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Upturn AI Summary - About
First Busey Corp(BUSE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BUSE
11/05/2026: BUSE (1-star) is currently NOT-A-BUY. Pass it for now.
First Busey Corporation is a Midwest-focused regional bank that distinguishes itself through a balanced business model including banking, wealth management, and a specialized payment processing segment. The company has a stable, conservative history of organic growth bolstered by targeted regional acquisitions. Its primary strength lies in its diversified revenue streams and deep-rooted community relationships, which provide a buffer during economic cycles. However, the company faces risks from Midwestern economic concentration and intense competition from larger regional and national peers. The stock is generally well-suited for value-oriented and dividend-seeking investors who are looking for a reliable, though moderate-growth, financial services firm to monitor over the long term.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with steady, moderate growth prospects rather than high-growth potential. |
| Momentum investor | Weak fit | The stock typically exhibits value-oriented characteristics rather than strong price momentum trends. |
| Value investor | Strong fit | The company is often traded at valuation multiples consistent with traditional regional bank value metrics. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While more stable than high-growth sectors, it remains susceptible to banking industry volatility and regional economic shifts. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be volatile during interest rate cycles or economic downturns. |
| Valuation risk | Low | The stock is generally priced based on traditional fundamental metrics, limiting extreme overvaluation risk. |
| Competition risk (banking competition) | Medium / high | Intense competition for deposits and loans from larger and peer banks limits pricing power. |
| Business quality | Medium | The company has a solid, established franchise but lacks the scale of dominant national players. |
| Dividend income | Low | The dividend is relatively stable, though not immune to financial stress scenarios. |
| Execution risk | Medium | Success depends on the integration of acquisitions and the growth of the FirsTech segment. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -21.77% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.42B USD | Price to earnings Ratio 11.99 | 1Y Target Price 31.83 |
Price to earnings Ratio 11.99 | 1Y Target Price 31.83 | ||
Volume (30-day avg) 857.7K shares | Beta 0.75 | 52 Weeks Range 21.31 - 31.43 | Updated Date 11/04/2026 |
52 Weeks Range 21.31 - 31.43 | Updated Date 11/04/2026 | ||
Dividends yield (FY) 3.57% | Basic EPS (TTM) 2.45 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial & Retail Banking | Interest earned on loans and securities; fees for banking services. | This is the core engine, generating profit from the spread between interest collected on loans and interest paid on deposits. |
| Wealth Management | Asset management and trust services fees. | Provides recurring, fee-based revenue that is less sensitive to interest rate fluctuations. |
| Payment Processing (FirsTech) | Transactional fees from billing and payment services. | A unique, growing technology niche that provides a steady stream of non-interest income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.67 | Actual 0.63 |
Profitability
Profit Margin 28.05% | Operating Margin (TTM) 42.39% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 9.77% |
Valuation
Trailing PE 11.99 | Forward PE 10.36 | Enterprise Value 1.94B | Price to Sales(TTM) 2.96 |
Enterprise Value 1.94B | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 82.58M | Shares Floating 78.65M |
Shares Outstanding 82.58M | Shares Floating 78.65M | ||
Percent Insiders 4.35 | Percent Institutions 69.74 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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