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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. In the quarter to June 2026, revenue fell 8.06%, EPS grew 30.2%, free cash flow fell 15.0% and total debt fell 3.56%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three, operating cash flow growth for three; insiders bought in the last twelve months.

29.43 0.17 +0.58%
Market cap
$2.4B
P/E
12.2×
Fwd P/E
11.2×
Dividend yield
3.50%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.20
Total sells 0.45
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 1 — — 2 — 2 — — — — —
Sell 1 1 1 1 1 1 1 1 1 1 1 —
Insider Ownership 6.26%

Capital & Financial Ratios $m

Market Cap 2,420.00
Revenue 1,099.97
Net Income 231.01
Free Cash Flow 209.75
Net Debt (422.42)
Current Ratio 0.90
Debt/Equity 0.11
P/E ratio 12.16
Fwd P/E 11.20
P/S ratio 2.26
P/B ratio 1.04
Past 5Y EPS Growth (4.29%) (below 0%: weak)
This Y EPS Growth 97.45% (at or above 15%: strong)
Next Y EPS Growth 7.57%
Next Y revenue growth (24.76%) (below 0%: weak)
Next 5Y EPS Growth 32.49% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 40.73%
10-year low 10-year high
P/S against its own 10 years 29.64%
10-year low 10-year high
P/B against its own 10 years 39.33%
10-year low 10-year high

Dividends

Payout Ratio 0.43
Annual Dividend Rate 1.03
Annual Dividend Yield 3.50%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.04
0.26
0.26
0.26
2025 1.00
0.25
0.25
0.25
0.25
2024 0.96
0.24
0.24
0.24
0.24
2023 0.96
0.24
0.24
0.24
0.24
2022 0.92
0.23
0.23
0.23
0.23
2021 0.92
0.23
0.23
0.23
0.23
2020 0.88
0.22
0.22
0.22
0.22
2019 0.84
0.21
0.21
0.21
0.21
2018 0.80
0.20
0.20
0.20
0.20
2017 0.72
0.18
0.18
0.18
0.18
2016 0.68
0.17
0.17
0.17
0.17
predictions special payouts not included in total or ratios

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 15,129
ST’ Debt — — — —
Other — — — —
10,491 10,138 15,073 15,301

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%

Revenue $m

Mar Jun Sep Dec Year
’26 268 269 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.52 0.69 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 17.68 27.33 23.13 23.44 11.00 20.58 21.66 16.26 21.68 18.40

Analyst estimates 2026–2028

Powerpack
High 31.01 32.88 33.25 28.00 27.76 28.60 29.73 25.80 28.97 25.62
People
People Employees 1,295 1,347 1,270 1,531 1,389 1,499 1,544 1,479 1,548 1,948
Revenue/emp, $m 0.19 0.23 0.30 0.31 0.32 0.29 0.32 0.41 0.43 0.54
Income, $m
Income, $m Revenue 240 309 376 473 445 432 487 602 663 1,044
Gross margin, % 95.74 93.22 88.13 85.40 90.19 93.49 92.49 73.42 69.69 68.94
EBT 76 108 134 134 128 157 162 154 153 187
EBT margin, % 31.83 35.01 35.62 28.44 28.82 36.33 33.23 25.58 23.11 17.88
Net income 50 63 99 103 100 123 128 123 114 135
Depreciation 12 10 15 27 24 46 58 54 35 15
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
Earnings 1.42 1.47 2.02 1.88 1.84 2.23 2.32 2.21 2.01 1.47
Cash flow (0.60) 5.94 4.15 1.61 2.99 2.93 2.99 3.13 3.15 2.29
Capex (0.19) (0.30) (0.23) (0.23) (0.06) 0.04 (0.01) (0.09) (0.07) (0.22)
Free cash flow (0.78) 5.64 3.91 1.38 2.93 2.97 2.98 3.04 3.08 2.07
Book value 16.94 21.90 20.37 22.25 23.28 23.82 20.69 22.95 24.44 29.39
Shares, m 35 43 49 55 55 55 55 55 57 84
Valuation, ×
Valuation, × P/E 21.84 20.05 12.09 14.63 11.78 12.16 10.65 11.31 11.79 18.30
P/S 4.50 4.13 3.19 3.19 2.64 3.48 2.80 2.29 2.01 1.91
P/B 1.82 1.36 1.21 1.24 0.93 1.14 1.19 1.08 0.96 0.81
EV/Sales 4.44 3.72 3.13 2.61 1.77 2.33 3.00 1.62 1.42 1.91
EV/FCF (38.86) 4.77 6.16 16.33 4.92 6.12 8.82 5.78 5.40 11.47
Cash, $m
Cash, $m Operating cash flow (21) 253 203 88 163 162 166 173 178 193
Capex (7) (13) (11) (13) (3) 2 0 (5) (4) (19)
Free cash flow (27) 241 191 76 160 164 165 168 174 174
Balance, $m
Balance, $m Working capital (384) (736) (651) (885) (1,414) (3,095) (2,790) (2,209) (1,823) (1,379)
Total debt 151 225 220 254 298 340 324 313 303 291
Net debt (16) (128) (20) (275) (390) (496) 97 (407) (395) (4)
Shareholders’ equity 594 935 995 1,220 1,270 1,319 1,146 1,272 1,383 2,469
Returns, %
Returns, % ROA 1.05 0.94 1.27 1.18 0.99 1.05 1.02 1.00 0.93 0.83
ROIC 8.26 8.37 8.59 8.89 9.11 11.90 8.13 11.12 9.70 4.73
ROE 10.27 8.20 10.25 9.29 8.06 9.54 10.41 10.14 8.56 6.51
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CUBI Customers Bancorp, Inc $2.5B 8.8× 8.7× +5.90% (above 0%: growing) +19.77% (above 0%: growing) −34.56% (below 0%: shrinking) 60.05% 0.00% Compare
FBNC First Bancorp $2.5B 18.7× 12.6× +8.82% (above 0%: growing) +31.18% (above 0%: growing) +49.87% (above 0%: growing) 77.46% 0.00% Compare
FBK FB Financial Corporation $2.5B 11.4× 11.4× −1.10% (below 0%: shrinking) +180.40% (above 0%: growing) +8.46% (above 0%: growing) 66.94% 0.00% Compare
FRME First Merchants Corporation $2.5B 12.7× 10.9× +14.16% (above 0%: growing) −28.57% (below 0%: shrinking) +64.02% (above 0%: growing) 65.81% 0.00% Compare
BANR Banner Corporation $2.5B 11.1× 11.1× +1.33% (above 0%: growing) +9.92% (above 0%: growing) −29.43% (below 0%: shrinking) 77.84% 0.00% Compare
BUSE First Busey Corporation $2.4B 12.2× 11.2× −8.06% (below 0%: shrinking) +30.19% (above 0%: growing) −15.02% (below 0%: shrinking) 73.20% 0.00%
SYBT Stock Yards Bancorp, Inc. $2.4B 15.2× 14.5× +11.27% (above 0%: growing) +13.79% (above 0%: growing) +1.75% (above 0%: growing) 73.89% 0.00% Compare
BBT Beacon Financial Corporation $2.3B 15.1× 9.7× +99.71% (above 0%: growing) +211.49% (above 0%: growing) +88.09% (above 0%: growing) 68.58% 0.00% Compare
MBIN Merchants Bancorp $2.3B 9.8× 9.1× −4.26% (below 0%: shrinking) +146.67% (above 0%: growing) +267.73% (above 0%: growing) 53.63% 0.00% Compare
Median of peers $2.5B 12.0× 11.0× +7.36% +25.48% +29.16% 67.76% 0.00%

All 323 Banks Regional stocks →

First Busey Corporation (BUSE) key facts

  • Strength: First Busey Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 57.4% from fiscal 2024.
  • First Busey Corporation (BUSE) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, BUSE traded at $29.43, a market capitalization of $2.4 billion.
  • First Busey Corporation pays an annual dividend of $1.03 per share, a yield of 3.50%, with a payout ratio of 42.6%.
  • Return on equity was 6.51% and debt-to-equity 0.11.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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stockrow.com/BUSE · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com