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First Busey Corp (BUSE)
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Upturn Advisory Summary
10/31/2025: BUSE (1-star) is currently NOT-A-BUY. Pass it for now.
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 $25.57
1 Year Target Price $25.57
| 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 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.99B USD | Price to earnings Ratio 16.94 | 1Y Target Price 25.57 |
Price to earnings Ratio 16.94 | 1Y Target Price 25.57 | ||
Volume (30-day avg) 5 | Beta 0.78 | 52 Weeks Range 17.79 - 27.07 | Updated Date 11/2/2025 |
52 Weeks Range 17.79 - 27.07 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 4.40% | Basic EPS (TTM) 1.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When After Market | Estimate 0.62 | Actual 0.64 |
Profitability
Profit Margin 17.57% | Operating Margin (TTM) 43.06% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 5.33% |
Valuation
Trailing PE 16.94 | Forward PE 10.36 | Enterprise Value 2019971968 | Price to Sales(TTM) 3.4 |
Enterprise Value 2019971968 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 4.23 | Enterprise Value to EBITDA - | Shares Outstanding 88789043 | Shares Floating 84528057 |
Shares Outstanding 88789043 | Shares Floating 84528057 | ||
Percent Insiders 6.07 | Percent Institutions 62.27 |
Upturn AI SWOT
First Busey Corp
Company Overview
History and Background
First Busey Corp. was founded in 1868 as Busey's Bank in Urbana, Illinois. It has grown through acquisitions and organic expansion, evolving into a financial holding company offering a wide range of banking and financial services.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals and businesses, including checking and savings accounts, loans, and mortgages.
- Wealth Management: Offers wealth management, investment, and trust services to individuals, families, and institutions.
- Commercial Banking: Commercial lending, treasury management services, and other financial solutions for businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide capital for business operations, expansion, and real estate. Market share varies regionally. Competitors include larger national banks and other regional banks.
- Mortgages: Residential mortgage lending services. Market share varies geographically. Competitors include mortgage specialists and larger banks.
- Wealth Management Services: Investment management, trust services, and financial planning. Competitors include national brokerage firms and independent advisors.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Interest rate fluctuations, economic conditions, and technological advancements significantly impact the industry. Consolidation continues to be a major trend.
Positioning
First Busey Corp is a regional bank focused on community banking and wealth management, competing with both larger national banks and smaller community banks and wealth management firms. Focus on customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services is vast, covering all individuals and businesses requiring financial services. First Busey Corp's position is primarily within specific Midwestern markets, giving it a smaller piece of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified revenue streams
- Experienced management team
- Solid capital position
Weaknesses
- Limited geographic footprint compared to larger banks
- Susceptibility to interest rate risk
- Higher operating costs compared to technology-focused competitors
- Reliance on traditional banking practices
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on economic growth in key markets
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Wintrust Financial Corporation (WTFC)
- Old National Bancorp (ONB)
- Hancock Whitney Corporation (HWC)
Competitive Landscape
First Busey Corp competes with larger regional and national banks. Its advantages include strong community relationships and a focus on customer service. Disadvantages include a smaller geographic footprint and limited resources compared to larger competitors.
Major Acquisitions
HCI Bancorp, Inc.
- Year: 2020
- Acquisition Price (USD millions): 116.3
- Strategic Rationale: Expanded market presence in Illinois.
Growth Trajectory and Initiatives
Historical Growth: First Busey Corp's growth has been a mix of organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on economic conditions, market competition, and the success of strategic initiatives. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and strategic acquisitions.
Summary
First Busey Corp is a regional bank with a strong community focus and diversified revenue streams. While it faces competition from larger banks and fintech companies, its experienced management and solid capital position provide a stable foundation. Growth opportunities lie in expanding digital offerings and strategic acquisitions, but economic downturns and regulatory changes pose potential challenges.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data and financial information are subject to change.
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 1468 | Website https://www.busey.com |
Full time employees 1468 | 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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