 7.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 81.91 | Cagr: 22.56%
[DCF] Terminal Value 77.97% ; FCFF base≈189.3m ; Y1≈217.0m ; Y5≈319.4m
[DCF] Fair Price = 60.57 (EV 4.81b - Net Debt -195.0m = Equity 5.00b / Shares 82.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 69.60 | EPS CAGR: 7.69% | SUE: 1.44 | # QB: 4
Revenue Correlation: 93.14 | Revenue CAGR: 27.17% | SUE: -0.95 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.67 | Chg30d=+2.86% | Revisions=+50% | Analysts=7
EPS current Year (2026-12-31): EPS=2.69 | Chg30d=+2.45% | Revisions=+70% | GrowthEPS=+6.3% | GrowthRev=+9.1%
EPS next Year (2027-12-31): EPS=2.73 | Chg30d=+0.58% | Revisions=+29% | GrowthEPS=+1.3% | GrowthRev=+1.9%
[Analyst] Revisions Ratio: +67% (up=16, down=2)