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Upturn AI SWOT - About
BUSE 
First Busey Corp (BUSE)
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Upturn Advisory Summary
09/17/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $26.71
1 Year Target Price $26.71
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.34% | Avg. Invested days 28 | 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 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.18B USD | Price to earnings Ratio 19.44 | 1Y Target Price 26.71 |
Price to earnings Ratio 19.44 | 1Y Target Price 26.71 | ||
Volume (30-day avg) 5 | Beta 0.82 | 52 Weeks Range 17.98 - 27.36 | Updated Date 09/17/2025 |
52 Weeks Range 17.98 - 27.36 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 4.03% | Basic EPS (TTM) 1.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.55% | Operating Margin (TTM) 47.7% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 4.14% |
Valuation
Trailing PE 19.44 | Forward PE 10.36 | Enterprise Value 1892589568 | Price to Sales(TTM) 4.38 |
Enterprise Value 1892589568 | Price to Sales(TTM) 4.38 | ||
Enterprise Value to Revenue 4.44 | Enterprise Value to EBITDA - | Shares Outstanding 89065910 | Shares Floating 84807669 |
Shares Outstanding 89065910 | Shares Floating 84807669 | ||
Percent Insiders 6.02 | Percent Institutions 62.15 |
Upturn AI SWOT
First Busey Corp
Company Overview
History and Background
First Busey Corp. was founded in 1868 in Urbana, Illinois. Initially a small community bank, it has grown through organic expansion and acquisitions to become a diversified financial holding company.
Core Business Areas
- Banking: Provides a range of banking services, including commercial and retail banking, wealth management, and trust services. These services cater to individuals, businesses, and institutions.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of various sizes.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is a typical holding company structure with various subsidiaries and departments reporting to the corporate level.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, equipment financing, and real estate. First Busey's market share in commercial loans in its primary markets is estimated to be around 5-7%. Competitors include larger national and regional banks like JP Morgan Chase and Fifth Third Bank.
- Mortgage Lending: Residential mortgage loans offered to individuals. Market share is variable depending on the region, estimated to be 3-5% in core markets. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Wealth Management Services: Financial planning and asset management for individuals and businesses. Market share estimated to be 1-2%. Competitors include large financial firms like Edward Jones and Merrill Lynch.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation is an ongoing trend.
Positioning
First Busey Corp. is positioned as a community-focused bank with a strong presence in its core markets. It aims to provide personalized service and build long-term relationships with its customers.
Total Addressable Market (TAM)
The TAM for banking services in First Busey's geographic footprint is estimated to be in the billions of dollars annually. First Busey captures a small percentage of this TAM, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in core markets
- Experienced management team
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on local economic conditions
- Higher efficiency ratios compared to peers
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks or financial institutions
- Increased adoption of digital banking technologies
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
- KEY
Competitive Landscape
First Busey faces stiff competition from larger national banks and regional players. Its advantages lie in its community focus and strong relationships, while its disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Hinsdale Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 149.3
- Strategic Rationale: Expanded presence in the Chicago metropolitan area, increased deposit base and lending opportunities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed through past financial statements and annual reports. Requires specific data extraction from available resources.
Future Projections: Future growth projections are derived from analyst estimates, which are subject to change. Refer to financial news and analyst reports for current estimates.
Recent Initiatives: Recent initiatives would be available in press releases, investor presentations, and company filings.
Summary
First Busey Corp. is a regional bank with a strong community presence. Its strengths lie in its established reputation and diversified services. However, it faces competition from larger banks and needs to adapt to changing industry trends to maintain growth and profitability. The company's recent acquisitions have expanded it's reach, although it needs to maintain efficiency and carefully manage competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Press releases
- Financial news articles
- Analyst reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial information should be verified through official company filings.
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 Leawood, KS, United States | ||
IPO Launch date 1998-10-06 | Executive Chairman, CEO & Executive Chairman of Busey Bank Mr. Van A. Dukeman CFA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1950 | Website https://www.busey.com |
Full time employees 1950 | 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 Leawood, Kansas.
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