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Upturn AI SWOT - About
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First Busey Corp (BUSE)
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Upturn Advisory Summary
06/17/2025: BUSE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $26
1 Year Target Price $26
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.83% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.08B USD | Price to earnings Ratio 21.59 | 1Y Target Price 26 |
Price to earnings Ratio 21.59 | 1Y Target Price 26 | ||
Volume (30-day avg) 5 | Beta 0.78 | 52 Weeks Range 18.17 - 28.04 | Updated Date 06/30/2025 |
52 Weeks Range 18.17 - 28.04 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.30% | Basic EPS (TTM) 1.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.35% | Operating Margin (TTM) 2.12% |
Management Effectiveness
Return on Assets (TTM) 0.37% | Return on Equity (TTM) 3.32% |
Valuation
Trailing PE 21.59 | Forward PE 10.36 | Enterprise Value 1440518144 | Price to Sales(TTM) 4.83 |
Enterprise Value 1440518144 | Price to Sales(TTM) 4.83 | ||
Enterprise Value to Revenue 5.29 | Enterprise Value to EBITDA - | Shares Outstanding 89490496 | Shares Floating 85336396 |
Shares Outstanding 89490496 | Shares Floating 85336396 | ||
Percent Insiders 6.03 | Percent Institutions 61.2 |
Analyst Ratings
Rating 3 | Target Price 26 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Busey Corp
Company Overview
History and Background
First Busey Corporation was founded in 1868 as Busey Bank in Urbana, Illinois. It has grown through acquisitions and organic expansion to become a multi-bank holding company offering a range of financial services.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including deposit accounts, loans, and wealth management.
- Commercial Banking: Offers specialized financial solutions for businesses, including commercial lending, treasury management, and international banking services.
- Wealth Management: Provides investment advisory, trust, and financial planning services to individuals, families, and institutions.
Leadership and Structure
Van A. Dukeman serves as the Chairman, President, and CEO. The company operates with a board of directors and a senior management team overseeing various departments and subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of First Busey's loan portfolio. Competitors include large national banks and other regional banks.
- Residential Mortgages: Offers mortgage products to individuals. Competitors include national mortgage lenders and other regional banks.
- Wealth Management Services: Provides financial planning and investment management services. Competitors include larger wealth management firms and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increased competition from fintech companies.
Positioning
First Busey Corp is a regional bank that competes with larger national banks and smaller community banks. Its competitive advantages include strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in First Busey's operating area is substantial, potentially in the billions. First Busey is positioned as a dominant regional leader capitalizing on local relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Diversified business segments
- Experienced management team
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on traditional banking model
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets through acquisitions
- Adoption of new technologies to improve efficiency
- Growth in wealth management business
- Increased demand for commercial lending
Threats
- Increased competition from fintech companies
- Rising interest rates
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
First Busey Corp competes with larger national banks and smaller community banks. Its competitive advantages include strong local presence and customer relationships.
Major Acquisitions
HickoryPoint Bank & Trust
- Year: 2018
- Acquisition Price (USD millions): 176.4
- Strategic Rationale: Expanded Busey's presence in the Champaign-Urbana market and added significant assets.
Growth Trajectory and Initiatives
Historical Growth: First Busey Corp has grown through acquisitions and organic expansion.
Future Projections: Future growth projections depend on market conditions, regulatory changes, and the company's ability to execute its strategic initiatives.
Recent Initiatives: Recent initiatives may include acquisitions, new product launches, and investments in technology.
Summary
First Busey Corp is a regional bank with a strong local presence and diversified business segments. The bank's strengths include established customer relationships and an experienced management team, but it faces challenges such as competition from larger national banks and fintech companies. First Busey Corp must adapt to regulatory changes and invest in new technologies to maintain its competitive position and grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. The data provided is for informational purposes only and may not be accurate or complete.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Busey Corp
Exchange NASDAQ | Headquaters Champaign, IL, United States | ||
IPO Launch date 1998-10-06 | Chairman, CEO & Chairman of Busey Bank Mr. Van A. Dukeman CFA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1965 | Website https://www.busey.com |
Full time employees 1965 | Website https://www.busey.com | ||
First Busey Corporation operates as the bank holding company for Busey Bank that engages in the provision of retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. It operates through three segments: Banking, Wealth Management, and FirsTech. The company offers demand and savings deposits, money transfers, safe deposit services, individual retirement accounts and other fiduciary services, automated teller machines, and technology-based networks, as well as various loan products, including residential real estate, home equity lines of credit, and consumer loans to individual customers; and commercial, commercial real estate, real estate construction, and agricultural loans, as well as cash management services to corporate customers. It also provides asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, and farm management services; trust and estate advisory services and financial planning; succession planning and employee retirement plan; and investment strategy consulting services to individuals, businesses, and foundations. In addition, the company payment technology solution offers text-based mobile bill pay; interactive voice response; electronic payment concentration delivered to automated clearing house networks, money management, and credit card networks; walk-in payment processing for customers at retail pay agents; customer service payments made over a telephone; direct debit services; merchant services referral solutions; lockbox remittance processing for customers to make payments by mail; and tools for billing, reconciliation, bill reminders, and treasury services. The company was founded in 1868 and is headquartered in Champaign, Illinois.
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