First Busey Corporation (BUSE) AI Stock Analysis

First Busey Corporation operates as the bank holding company for Busey Bank, serving retail, commercial, institutional, and governmental clients across the United States. Founded in 1868 and based in Champaign, Illinois, the company operates across three segments: Banking, FirsTech, and Wealth Management. Its services range from traditional banking to advanced payment technology platforms. First Busey has also ventured into cryptocurrency to incorporate digital assets into its services, aiming to improve payment technology solutions, optimize transaction efficiency, expand accessibility, and use blockchain technology to improve transaction security and transparency.

First Busey generated revenue of $1.04B in FY2025, rising 57.6% from $662.5M in FY2024 and $50.8M in FY2023. Over the five years from FY2020 to FY2025, revenue achieved a compound annual growth rate of 18.6%. Operating margin was 17.9% in FY2025, down from 23.1% in FY2024 and 36.3% in FY2021. Net income reached $135.3M in FY2025 with EPS of $2.52. For the trailing twelve months ended June 30, 2026, revenue stood at $782.9M with a net profit margin of 29.5%. In the latest quarter ended June 30, 2026, quarterly revenue fell 0.9% year-over-year while quarterly earnings grew 32.7%.

As of June 30, 2026, First Busey held $665.4M in cash and short-term investments against total debt of $464.2M, resulting in a net cash position of $201.2M. Total assets stood at $18.19B and shareholders' equity was $2.38B. The company recorded a current ratio of 3.78 and a debt-to-equity ratio of 0.19. In FY2025, operating cash flow was $192.6M and free cash flow was $173.8M. Cash deployment during FY2025 included $19.6M for capital expenditures, $69.9M for share buybacks, and $91.0M for dividends paid.

BUSE shares trade at a trailing P/E of 12.2x and a forward P/E of 10.4x, compared to medians of 12.1x and 10.8x for US-listed Financial Services peers. The stock's price-to-sales ratio is 3.1x against the peer median of 3.2x, while price-to-book stands at 1.0x. Over the past year, First Busey delivered a 38.0% return compared to 16.8% for the S&P 500 (SPY). Over a 5-year period, the stock gained 40.8% while the S&P 500 gained 83.0%.

First Busey pays a forward annual dividend of $1.04 per share, providing a 3.54% yield with a payout ratio of 38.8%. Dividends are distributed quarterly and have been paid for 32 consecutive years. The dividend has recorded an annualized 5-year growth rate of 2.6%, with the last ex-dividend date on October 23, 2026.

Wall Street coverage includes 1 Strong Buy, 2 Buys, and 4 Holds, with no Sell ratings. The mean price target is $32.43, representing a 10.2% premium over the last close of $29.43. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.69 on revenue of $785.4M. For FY2027, 7 analysts project EPS of $2.74 and revenue of $801.8M. First Busey beat EPS estimates in all 4 of the last 4 quarters, with the next earnings date scheduled for October 27, 2026.

This page is an AI-written research summary of First Busey Corporation (BUSE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BUSE income statement, BUSE balance sheet, BUSE key metrics, BUSE analyst forecast, BUSE chart. See the BUSE stock overview for the latest quote and news.