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First Busey
(NASDAQ:BUSE)
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Rating:78Outperform
Price Target:
$34.00
â–²(13.90% Upside)
Action:Reiterated
Date:07/29/26
BUSE scores well primarily on strengthening financial performance (better profitability and notably improved cash generation) and a clearly positive price trend with the stock trading above key moving averages. Valuation is supportive with a low-double-digit P/E and ~3.46% dividend yield, while recent corporate updates reinforce momentum via improved operating metrics, capital strength, and shareholder returns.
Positive Factors
Cash generation
Improved operating cash flow (~$236M) and free cash flow (~$217M, ~0.92x net income) indicate stronger cash conversion and earnings quality. Durable FCF supports ongoing dividends, buybacks, and loan growth while providing a buffer for credit losses and strategic reinvestment over the medium term.
Negative Factors
Rising total debt
The noted increase in total debt from 2025 to the trailing twelve months elevates funding and interest-cost sensitivity. Growing debt can constrain liquidity flexibility and amplify earnings pressure if rates or credit costs rise, reducing room for investment or aggressive capital returns over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Improved operating cash flow (~$236M) and free cash flow (~$217M, ~0.92x net income) indicate stronger cash conversion and earnings quality. Durable FCF supports ongoing dividends, buybacks, and loan growth while providing a buffer for credit losses and strategic reinvestment over the medium term.
Read all positive factors
First Busey (BUSE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.56B
Dividend Yield3.35%
Average Volume (3M)527.18K
Price to Earnings (P/E)11.3
Beta (1Y)0.89
Revenue Growth35.96%
EPS Growth113.24%
CountryUS
Employees1,914
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.56
Shares Outstanding84,577,160
10 Day Avg. Volume461,106
30 Day Avg. Volume527,180
Financial Highlights & Ratios
PEG Ratio-0.62
Price to Book (P/B)0.86
Price to Sales (P/S)2.03
P/FCF Ratio12.20
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$31.33Price Target Upside4.97% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)2.47
Revenue Forecast (FY)$797.88M
First Busey Business Overview & Revenue Model
Company Description
First Busey Corporation operates as the parent entity for Busey Bank, delivering a comprehensive suite of banking and financial services throughout the United States. Its diverse clientele includes individual consumers, corporate entities, institu...
How the Company Makes Money
First Busey makes money primarily through its banking and wealth management operations. In banking, the largest earnings driver is typically net interest income: the company earns interest and fees on loans and certain securities and pays interest...
First Busey Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
71
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.12B | 1.04B | 662.51M | 600.59M | 486.60M | 431.60M |
| Gross Profit | 780.66M | 666.84M | 452.86M | 438.27M | 445.43M | 418.60M |
| EBITDA | 318.13M | 204.71M | 173.86M | 176.61M | 187.39M | 185.00M |
| Net Income | 215.23M | 135.26M | 113.69M | 122.56M | 128.31M | 123.45M |
Balance Sheet | ||||||
| Total Assets | 18.04B | 18.10B | 12.05B | 12.28B | 12.34B | 12.86B |
| Cash, Cash Equivalents and Short-Term Investments | 169.04M | 181.04M | 1.93B | 2.81B | 2.69B | 4.82B |
| Total Debt | 662.48M | 490.06M | 469.19M | 523.58M | 917.70M | 638.82M |
| Total Liabilities | 15.62B | 15.64B | 10.66B | 11.01B | 11.19B | 11.54B |
| Stockholders Equity | 2.41B | 2.47B | 1.38B | 1.27B | 1.15B | 1.32B |
Cash Flow | ||||||
| Free Cash Flow | 214.29M | 173.76M | 171.84M | 163.86M | 160.80M | 156.97M |
| Operating Cash Flow | 235.73M | 192.57M | 178.27M | 173.39M | 165.79M | 162.01M |
| Investing Cash Flow | 542.56M | 1.10B | 657.90M | 550.99M | -290.86M | -829.19M |
| Financing Cash Flow | -1.68B | -1.69B | -858.09M | -231.96M | -483.86M | 814.74M |
First Busey Technical Analysis
Positive
29.85
Price Trends
28.29
Positive
26.84
Positive
25.25
Positive
Market Momentum
0.39
Positive
60.93
Neutral
41.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BUSE, the sentiment is Positive. The current price of 29.85 is above the 20-day moving average (MA) of 29.36, above the 50-day MA of 28.29, and above the 200-day MA of 25.25, indicating a bullish trend. The MACD of 0.39 indicates Positive momentum. The RSI at 60.93 is Neutral, neither overbought nor oversold. The STOCH value of 41.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BUSE.
First Busey Risk Analysis
First Busey disclosed 35 risk factors in its most recent earnings report. First Busey reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Busey Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $2.40B | 11.58 | 10.65% | 2.85% | 2.88% | 15.51% | |
78 Outperform | $2.56B | 11.28 | 9.51% | 3.45% | 35.96% | 113.24% | |
75 Outperform | $2.52B | 17.47 | 13.58% | 1.56% | 9.31% | 15.23% | |
74 Outperform | $2.42B | 13.16 | 9.42% | 1.97% | 7.89% | -4.69% | |
74 Outperform | $2.66B | 73.82 | 8.01% | 1.50% | 4.15% | 36.77% | |
70 Outperform | $2.74B | 13.87 | 7.26% | 3.36% | 5.05% | -19.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BUSE
First Busey
30.72
8.98
41.29%
BANR
Banner
69.96
9.12
14.99%
EFSC
Enterprise Financial Services
66.19
12.03
22.21%
FBNC
First Bancorp
63.12
12.99
25.92%
FRME
First Merchants
43.26
6.00
16.11%
SYBT
Stock Yards Bancorp
88.03
13.78
18.56%
First Busey Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
First Busey Reports Strong Second Quarter 2026 Results
Positive
Jul 28, 2026
On July 28, 2026, First Busey Corporation reported second quarter 2026 net income of $63.2 million, or $0.69 per diluted share, with adjusted diluted EPS up 9.5% year over year and improved returns on assets and tangible common equity. Adjusted ne...
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial Disclosures
First Busey Extends CEO Tenure and Declares Dividend
Positive
Jul 15, 2026
On July 14, 2026, First Busey declared a quarterly cash dividend of $0.26 per share on its common stock, payable July 31, 2026 to shareholders of record as of July 24, 2026. The dividend reflects continued capital return to investors alongside a p...
Business Operations and StrategyStock BuybackShareholder Meetings
First Busey Expands Equity Plan and Share Repurchase Authorization
Positive
May 22, 2026
At its May 20, 2026 annual meeting, First Busey stockholders approved the Second Amended 2020 Equity Incentive Plan, adding 2.1 million shares for a broad range of equity and cash-based awards to employees, directors, and consultants, and elected ...
Dividends
First Busey Declares Quarterly Dividend on Series B Preferred
Positive
May 5, 2026
On May 5, 2026, First Busey Corporation declared a quarterly cash dividend of $0.515625 per depositary share on its 8.25% Fixed-Rate Series B Non-Cumulative Perpetual Preferred Stock. The dividend will be paid on June 1, 2026, to stockholders of r...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.