First Busey (BUSE) AI Stock Analysis

• Market Cap: $2.23B
• Dividend Yield: 4.11%
• Average Volume (3M): 527.18K
• Price to Earnings (P/E): 15.7
• Beta (1Y): 0.88
• Revenue Growth: 41.45%
• EPS Growth: -41.16%
• Country: US
• Employees: 1,965
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 86,227,450
• 10 Day Avg. Volume: 461,106
• 30 Day Avg. Volume: 527,180
• PEG Ratio: -0.61
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 2.03
• P/FCF Ratio: 12.20
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 2.44
• Enterprise Value/Gross Profit: 3.80
• Enterprise Value/Ebitda: 11.59
• 1Y Price Target: $28.00
• Price Target Upside: 8.15% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 2.51
• Revenue Forecast (FY): $809.89M

• Rating: 72 Outperform
• Price Target: $29.00 ▲(12.01% Upside)
• Action: Reiterated Date: 02/27/26
• Date: Action: Reiterated 02/27/26

The score is driven primarily by solid financial performance (good revenue momentum, strong cash conversion, and improving leverage), partially offset by declining profitability (lower net margins and ROE). Valuation is reasonable with an attractive dividend yield, while technical signals are neutral-to-mildly positive and corporate updates are supportive but include a near-term one-time expense from leadership transition.

Positive Factors

Conservative, improving leverage

A materially lower debt-to-equity ratio indicates a safer, de-risked balance sheet that enhances capital flexibility. Over the next several months this improves resilience to credit or rate shocks, supports regulatory ratios and creates optionality for targeted lending or shareholder returns without levering the franchise.

Negative Factors

Material margin compression

A steep multi-year decline in net margin reflects either rising costs, margin pressure from funding/asset mix, or credit impacts. Persisting margin compression would erode incremental profits from revenue growth, constrain reinvestment and dividends, and hamper the bank's ability to restore historical return levels over the medium term.

First Busey Business Overview & Revenue Model

Company Description

First Busey Corporation operates as the bank holding company for Busey Bank that provides retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. The company ope...

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First Busey Corporation operates as the bank holding company for Busey Bank that provides retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. The company ope...

How the Company Makes Money

First Busey generates revenue through various channels primarily focused on interest income and non-interest income. The largest portion of its revenue comes from net interest income, which is derived from the interest earned on loans and investme...

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First Busey generates revenue through various channels primarily focused on interest income and non-interest income. The largest portion of its revenue comes from net interest income, which is derived from the interest earned on loans and investme...

First Busey Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.04B	662.51M	600.59M	486.60M	431.60M
Gross Profit	666.84M	452.86M	438.27M	445.43M	418.60M
EBITDA	204.71M	173.86M	176.61M	187.39M	185.00M
Net Income	135.26M	113.69M	122.56M	128.31M	123.45M
Balance Sheet
Total Assets	18.10B	12.05B	12.28B	12.34B	12.86B
Cash, Cash Equivalents and Short-Term Investments	181.04M	1.93B	2.81B	2.69B	4.82B
Total Debt	490.06M	469.19M	523.58M	917.70M	638.82M
Total Liabilities	15.64B	10.66B	11.01B	11.19B	11.54B
Stockholders Equity	2.47B	1.38B	1.27B	1.15B	1.32B
Cash Flow
Free Cash Flow	173.76M	171.84M	163.86M	160.80M	156.97M
Operating Cash Flow	192.57M	178.27M	173.39M	165.79M	162.01M
Investing Cash Flow	1.10B	657.90M	550.99M	-290.86M	-829.19M
Financing Cash Flow	-1.69B	-858.09M	-231.96M	-483.86M	814.74M

First Busey Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 25.89
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 25.89 is above the 20-day moving average (MA) of 24.95, above the 50-day MA of 25.47, and above the 200-day MA of 23.83, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 60.78 is Neutral, neither overbought nor oversold. The STOCH value of 85.35 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BUSE.

First Busey Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BUSE	72 Outperform	$2.23B	15.68	5.33%	4.11%	41.45%	-41.16%
OFG	71 Outperform	$1.80B	9.31	15.21%	2.73%	3.98%	6.75%
NBTB	68 Neutral	$2.28B	11.56	9.51%	3.33%	11.63%	5.58%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EFSC	66 Neutral	$2.05B	9.91	10.25%	2.20%	6.59%	9.36%
TRMK	65 Neutral	$2.54B	10.48	10.98%	2.38%	17.95%	―

First Busey Corporate Events