First Busey Corporation (BUSE) vs FB Financial Corporation (FBK)

First Busey Corporation and FB Financial Corporation are both Banks Regional companies. First Busey Corporation and FB Financial Corporation are of similar size ($2.5B and $2.4B). FB Financial Corporation trades at the lower P/E: 11.4× against 12.2×. First Busey Corporation grew revenue faster over the last twelve months: 34.6% against 25.5%. FB Financial Corporation has the higher net margin (22.6% vs 19.3%) and the higher return on invested capital (20.5% vs 9.57%). Both pay a dividend; First Busey Corporation yields more (4.38% vs 1.59%). Across the 19 metrics below, FB Financial Corporation leads on 10 and First Busey Corporation on 9.

Valuation

Metric BUSE FBK Banks Regional median
P/E 12.16 11.41 11.98
P/S 2.26 2.49 2.34
P/B 1.04 1.33 1.19
Price to free cash flow 11.86 12.67 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.22% 8.76% 8.23%
Free cash flow yield 8.43% 7.89% 9.08%

Profitability

Metric BUSE FBK Banks Regional median
Gross margin 71.78% 67.87% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.28% 22.62% 18.66%
Free cash flow margin 19.07% 0.00% 21.11%
Return on equity 8.85% 11.93% 10.65%
Return on assets 1.14% 1.40% 1.13%
Return on invested capital 9.57% 20.48% 8.35%

Growth

Metric BUSE FBK Banks Regional median
Revenue growth (TTM) 34.58% 25.48% 6.98%
EPS growth (last fiscal year) (25.76%) (0.81%) 18.88%
Revenue growth, 5-year CAGR 18.60% 7.32% 12.38%
Net income growth, 5-year CAGR 4.56% 14.02% 9.71%

Health

Metric BUSE FBK Banks Regional median
Debt to equity 0.11 0.00 0.22
Current ratio 0.90 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BUSE FBK Banks Regional median
Dividend yield 4.38% 1.59% 2.57%
Payout ratio 0.53 0.18 0.30

Size

Metric BUSE FBK Banks Regional median
Market cap 2.42b 2.49b 913.33m

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