First Busey AI Stock Analysis
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First Busey (BUSE) AI Stock Analysis
First Busey
(NASDAQ:BUSE)
BUSE scores as moderately attractive, led by solid financial performance (strong profitability, improving leverage, and good cash conversion) and supportive valuation (reasonable P/E and a ~3.6% dividend yield). The main constraint is weaker technical momentum (below key moving averages with negative MACD), while recent corporate updates are broadly positive but include a credit-related provision uptick to monitor.
First Busey (BUSE) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $2.37B
- Dividend Yield
- 3.59%
- Average Volume (3M)
- 771.03K
- Price to Earnings (P/E)
- 11.8
- Beta (1Y)
- 0.72
- Revenue Growth
- 17.34%
- EPS Growth
- 112.83%
- Country
- US
- Employees
- 1,833
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
First Busey Business Overview & Revenue Model
Company Description
First Busey Corporation operates as the parent entity for Busey Bank, delivering a comprehensive suite of banking and financial services throughout the United States. Its diverse clientele includes individual consumers, corporate entities, institutio...
How the Company Makes Money
First Busey makes money primarily through its banking operations, supplemented by fee-based financial services. 1) Net interest income (core banking earnings): The largest driver for most banks is the spread between interest earned on loans and inves...
First Busey Financial Statement Overview
Summary
Above-average fundamentals: strong TTM profitability (operating and net margins ~25%), improving leverage (debt-to-equity down materially), and solid earnings quality with free cash flow close to net income (~0.97x). Offsets include a recent TTM revenue dip and some volatility risk from balance-sheet-driven cash-flow movements.
Income Statement
72PositiveBalance Sheet
78PositiveCash Flow
69Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 924.48M | 1.04B | 662.51M | 600.59M | 486.60M | 431.60M |
| Gross Profit | 606.30M | 666.84M | 452.86M | 438.27M | 445.43M | 418.60M |
| EBITDA | 248.99M | 216.27M | 173.86M | 176.61M | 187.39M | 185.00M |
| Net Income | 229.75M | 135.26M | 113.69M | 122.56M | 128.31M | 123.45M |
Balance Sheet | ||||||
| Total Assets | 18.56B | 18.10B | 12.05B | 12.28B | 12.34B | 12.86B |
| Cash, Cash Equivalents and Short-Term Investments | 4.28B | 181.04M | 1.93B | 2.81B | 2.69B | 4.82B |
| Total Debt | 456.91M | 490.06M | 469.19M | 523.58M | 917.70M | 638.82M |
| Total Liabilities | 16.30B | 15.64B | 10.66B | 11.01B | 11.19B | 11.54B |
| Stockholders Equity | 2.26B | 2.47B | 1.38B | 1.27B | 1.15B | 1.32B |
Cash Flow | ||||||
| Free Cash Flow | 223.37M | 172.95M | 171.84M | 163.86M | 160.80M | 156.97M |
| Operating Cash Flow | 236.41M | 192.57M | 178.27M | 173.39M | 165.79M | 162.01M |
| Investing Cash Flow | 100.74M | 1.10B | 657.90M | 550.99M | -290.86M | -829.19M |
| Financing Cash Flow | 174.26M | -1.69B | -858.09M | -231.96M | -483.86M | 814.74M |
First Busey Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BUSE, the sentiment is Neutral. The current price of 28.94 is below the 20-day moving average (MA) of 29.35, below the 50-day MA of 29.51, and above the 200-day MA of 27.63, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 47.75 is Neutral, neither overbought nor oversold. The STOCH value of 30.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BUSE.
First Busey Risk Analysis
First Busey disclosed 35 risk factors in its most recent earnings report. First Busey reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksFirst Busey Peers Comparison
Overall Rating
FBNC78Outperform
BANR75Outperform
SYBT74Outperform
EFSC72Outperform- BUSE69Neutral
FRME67Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FBNC | 78Outperform | $2.68B | 16.37 | 9.70% | 1.46% | 13.98% | 65.92% |
| BANR | 75Outperform | $2.54B | 11.74 | 10.07% | 2.97% | 1.56% | 7.14% |
| SYBT | 74Outperform | $2.50B | 15.26 | 13.53% | 1.62% | 9.59% | 13.15% |
| EFSC | 72Outperform | $2.23B | 12.46 | 9.35% | 2.14% | 2.12% | -3.12% |
| BUSE | 69Neutral | $2.34B | 11.76 | 9.65% | 3.59% | 17.34% | 112.83% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FRME | 67Neutral | $2.58B | 12.68 | 7.54% | 3.55% | 7.98% | -19.33% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BUSE | First Busey | 28.94 | 6.78 | 30.57% | |
| BANR | Banner Corp. | 69.36 | 9.72 | 16.29% | |
| EFSC | Enterprise Financial Services | 62.53 | 10.80 | 20.88% | |
| FBNC | First Bancorp (FBNC) | 64.98 | 15.81 | 32.16% | |
| FRME | First Merchants | 41.07 | 6.24 | 17.91% | |
| SYBT | Stock Yards Bancorp, Inc. | 79.64 | 13.85 | 21.06% |
First Busey Corporate Events
First Busey Declares Quarterly Preferred Stock Cash Dividend
PositiveOn November 6, 2026, First Busey Corporation declared a quarterly cash dividend of $0.515625 per depositary share on its 8.25% Fixed-Rate Series B Non-Cumulative Perpetual Preferred Stock. The dividend was scheduled to be payable on December 1, 2026,...
First Busey Reports Solid Q3 2026 Earnings Performance
PositiveOn October 27, 2026, First Busey reported third quarter 2026 net income of $55.8 million, or diluted EPS of $0.61, with adjusted EPS of $0.63, as operating revenue held stable at $194.3 million and wealth management revenue rose 15.5% year over year....
First Busey Declares Quarterly Dividend, Signals Ongoing Stability
PositiveOn October 13, 2026, First Busey Corporation declared a quarterly cash dividend of $0.26 per share on its outstanding common stock, continuing its pattern of shareholder distributions. The dividend was scheduled to be paid on October 30, 2026, to sto...
First Busey Declares Quarterly Dividend on Series B Preferred
PositiveOn August 7, 2026, First Busey Corporation declared a quarterly cash dividend of $0.515625 per depositary share on its 8.25% Fixed-Rate Series B Non-Cumulative Perpetual Preferred Stock. The dividend, scheduled to be paid on September 1, 2026, to sha...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 06, 2026