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First Busey Corp (BUSE)
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Upturn Advisory Summary
12/03/2025: 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 $26.29
1 Year Target Price $26.29
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -35.01% | 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 12/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.12B USD | Price to earnings Ratio 18.14 | 1Y Target Price 26.29 |
Price to earnings Ratio 18.14 | 1Y Target Price 26.29 | ||
Volume (30-day avg) 5 | Beta 0.8 | 52 Weeks Range 17.79 - 26.10 | Updated Date 12/3/2025 |
52 Weeks Range 17.79 - 26.10 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 4.21% | Basic EPS (TTM) 1.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.57% | Operating Margin (TTM) 45.9% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 5.33% |
Valuation
Trailing PE 18.14 | Forward PE 10.36 | Enterprise Value 2155833600 | Price to Sales(TTM) 3.62 |
Enterprise Value 2155833600 | Price to Sales(TTM) 3.62 | ||
Enterprise Value to Revenue 3.75 | Enterprise Value to EBITDA - | Shares Outstanding 88409043 | Shares Floating 84145075 |
Shares Outstanding 88409043 | Shares Floating 84145075 | ||
Percent Insiders 6.1 | Percent Institutions 64.71 |
Upturn AI SWOT
First Busey Corp
Company Overview
History and Background
First Busey Corporation was founded in 1868 as Busey's Bank in Urbana, Illinois. It has grown through acquisitions and organic expansion, evolving into a regional financial services provider.
Core Business Areas
- Community Banking: Provides a range of deposit, loan, and treasury management services to individuals and businesses.
- Wealth Management: Offers investment management, trust and estate services, and financial planning.
- Commercial Banking: Offers commercial loans, lines of credit, and treasury services to businesses of varying sizes.
Leadership and Structure
Van A. Dukeman serves as the Chairman, President and CEO. The organizational structure includes various executive leadership positions overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, competing with regional and national banks. Market share information is not readily available and varies by geographic market. Competitors include national and regional banks such as JP Morgan Chase and Fifth Third Bank.
- Mortgage Loans: Residential mortgage lending, competing with other banks and mortgage companies. Market share information is not readily available. Competitors include Rocket Mortgage and local credit unions.
- Wealth Management Services: Investment management and trust services, competing with wealth management firms and trust companies. Market share information is not readily available. Competitors include Northern Trust and Edward Jones.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from non-bank financial institutions and fintech companies.
Positioning
First Busey Corp is a regional bank focusing on community banking and wealth management services. Its competitive advantages include strong customer relationships and a local market presence.
Total Addressable Market (TAM)
The TAM for banking and wealth management services is substantial. First Busey Corp is positioned to capture a portion of the TAM in its regional markets, targeting small to medium sized businesses and retail customers.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diverse revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Sensitivity to interest rate fluctuations
- Reliance on traditional banking channels
- Higher cost structure than competitors
Opportunities
- Expansion into new markets
- Growth in wealth management services
- Adoption of digital banking technologies
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory requirements
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
- RF
- KEY
Competitive Landscape
First Busey Corp faces competition from larger national banks and smaller regional players. Its advantages include strong local relationships, while its disadvantages include limited scale.
Major Acquisitions
First Mid Bancshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 300
- Strategic Rationale: Expanded market presence in central Illinois.
Growth Trajectory and Initiatives
Historical Growth: First Busey Corp's growth has been driven by both organic expansion and acquisitions.
Future Projections: Future growth projections are based on analyst estimates and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
First Busey Corp is a regional bank with a strong local presence. Its core banking and wealth management businesses are performing well. It faces competition from larger banks and fintech companies. Continued investment in digital banking is crucial for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated and may not be precise.
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 1922 | Website https://www.busey.com |
Full time employees 1922 | 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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