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BUSE logoFirst Busey Corporation(BUSE)Earnings, Financials & Key Ratios

BUSE•NASDAQ•Banking & Credit
$26.73
$2.29B mkt cap·18.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutFirst Busey Corporation operates as the bank holding company for Busey Bank that provides retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. The company operates through three segments: Banking, FirsTech, and Wealth Management. It offers customary types of demand and savings deposits; and commercial, agricultural, real estate construction, commercial and residential real estate, and consumer loans, as well as home equity lines of credit. The company also provides money transfer, safe deposit, IRA, and other fiduciary services through banking center, ATM and technology-based networks. In addition, it offers investment management, trust, estate advisory, and financial planning services, as well as business succession and employee retirement planning services; investment strategy consulting and fiduciary services; and security brokerage services. Further, the company provides asset management, philanthropic advisory, tax preparation, and professional farm management services; and commercial depository services, such as cash management services. Additionally, it offers payment technology solutions through its payment platform, such as walk-in payment processing for customers at retail pay agents; online bill payment solutions; customer service payments accepted over the telephone; mobile bill pay; direct debit services; electronic concentration of payments delivered to automated clearing house network; money management and credit card networks; and lockbox remittance processing to make payments by mail, as well as provides tools related to billing, reconciliation, bill reminders, and treasury services. The company has 46 banking centers in Illinois; 8 in Missouri; 3 in southwest Florida; and 1 in Indianapolis, Indiana. First Busey Corporation was founded in 1868 and is headquartered in Champaign, Illinois.Show more
  • Net Interest Income$570M+77.0%
  • Total Revenue$1.04B+57.6%
  • Net Income$135M+19.0%
  • Return on Equity7.02%-18.0%
  • Net Interest Margin3.15%+17.8%
  • Efficiency Ratio46%+1.7%
  • ROA0.9%-4.0%
  • Equity / Assets13.64%+18.8%
  • Book Value per Share27.70+15.2%
  • Tangible BV/Share22.30+26.2%
  • Debt/Equity0.20-41.5%
Technical→

BUSE Key Insights

First Busey Corporation (BUSE) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 46.0% efficiency ratio
  • ✓Well capitalized: 13.6% equity/assets
  • ✓Healthy dividend yield of 3.8%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.0x book value

✗Weaknesses

  • ✗Shares diluted 54.9% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BUSE Price & Volume

First Busey Corporation (BUSE) stock price & volume — 10-year historical chart

Loading chart...

BUSE Growth Metrics

First Busey Corporation (BUSE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.03%
5 Years18.6%
3 Years28.97%
TTM-

Profit CAGR

10 Years13.24%
5 Years6.15%
3 Years1.77%
TTM18.97%

EPS CAGR

10 Years1.08%
5 Years-4.29%
3 Years-13.74%
TTM-16.24%

Return on Capital

10 Years8.82%
5 Years7.54%
3 Years6.48%
Last Year2.31%

BUSE Recent Earnings

First Busey Corporation (BUSE) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 28, 2026
EPS
$0.56
Est $0.57
-1.8%
Revenue
$197M
Est $197M
+0.0%
Q1 2026
Jan 27, 2026
EPS
$0.68
Est $0.61
+11.5%
Revenue
$201M
Est $198M
+1.6%
Q4 2025
Oct 28, 2025
EPS
$0.64
Est $0.61
+4.7%
Revenue
$196M
Est $196M
+0.2%
Q3 2025
Jul 22, 2025
EPS
$0.63
Est $0.61
+3.3%
Revenue
$198M
Est $196M
+1.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.56vs $0.57-1.8%
$197Mvs $197M+0.0%
Q1 2026Jan 27, 2026
$0.68vs $0.61+11.5%
$201Mvs $198M+1.6%
Q4 2025Oct 28, 2025
$0.64vs $0.61+4.7%
$196Mvs $196M+0.2%
Q3 2025Jul 22, 2025
$0.63vs $0.61+3.3%
$198Mvs $196M+1.0%
Based on last 12 quarters of dataView full earnings history →

BUSE Peer Comparison

First Busey Corporation (BUSE) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MBWM logoMBWMMercantile Bank CorporationDirect Competitor901.38M52.189.562.74%13.54%1.14
FULT logoFULTFulton Financial CorporationDirect Competitor4.19B21.7910.485.03%11.6%0.37
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
BANF logoBANFBancFirst CorporationDirect Competitor3.8B114.5117.7812.28%13.33%0.05
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
WTFC logoWTFCWintrust Financial CorporationProduct Competitor10.27B153.2813.266.66%11.35%0.62
HBAN logoHBANHuntington Bancshares IncorporatedProduct Competitor26.34B16.6411.974.38%10.04%0.76
CBSH logoCBSHCommerce Bancshares, Inc.Product Competitor7.71B52.5312.872.23%15.34%0.79

Compare BUSE vs Peers

First Busey Corporation (BUSE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MBWM

Most directly comparable listed peer for BUSE.

Scale Benchmark

vs V

Larger-name benchmark to compare BUSE against a more recognizable public peer.

Peer Set

Compare Top 5

vs MBWM, FULT, NBTB, BANF

BUSE Income Statement

First Busey Corporation (BUSE) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income203.37M241.41M287.22M282.94M270.7M323.44M319.45M321.76M569.61M
NII Growth %31.49%18.71%18.98%-1.49%-4.32%19.48%-1.23%0.72%77.03%
Net Interest Margin %2.59%3.13%2.96%2.68%2.11%2.62%2.6%2.67%3.15%
Interest Income224.3M286.03M356.23M326.6M298.8M359.99M479.37M522.83M893.86M
Interest Expense20.94M44.63M69.01M43.66M28.1M36.55M159.92M201.07M324.25M
Loan Loss Provision5.3M4.43M10.41M38.8M-15.1M4.62M2.4M8.59M52.74M
Non-Interest Income84.47M89.99M116.42M118.27M132.8M126.61M121.21M139.68M149.97M
Non-Interest Income %27.36%23.93%24.63%26.58%30.77%26.02%20.18%21.08%14.37%
Total Revenue
308.78M▲ 0%
376.03M▲ 21.8%
472.65M▲ 25.7%
444.86M▼ 5.9%
431.6M▼ 3.0%
486.6M▲ 12.7%
600.59M▲ 23.4%
662.51M▲ 10.3%
1.04B▲ 57.6%
Revenue Growth %28.63%21.78%25.7%-5.88%-2.98%12.74%23.43%10.31%57.56%
Non-Interest Expense174.43M193.04M258.79M234.2M261.78M283.88M284.36M299.55M480.2M
Efficiency Ratio56.49%51.34%54.75%52.64%60.65%58.34%47.35%45.21%46%
Operating Income
108.11M▲ 0%
133.93M▲ 23.9%
134.44M▲ 0.4%
128.21M▼ 4.6%
156.82M▲ 22.3%
161.74M▲ 3.1%
153.9M▼ 4.8%
153.3M▼ 0.4%
186.64M▲ 21.7%
Operating Margin %35.01%35.62%28.44%28.82%36.33%33.24%25.63%23.14%17.88%
Operating Income Growth %41.48%23.88%0.38%-4.64%22.32%3.13%-4.84%-0.39%21.75%
Pretax Income
108.11M▲ 0%
133.93M▲ 23.9%
134.44M▲ 0.4%
128.21M▼ 4.6%
156.82M▲ 22.3%
161.74M▲ 3.1%
153.9M▼ 4.8%
153.3M▼ 0.4%
186.64M▲ 21.7%
Pretax Margin %35.01%35.62%28.44%28.82%36.33%33.24%25.63%23.14%17.88%
Income Tax45.38M35M31.48M27.86M33.37M33.43M31.34M39.61M51.38M
Effective Tax Rate %41.98%26.13%23.42%21.73%21.28%20.67%20.36%25.84%27.53%
Net Income
62.73M▲ 0%
98.93M▲ 57.7%
102.95M▲ 4.1%
100.34M▼ 2.5%
123.45M▲ 23.0%
128.31M▲ 3.9%
122.56M▼ 4.5%
113.69M▼ 7.2%
135.26M▲ 19.0%
Net Margin %20.31%26.31%21.78%22.56%28.6%26.37%20.41%17.16%12.96%
Net Income Growth %26.22%57.71%4.07%-2.53%23.03%3.94%-4.48%-7.24%18.97%
Net Income (Continuing)62.73M98.93M102.95M100.34M123.45M128.31M122.56M113.69M135.26M
EPS (Diluted)
1.45▲ 0%
2.01▲ 38.6%
1.87▼ 7.0%
1.83▼ 2.1%
2.20▲ 20.2%
2.29▲ 4.1%
2.18▼ 4.8%
1.98▼ 9.2%
1.47▼ 25.8%
EPS Growth %3.57%38.62%-6.97%-2.14%20.22%4.09%-4.8%-9.17%-25.76%
EPS (Basic)1.472.021.881.842.232.322.212.011.49
Diluted Shares Outstanding43.13M49.22M55.13M54.83M56.01M56.14M56.26M57.54M89.14M

BUSE Balance Sheet

First Busey Corporation (BUSE) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments1.23B937.66M2.18B2.95B4.82B2.69B2.81B1.93B181.04M
Cash & Due from Banks347.63M239.97M529.29M688.54M836.1M227.16M719.58M697.66M181.04M
Short Term Investments872.68M697.68M1.65B2.26B3.98B2.46B2.09B1.23B0
Total Investments6.88B6.86B8.36B9.02B11.12B11.03B10.53B10.27B16.71B
Investments Growth %40.6%-0.38%21.88%7.97%23.24%-0.84%-4.49%-2.48%62.72%
Long-Term Investments6.01B6.16B6.71B6.76B7.14B8.57B8.44B9.04B16.71B
Accounts Receivables000000000
Goodwill & Intangibles308.07M300.56M373.13M363.52M375.92M364.3M353.86M365.98M480.73M
Goodwill269.35M267.69M311.54M311.54M317.87M317.87M317.87M333.69M383.28M
Intangible Assets38.73M32.87M61.59M51.98M58.05M46.42M35.99M32.28M97.45M
PP&E (Net)116.91M117.67M160.76M142.91M146.68M139.35M133.62M129.43M193.44M
Other Assets188.35M176.53M276.15M326.43M381.18M579.28M544.66M583.61M430.67M
Total Current Assets1.23B937.66M2.18B2.95B4.82B2.69B2.81B1.93B252.83M
Total Non-Current Assets6.64B6.76B7.52B7.59B8.04B9.65B9.48B10.12B17.85B
Total Assets
7.86B▲ 0%
7.7B▼ 2.0%
9.7B▲ 25.9%
10.54B▲ 8.7%
12.86B▲ 22.0%
12.34B▼ 4.1%
12.28B▼ 0.4%
12.05B▼ 1.9%
18.1B▲ 50.3%
Asset Growth %44.89%-2.01%25.88%8.75%21.96%-4.07%-0.43%-1.93%50.29%
Return on Assets (ROA)0.94%1.27%1.18%0.99%1.05%1.02%1%0.93%0.9%
Accounts Payable000000000
Total Debt749.69M405.64M477.42M486.29M638.82M917.7M523.58M469.19M490.06M
Net Debt402.06M165.66M-51.86M-202.25M-197.28M690.54M-196M-228.47M309.01M
Long-Term Debt225.13M219.84M253.83M298.26M340.41M323.85M312.88M302.54M284.31M
Short-Term Debt524.57M185.8M214.04M180.27M287.82M580.86M199.4M155.61M173.18M
Other Liabilities49.98M52.44M95.47M109.84M133.18M201.72M196.7M211.78M11.52B
Total Current Liabilities6.65B6.44B8.12B8.86B11.06B10.65B10.49B10.14B3.83B
Total Non-Current Liabilities275.11M272.28M358.86M415.86M484.18M538.56M520.88M525.35M11.81B
Total Liabilities6.94B6.71B8.51B9.27B11.54B11.19B11.01B10.66B15.64B
Total Equity
935M▲ 0%
994.96M▲ 6.4%
1.22B▲ 22.7%
1.27B▲ 4.1%
1.32B▲ 3.9%
1.15B▼ 13.1%
1.27B▲ 11.0%
1.38B▲ 8.7%
2.47B▲ 78.5%
Equity Growth %57.32%6.41%22.66%4.07%3.86%-13.13%11%8.75%78.49%
Equity / Assets (Capital Ratio)11.89%12.92%12.59%12.05%10.26%9.29%10.36%11.48%13.64%
Return on Equity (ROE)8.2%10.25%9.29%8.06%9.54%10.41%10.14%8.56%7.02%
Book Value per Share21.6820.2222.1423.1723.5520.4122.6124.0427.70
Tangible BV per Share14.5414.1115.3716.5316.8413.9216.3217.6822.30
Common Stock49K49K56K56K58K58K58K60K93K
Additional Paid-in Capital1.08B1.08B1.25B1.25B1.32B1.32B1.32B1.36B2.38B
Retained Earnings-132.12M-72.17M-14.81M20.83M92.46M168.77M237.2M294.05M336.71M
Accumulated OCI-2.81M-6.81M14.96M33.31M-23.76M-273.28M-218.8M-207.04M-124.47M
Treasury Stock-15M-6.19M-27.98M-37.49M-66.64M-70.55M-70.07M-64.34M-118.86M
Preferred Stock000000000

BUSE Cash Flow Statement

First Busey Corporation (BUSE) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations253.36M202.55M88.32M163.17M162.01M165.79M173.39M178.27M192.57M
Operating CF Growth %1312.59%-20.05%-56.39%84.75%-0.71%2.33%4.59%2.81%8.02%
Net Income62.73M98.93M102.95M100.34M123.45M128.31M122.56M113.69M135.26M
Depreciation & Amortization15.37M16.94M24.14M27.95M28.18M25.65M22.7M20.56M30.2M
Deferred Taxes14.1M7.12M1.3M-3M10.23M5.06M6.08M1.38M8.07M
Other Non-Cash Items156.03M67.13M-36.69M49.62M17.1M55.11M24.45M29M45.52M
Working Capital Changes2.38M8.71M-7.37M-18.87M-24.8M-57.31M-9M5.91M-43.61M
Cash from Investing-293.85M-55.35M57.44M-729.54M-829.19M-290.86M550.99M657.9M1.1B
Purchase of Investments-494.36M-342M-409.49M-1.3B-2.31B-294.9M-17.05M-213.03M-547.2M
Sale/Maturity of Investments344.33M337.65M785.02M680.34M1.17B555.67M491.87M546.26M1.09B
Net Investment Activity-150.04M-4.35M375.53M-614.99M-1.14B260.76M474.81M333.24M538.56M
Acquisitions26.98M0-61.48M0228.28M0018.38M385.8M
Other Investing-155.81M-39.38M-243.37M-108.92M90.35M-546.63M85.71M312.72M192.82M
Cash from Financing227.06M-260.5M143.56M725.61M814.74M-483.86M-231.96M-858.09M-1.69B
Dividends Paid-30.71M-39.01M-45.17M-48.01M-50.76M-50.86M-53.08M-54.17M-90.99M
Share Repurchases00-24.29M-12.27M-33.04M-9.91M-4.48M0-69.86M
Stock Issued000000001.39M
Net Stock Activity00-24.29M-12.27M-33.04M-9.91M-4.48M0-68.47M
Debt Issuance (Net)1000K-1000K1000K1000K1000K1000K-1000K-1000K-1000K
Other Financing138.95M4.01M183.69M745.98M844.2M-738.5M176.65M-736.47M-1.64B
Net Change in Cash
186.57M▲ 0%
-113.3M▼ 160.7%
289.31M▲ 355.4%
159.25M▼ 45.0%
147.56M▼ 7.3%
-608.93M▼ 512.7%
492.42M▲ 180.9%
-21.92M▼ 104.5%
-403.61M▼ 1741.1%
Exchange Rate Effect000000000
Cash at Beginning166.71M353.27M239.97M529.29M688.54M836.1M227.16M719.58M697.66M
Cash at End353.27M239.97M529.29M688.54M836.1M227.16M719.58M697.66M294.05M
Interest Paid19.34M40.64M70.58M53.6M25.37M35.3M135.48M208.36M320.01M
Income Taxes Paid26.42M23.18M24.73M22.2M22.49M30.68M25.41M12.91M20.91M
Free Cash Flow
238.38M▲ 0%
190.93M▼ 19.9%
75.08M▼ 60.7%
158.98M▲ 111.7%
156.97M▼ 1.3%
160.8M▲ 2.4%
163.86M▲ 1.9%
171.84M▲ 4.9%
173.76M▲ 1.1%
FCF Growth %897.65%-19.9%-60.68%111.74%-1.26%2.44%1.9%4.87%1.12%

BUSE Banking Ratios

First Busey Corporation (BUSE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)10.27%8.2%10.25%9.29%8.06%9.54%10.41%10.14%8.56%7.02%
Return on Assets (ROA)1.05%0.94%1.27%1.18%0.99%1.05%1.02%1%0.93%0.9%
Net Interest Margin2.85%2.59%3.13%2.96%2.68%2.11%2.62%2.6%2.67%3.15%
Efficiency Ratio61.59%56.49%51.34%54.75%52.64%60.65%58.34%47.35%45.21%46%
Equity / Assets10.95%11.89%12.92%12.59%12.05%10.26%9.29%10.36%11.48%13.64%
Book Value / Share16.7821.6820.2222.1423.1723.5520.4122.6124.0427.7
NII Growth38.32%31.49%18.71%18.98%-1.49%-4.32%19.48%-1.23%0.72%77.03%
Dividend Payout45.78%48.95%39.43%43.88%47.85%41.12%39.64%43.3%47.65%67.27%

BUSE SEC Filings & Documents

First Busey Corporation (BUSE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Apr 14, 2026·SEC

Material company update

Feb 3, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 26, 2026·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 9, 2025·SEC

BUSE Frequently Asked Questions

First Busey Corporation (BUSE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Busey Corporation (BUSE) grew revenue by 57.6% over the past year. This is strong growth.

Yes, First Busey Corporation (BUSE) is profitable, generating $135.3M in net income for fiscal year 2025 (13.0% net margin).

Dividend & Returns

Yes, First Busey Corporation (BUSE) pays a dividend with a yield of 3.82%. This makes it attractive for income-focused investors.

First Busey Corporation (BUSE) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.

Industry Metrics

First Busey Corporation (BUSE) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

First Busey Corporation (BUSE) has an efficiency ratio of 46.0%. This is excellent, indicating strong cost control.

Explore More BUSE

First Busey Corporation (BUSE) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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