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Upturn AI SWOT - About
BUSE 
First Busey Corp (BUSE)
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Upturn Advisory Summary
08/28/2025: 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 -30.81% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.20B USD | Price to earnings Ratio 19.6 | 1Y Target Price 26.71 |
Price to earnings Ratio 19.6 | 1Y Target Price 26.71 | ||
Volume (30-day avg) 5 | Beta 0.81 | 52 Weeks Range 17.98 - 27.36 | Updated Date 08/29/2025 |
52 Weeks Range 17.98 - 27.36 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.97% | 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 19.6 | Forward PE 10.36 | Enterprise Value 1924653312 | Price to Sales(TTM) 4.41 |
Enterprise Value 1924653312 | Price to Sales(TTM) 4.41 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 89065904 | Shares Floating 84807669 |
Shares Outstanding 89065904 | Shares Floating 84807669 | ||
Percent Insiders 6.02 | Percent Institutions 62.13 |
Upturn AI SWOT
First Busey Corp
Company Overview
History and Background
First Busey Corporation was founded in 1868 in Urbana, Illinois. Originally known as Busey's Bank, it has grown through organic expansion and acquisitions to become a multi-bank holding company offering a range of financial services.
Core Business Areas
- Community Banking: Provides a range of commercial and retail banking services, including deposit accounts, loans, and other financial products to individuals and businesses. Commercial lending is a major component.
- Wealth Management: Offers trust and investment management services, including financial planning, investment advisory, and fiduciary services. This segment helps clients manage their assets and plan for their financial future.
Leadership and Structure
Van A. Dukeman serves as Chairman, President, and CEO. The organizational structure includes various executive leadership positions overseeing banking operations, wealth management, and corporate functions. They have a board of directors with independent members.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans make up a significant portion of First Busey's lending portfolio. Market share data is regional and varies depending on the specific market. Competitors include larger regional and national banks like JP Morgan Chase and US Bank.
- Residential Mortgages: First Busey offers residential mortgages to individuals. Market share data is regional and varies. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Wealth Management Services: Services include trust, investment management and financial planning. Revenue attributable is not precisely broken out, but generates fee income for the company. Competitors include larger firms like Fidelity, Schwab and smaller regional wealth management companies.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and competition from fintech companies. Consolidation is occurring among smaller community banks.
Positioning
First Busey Corp. positions itself as a community-focused bank with a strong regional presence. Its competitive advantages include long-standing customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for banking and wealth management services is substantial, estimated at trillions of dollars nationally. First Busey captures a small portion of this, primarily within its regional footprint, and aims to grow its market share through strategic acquisitions and organic growth.
Upturn SWOT Analysis
Strengths
- Strong regional brand recognition
- Established customer relationships
- Diversified revenue streams (banking and wealth management)
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic footprint compared to larger banks
- Dependence on the regional economy
- Exposure to interest rate risk
- Higher operating costs compared to larger banks due to scale
- Susceptible to economic downturns
Opportunities
- Expansion into new markets through acquisitions
- Growth in wealth management services
- Increased adoption of digital banking technologies
- Capitalizing on the consolidation trend in the banking industry
- Increase customer base by providing differentiated banking services.
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates negatively impacting loan demand
- Economic downturns affecting loan quality
- Regulatory changes increasing compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- USB
- KEY
Competitive Landscape
First Busey competes with larger national banks, regional banks, and credit unions. Its advantages lie in its strong regional presence, customer service and community focus. Disadvantages are its smaller size and limited geographic footprint.
Major Acquisitions
HickoryPoint Bank & Trust
- Year: 2018
- Acquisition Price (USD millions): 176.4
- Strategic Rationale: Expanded market share in central Illinois and increased branch network.
First Community Financial Corporation
- Year: 2019
- Acquisition Price (USD millions): 123.2
- Strategic Rationale: Expanded presence in the Chicago metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: First Busey has experienced growth through strategic acquisitions and organic expansion. Historically, growth has been steady but may fluctuate based on economic conditions.
Future Projections: Future growth projections will be determined by analyst estimates, driven by factors like interest rate environment, loan growth, and acquisitions. The company projects modest increases in revenue growth in the coming years.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion of wealth management services, and strategic acquisitions to increase market share.
Summary
First Busey is a regional bank with a solid foundation in community banking and wealth management. While it benefits from a strong regional brand and customer relationships, it faces competition from larger institutions and is susceptible to economic fluctuations. Future growth hinges on successful execution of strategic initiatives, including digital expansion and strategic acquisitions, while they need to be aware of current economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change and may not be accurate.
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 | 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 Champaign, Illinois.
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