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First Busey Corporation

BUSE Financial Banks Regional

First Busey Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 57.4% from fiscal 2024.

Revenue
−4.46%
EPS
+6.90%
Free cash flow
+29.8%
Total debt
−3.56%

Quarter to September 2026, against a year earlier

28.70 0.67 −2.28%
Market cap
$2.3B
P/E
11.7×
Fwd P/E
11.5×
Dividend yield
3.62%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.20
Sold, $m 0.47
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — 2 — 2 — — — — — —
Sell 1 1 1 1 1 1 1 1 1 1 1 —
Insider Ownership 5.48%

Capital & Financial Ratios $m

Size
Market Cap 2,330.00
Revenue ttm 1,087.24
Net income ttm 229.75
Free cash flow ttm 236.41
Net debt Q (422.42)
Valuation
P/E 11.67
Forward P/E 11.50
Price / sales 2.18
Forward P/S Powerpack
Price / FCF 10.84
Price / book 1.05
Financial health
Current ratio Q 0.90
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −4.46% (below 0%: shrinking)
Operating income growth Q −6.20% (below 0%: shrinking)
EPS, this year +92.03% (at or above 15%: strong)
EPS, next year A +7.73%
Revenue, next year A −25.08% (below 0%: weak)
EPS, past 5 yrs −4.29% (below 0%: weak)
EPS, next 5 yrs A +30.24% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 32.16%
10-year low 10-year high
P/S against its own 10 years 23.54%
10-year low 10-year high
P/B against its own 10 years 39.35%
10-year low 10-year high

Dividends raised 2 years running

Yield
3.62%
Annual rate
1.04
Payout ratio
42.5%
Growth, 2018–26
+3.33%/yr
  1. 0.80 ’18
  2. 0.84 ’19 +5
  3. 0.88 ’20 +5
  4. 0.92 ’21 +5
  5. 0.92 ’22 +0
  6. 0.96 ’23 +4
  7. 0.96 ’24 +0
  8. 1.00 ’25 +4
  9. 1.04 ’26 +4
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 720 698 294 680
Receivables — — — —
Inventory — — — —
Other — — — —
8,281 8,315 13,694 13,719
2023 2024 2025 Q'26
Payables 10,291 9,982 14,906 15,538
ST’ Debt — — — —
Other — — — —
10,491 10,138 15,073 —

Compound Annual Growth %

10y 5y 3y
Sales 19.03% 18.60% 28.95%
Cash Flow 12.09% 3.37% 5.12%
Earnings 12.59% 4.56% (0.77%)
Book Value 20.80% 14.22% 29.16%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.67 Actual 0.63

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.61 0.68 Beat by 0.07
Q1 FY26 0.57 0.67 Beat by 0.10
Q2 FY26 0.65 0.69 Beat by 0.04
Q3 FY26 0.67 0.63 Miss by 0.04
Q4 FY26 0.67 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.52 0.69 0.61 — —
’25 (0.44) 0.52 0.58 0.63 1.47
’24 0.46 0.47 0.55 0.49 1.98
’23 0.65 0.52 0.54 0.46 2.18
’22 0.51 0.53 0.64 0.61 2.29
’21 0.69 0.53 0.46 0.53 2.20
’20 0.28 0.47 0.56 0.52 1.83
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 268 269 273 — —
’25 188 292 286 278 1,044
’24 161 166 170 167 663
’23 143 145 154 160 602
’22 112 114 126 135 487
’21 104 105 111 112 432
’20 112 109 112 112 445
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 52 41 71 — —
’25 8 50 62 72 193
’24 37 28 60 52 178
’23 45 40 42 46 173
’22 43 31 44 48 166
’21 44 36 23 60 162
’20 19 36 47 62 163
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 49 39 71 — —
’25 7 46 55 66 174
’24 36 28 59 51 174
’23 43 41 40 44 168
’22 43 31 44 47 165
’21 44 38 23 59 164
’20 17 35 47 61 160
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 240 309 376 473 445 432 487 602 663 1,044 1,087 +17.7% 782 792 820 (7.7%)
Gross margin, % 95.74 93.22 88.13 85.40 90.19 93.49 92.49 73.42 69.69 68.94 72.36 (26.8) pt
EBT 76 108 134 134 128 157 162 154 153 187 296 +10.4%
EBT margin, % 31.83 35.01 35.62 28.44 28.82 36.33 33.23 25.58 23.11 17.88 27.18 (14.0) pt
Net income 50 63 99 103 100 123 128 123 114 135 230 +11.8%
Per share, $
Per share, $ Revenue 6.84 7.23 7.70 8.62 8.15 7.80 8.79 10.86 11.72 12.43 13.18 +6.9%
Earnings 1.42 1.47 2.02 1.88 1.84 2.23 2.32 2.21 2.01 1.47 2.46 +0.4%
Cash flow (0.60) 5.94 4.15 1.61 2.99 2.93 2.99 3.13 3.15 2.29 2.87 n/m
Capex (0.19) (0.30) (0.23) (0.23) (0.06) 0.04 (0.01) (0.09) (0.07) (0.22) 0.00 +2.0%
Free cash flow (0.78) 5.64 3.91 1.38 2.93 2.97 2.98 3.04 3.08 2.07 2.87 n/m
Book value 16.94 21.90 20.37 22.25 23.28 23.82 20.69 22.95 24.44 29.39 27.36 +6.3%
Shares, m 35 43 49 55 55 55 55 55 57 84 84 +10.2%
Valuation, ×
Valuation, × P/E 21.84 20.05 12.09 14.63 11.78 12.16 10.65 11.31 11.79 18.30 11.67 14.5
P/S 4.50 4.13 3.19 3.19 2.64 3.48 2.80 2.29 2.01 1.91 2.18 3.0
P/B 1.82 1.36 1.21 1.24 0.93 1.14 1.19 1.08 0.96 0.81 1.05 1.2
EV/Sales 4.44 3.72 3.13 2.61 1.77 2.33 3.00 1.62 1.42 1.91 — 2.6
EV/FCF (38.86) 4.77 6.16 16.33 4.92 6.12 8.82 5.78 5.40 11.47 — 3.1
Cash, $m
Cash, $m Operating cash flow (21) 253 203 88 163 162 166 173 178 193 236 n/m
Capex (7) (13) (11) (13) (3) 2 0 (5) (4) (19) (18) +12.4%
Free cash flow (27) 241 191 76 160 164 165 168 174 174 236 n/m
Balance, $m
Balance, $m Working capital (384) (736) (651) (885) (1,414) (3,095) (2,790) (2,209) (1,823) (1,379) (1,582) +15.3%
Net debt (16) (128) (20) (275) (390) (496) 97 (407) (395) (4) (422) (15.4%)
Shareholders’ equity 594 935 995 1,220 1,270 1,319 1,146 1,272 1,383 2,469 2,256 +17.1%
Returns, %
Returns, % ROA 1.05 0.94 1.27 1.18 0.99 1.05 1.02 1.00 0.93 0.83 1.15 (0.2) pt
ROIC 8.26 8.37 8.59 8.89 9.11 11.90 8.13 11.12 9.70 4.73 8.19 (3.5) pt
ROE 10.27 8.20 10.25 9.29 8.06 9.54 10.41 10.14 8.56 6.51 8.99 (3.8) pt
People
People Employees 1,295 1,347 1,270 1,531 1,389 1,499 1,544 1,479 1,548 1,948 — +4.6%
Revenue/emp, $m 0.19 0.23 0.30 0.31 0.32 0.29 0.32 0.41 0.43 0.54 — +12.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

First Busey Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BANR Banner Corporation $2.6B 11.8× 11.7× +1.50% (above 0%: growing) −11.61% (below 0%: shrinking) −40.58% (below 0%: shrinking) 77.09% 0.00% Compare
SYBT Stock Yards Bancorp, Inc. $2.5B 15.2× 14.8× +11.93% (above 0%: growing) +14.63% (above 0%: growing) +134.96% (above 0%: growing) 74.21% 0.00% Compare
MBIN Merchants Bancorp $2.4B 8.3× 8.4× +13.68% (above 0%: growing) +136.04% (above 0%: growing) +267.73% (above 0%: growing) 57.39% 0.00% Compare
BUSE First Busey Corporation $2.3B 11.7× 11.5× −4.46% (below 0%: shrinking) +6.90% (above 0%: growing) +29.75% (above 0%: growing) 70.90% 0.00%
NWBI Northwest Bancshares, Inc. $2.2B 11.1× 10.9× +8.47% (above 0%: growing) +1,650.00% (above 0%: growing) +538.73% (above 0%: growing) 75.12% 0.00% Compare
EFSC Enterprise Financial Services Corporation $2.2B 12.4× 12.3× −8.24% (below 0%: shrinking) −4.17% (below 0%: shrinking) +50.95% (above 0%: growing) 74.70% 0.00% Compare
BBAR BBVA Banco Frances S.A. $2.2B 7.9× — +0.73% (above 0%: growing) +83.33% (above 0%: growing) −107.66% (below 0%: shrinking) 67.81% 0.00% Compare
WAFD WaFd, Inc. $2.2B 9.2× 10.9× +8.60% (above 0%: growing) +4.11% (above 0%: growing) +33.88% (above 0%: growing) 58.85% 0.00% Compare
OFG OFG Bancorp $2.1B 9.6× 9.4× −1.39% (below 0%: shrinking) +14.53% (above 0%: growing) +41.84% (above 0%: growing) 81.53% 0.00% Compare
Median of peers $2.2B 10.4× 10.9× +4.99% +14.58% +46.40% 74.46% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.03m 4.24m 135.00
2024 2.85m 2.43m 128.00
2023 2.18m 2.54m 130.00
2022 2.49m 2.23m 124.00
2021 2.12m 3.05m 131.00

Ownership

Directors and executive officers, together less than 1%
Steven W. Caple 9.68%
Wellington Management Group LLP17280 Congress StreetBoston, MA 8.35%
BlackRock, Inc.1855 East 7.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Busey Corporation (BUSE) Latest News

28 Oct

Impact 3 · · StockStory
Impact 3 · · Associated Press

27 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

26 Oct

Impact 3 · · StockStory

21 Oct

Impact 3 · · Simply Wall St.

20 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Zacks
Impact 3 · · 24/7 Wall St.

12 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

1 Oct

Impact 3 · · StockStory

25 Sep

Impact 3 ·

21 Sep

Impact 3 ·

9 Sep

Impact 3 · · Zacks

28 Jul

Impact 3 ·
Impact 3 ·

27 Jul

Impact 3 ·

23 Jul

Impact 3 ·

22 Jul

Impact 3 ·

22 Jun

Impact 3 · · StockStory

9 May

Impact 3 · · Simply Wall St.

28 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · StockStory

26 Apr

Impact 4 · · StockStory

21 Apr

Impact 3 · · StockStory

BUSE metrics, ten years each

stockrow.com/BUSE · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com