BUSE
First Busey Corp
$30.60
▼ 1.0%Updated Today 11:10 AM ET
BUSE at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
0/100
First Busey Corp (BUSE) is a small-cap company in the Banking industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $719.58M in revenue and $135.26M in net profit.
Our model rates BUSE Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
3Y CAGR
16.9%
Revenue moved from $450.24M in 2022 to $719.58M in 2025, a 16.9% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
—
Net Margin
18.8%
ROE
—
Total Debt
$89.48M
Net Debt
-$575.90M
Net cash position
Net Debt / EBITDA
—
Debt / Equity
—
Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name. It carries roughly $89.48M of total debt against $665.37M of cash.
Operating CF
$192.57M
Free Cash Flow
$172.95M
FCF Margin
24.0%
In the latest year First Busey Corp produced about $192.57M of operating cash flow and $172.95M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Per share (latest FY)
$1.00
Total paid (latest FY)
$90.99M
History on record
4 years
dividend uses 53% of free cash flow
67% of net income paid out
total dividends increased 3 years in a row
no cuts in the last 4 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
BUSE trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$35.96
Current price
$30.60
Starting FCF (latest 10-K)
$172.95M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where BUSE sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BUSE stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), BUSE ranks #156 of 289 by our overall rating.
P/E vs sector
—
median 15.6x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#156
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $30.60 today · expected CAGR -1% – 10%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $777.15M | $839.32M | $906.47M | $978.99M | $1.06B |
| Net income | $147.66M | $159.47M | $172.23M | $186.01M | $200.89M |
| EPS | $1.79 | $1.93 | $2.09 | $2.25 | $2.43 |
| Share price (low) | $21.46 | $23.17 | $25.03 | $27.03 | $29.19 |
| Share price (high) | $35.76 | $38.62 | $41.71 | $45.05 | $48.65 |
| CAGR (low–high) | -30% / 17% | -13% / 12% | -6% / 11% | -3% / 10% | -1% / 10% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for BUSE:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against BUSE:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: First Busey Corp is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Latest SEC Filings
BUSE's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
BUSE — frequently asked questions
Is BUSE a good stock to buy?
We don't give buy or sell advice. Review First Busey Corp's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does BUSE's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from First Busey Corp's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BUSE calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this BUSE analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BUSE. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.