📊 BUSEP Key Takeaways
Investment Thesis
First Busey Corp demonstrates solid profitability with a net margin of 18.8% and strong free cash flow generation of $173M, but faces headwinds from a 19.5% YoY revenue decline and deteriorating earnings quality evidenced by the 25.8% EPS decline despite positive net income growth. The bank's conservative leverage profile (0.05x debt/equity) and healthy operating cash flow provide financial stability, though weak interest coverage of 1.9x and declining per-share metrics warrant caution.
BUSEP Strengths
- Strong free cash flow of $173M with 24% FCF margin demonstrates cash generation capability
- Conservative leverage with 0.05x debt/equity ratio and low long-term debt of $113.8M
- Solid net profit margin of 18.8% and operating margin of 25.9% indicate pricing power
- Operating cash flow of $192.6M covers CapEx 9.8x showing sustainable operations
BUSEP Risks
- Sharp 19.5% YoY revenue decline suggests deteriorating business conditions or competitive headwinds
- EPS down 25.8% YoY despite net income growth indicates significant share dilution or unfavorable tax impacts
- Weak interest coverage ratio of 1.9x leaves limited cushion for debt servicing if conditions worsen
- Low ROA of 0.7% and ROE of 5.5% suggest inefficient asset utilization typical of stressed banks
Key Metrics to Watch
- Revenue trajectory and net interest margin trends to confirm stabilization
- EPS growth reconciliation and share dilution rate going forward
- Interest coverage ratio and loan portfolio quality metrics
- Deposit growth and customer retention indicators
- Capital adequacy ratios and regulatory leverage metrics
BUSEP Financial Metrics
💡 AI Analyst Insight
The 24.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BUSEP Profitability Ratios
BUSEP vs Finance Sector
How FIRST BUSEY CORP /NV/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BUSEP Balance Sheet & Liquidity
BUSEP 5-Year Financial Trend
5-Year Trend Summary: FIRST BUSEY CORP /NV/'s revenue has grown significantly by 56% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.18 reflects profitable operations.
BUSEP Growth Metrics (YoY)
BUSEP Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $118.5M | $32.0M | $0.55 |
| Q2 2025 | $116.2M | $17.4M | $0.22 |
| Q1 2025 | $110.8M | $26.2M | $-0.44 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BUSEP Capital Allocation
BUSEP SEC Filings
Access official SEC EDGAR filings for FIRST BUSEY CORP /NV/ (CIK: 0000314489)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 17, 2026 | 4 | xslF345X05/wk-form4_1773779846.xml | View → |
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773173218.xml | View → |
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773173126.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/wk-form4_1772575360.xml | View → |
| Mar 3, 2026 | 4 | xslF345X05/wk-form4_1772575224.xml | View → |
❓ Frequently Asked Questions about BUSEP
What is the AI rating for BUSEP?
FIRST BUSEY CORP /NV/ (BUSEP) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BUSEP's key strengths?
Strong free cash flow of $173M with 24% FCF margin demonstrates cash generation capability. Conservative leverage with 0.05x debt/equity ratio and low long-term debt of $113.8M.
What are the risks of investing in BUSEP?
Sharp 19.5% YoY revenue decline suggests deteriorating business conditions or competitive headwinds. EPS down 25.8% YoY despite net income growth indicates significant share dilution or unfavorable tax impacts.
What is BUSEP's revenue and growth?
FIRST BUSEY CORP /NV/ reported revenue of $719.6M.
Does BUSEP pay dividends?
FIRST BUSEY CORP /NV/ pays dividends, with $91.0M distributed to shareholders in the trailing twelve months.
Where can I find BUSEP SEC filings?
Official SEC filings for FIRST BUSEY CORP /NV/ (CIK: 0000314489) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BUSEP's EPS?
FIRST BUSEY CORP /NV/ has a diluted EPS of $1.47.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.