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$28.23$2.4B
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BUSE logoFirst Busey Corporation(BUSE)Earnings, Financials & Key Ratios

BUSE•NASDAQ•Banking & Credit
19.0× P/E·Price updated Jun 17, 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%

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 3.6%
  • ✓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.

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BUSE Price & Volume

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

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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 9/12 qtrs (75%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.67+17.5%
$0.57
Rev
$197M+0.0%
$197M
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.68+11.5%
$0.61
Rev
$201M+1.6%
$198M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.64+4.7%
$0.61
Rev
$196M+0.2%
$196M
Q3 2025
Jul 22, 2025
Metric
Actual
Est
EPS
$0.63+3.3%
$0.61
Rev
$198M+1.0%
$196M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.67vs $0.57+17.5%
$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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MBWM logoMBWMMercantile Bank CorporationDirect Competitor920.03M53.269.752.74%23.87%13.54%1.14
FULT logoFULTFulton Financial CorporationDirect Competitor4.37B22.6910.915.03%20.7%11.6%0.37
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.42B46.3513.9210.36%18.76%9.51%0.17
BANF logoBANFBancFirst CorporationDirect Competitor3.75B110.6715.54-9.29%29.19%13.68%0.07
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.67B32.5718.4011.71%30.71%14.16%0.01
WTFC logoWTFCWintrust Financial CorporationProduct Competitor10.38B153.9213.316.66%19.48%11.71%0.62
HBAN logoHBANHuntington Bancshares IncorporatedProduct Competitor26.67B16.8512.124.38%17.71%10.04%0.76
CBSH logoCBSHCommerce Bancshares, Inc.Product Competitor8.04B54.7213.412.23%26.47%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
203.37M241.41M287.22M282.94M270.7M323.44M319.45M321.76M569.61M
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 Income
224.3M286.03M356.23M326.6M298.8M359.99M479.37M522.83M893.86M
Interest Expense
20.94M44.63M69.01M43.66M28.1M36.55M159.92M201.07M324.25M
Loan Loss Provision
5.3M4.43M10.41M38.8M-15.1M4.62M2.4M8.59M52.74M
Non-Interest Income
84.47M89.99M116.42M118.27M132.8M126.61M121.21M139.68M149.97M
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 Expense
174.43M193.04M258.79M234.2M261.78M283.88M284.36M299.55M480.2M
Efficiency Ratio
56.49%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 Tax
45.38M35M31.48M27.86M33.37M33.43M31.34M39.61M51.38M
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 Outstanding
43.13M49.22M55.13M54.83M56.01M56.14M56.26M57.54M89.14M

BUSE Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
1.23B937.66M2.18B2.95B4.82B2.69B2.81B1.93B181.04M
Cash & Due from Banks
347.63M239.97M529.29M688.54M836.1M227.16M719.58M697.66M181.04M
Short Term Investments
872.68M697.68M1.65B2.26B3.98B2.46B2.09B1.23B0
Total Investments
6.88B6.86B8.36B9.02B11.12B11.03B10.53B10.27B16.71B
Investments Growth %
40.6%-0.38%21.88%7.97%23.24%-0.84%-4.49%-2.48%62.72%
Long-Term Investments
6.01B6.16B6.71B6.76B7.14B8.57B8.44B9.04B16.71B
Accounts Receivables
000000000
Goodwill & Intangibles
308.07M300.56M373.13M363.52M375.92M364.3M353.86M365.98M480.73M
Goodwill
269.35M267.69M311.54M311.54M317.87M317.87M317.87M333.69M383.28M
Intangible Assets
38.73M32.87M61.59M51.98M58.05M46.42M35.99M32.28M97.45M
PP&E (Net)
116.91M117.67M160.76M142.91M146.68M139.35M133.62M129.43M193.44M
Other Assets
188.35M176.53M276.15M326.43M381.18M579.28M544.66M583.61M430.67M
Total Current Assets
1.23B937.66M2.18B2.95B4.82B2.69B2.81B1.93B252.83M
Total Non-Current Assets
6.64B6.76B7.52B7.59B8.04B9.65B9.48B10.12B17.85B
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 Payable
000000000
Total Debt
749.69M405.64M477.42M486.29M638.82M917.7M523.58M469.19M490.06M
Net Debt
402.06M165.66M-51.86M-202.25M-197.28M690.54M-196M-228.47M309.01M
Long-Term Debt
225.13M219.84M253.83M298.26M340.41M323.85M312.88M302.54M284.31M
Short-Term Debt
524.57M185.8M214.04M180.27M287.82M580.86M199.4M155.61M173.18M
Other Liabilities
49.98M52.44M95.47M109.84M133.18M201.72M196.7M211.78M11.52B
Total Current Liabilities
6.65B6.44B8.12B8.86B11.06B10.65B10.49B10.14B3.83B
Total Non-Current Liabilities
275.11M272.28M358.86M415.86M484.18M538.56M520.88M525.35M11.81B
Total Liabilities
6.94B6.71B8.51B9.27B11.54B11.19B11.01B10.66B15.64B
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 Share
21.6820.2222.1423.1723.5520.4122.6124.0427.70
Tangible BV per Share
14.5414.1115.3716.5316.8413.9216.3217.6822.30
Common Stock
49K49K56K56K58K58K58K60K93K
Additional Paid-in Capital
1.08B1.08B1.25B1.25B1.32B1.32B1.32B1.36B2.38B
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 Stock
000000000

BUSE Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
253.36M202.55M88.32M163.17M162.01M165.79M173.39M178.27M192.57M
Operating CF Growth %
1312.59%-20.05%-56.39%84.75%-0.71%2.33%4.59%2.81%8.02%
Net Income
62.73M98.93M102.95M100.34M123.45M128.31M122.56M113.69M135.26M
Depreciation & Amortization
15.37M16.94M24.14M27.95M28.18M25.65M22.7M20.56M30.2M
Deferred Taxes
14.1M7.12M1.3M-3M10.23M5.06M6.08M1.38M8.07M
Other Non-Cash Items
156.03M67.13M-36.69M49.62M17.1M55.11M24.45M29M45.52M
Working Capital Changes
2.38M8.71M-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 Investments
344.33M337.65M785.02M680.34M1.17B555.67M491.87M546.26M1.09B
Net Investment Activity
-150.04M-4.35M375.53M-614.99M-1.14B260.76M474.81M333.24M538.56M
Acquisitions
26.98M0-61.48M0228.28M0018.38M385.8M
Other Investing
-155.81M-39.38M-243.37M-108.92M90.35M-546.63M85.71M312.72M192.82M
Cash from Financing
227.06M-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 Repurchases
00-24.29M-12.27M-33.04M-9.91M-4.48M0-69.86M
Stock Issued
000000001.39M
Net Stock Activity
00-24.29M-12.27M-33.04M-9.91M-4.48M0-68.47M
Debt Issuance (Net)
1000K-1000K1000K1000K1000K1000K-1000K-1000K-1000K
Other Financing
138.95M4.01M183.69M745.98M844.2M-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 Effect
000000000
Cash at Beginning
166.71M353.27M239.97M529.29M688.54M836.1M227.16M719.58M697.66M
Cash at End
353.27M239.97M529.29M688.54M836.1M227.16M719.58M697.66M294.05M
Interest Paid
19.34M40.64M70.58M53.6M25.37M35.3M135.48M208.36M320.01M
Income Taxes Paid
26.42M23.18M24.73M22.2M22.49M30.68M25.41M12.91M20.91M
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 Margin
2.85%2.59%3.13%2.96%2.68%2.11%2.62%2.6%2.67%3.15%
Efficiency Ratio
61.59%56.49%51.34%54.75%52.64%60.65%58.34%47.35%45.21%46%
Equity / Assets
10.95%11.89%12.92%12.59%12.05%10.26%9.29%10.36%11.48%13.64%
Book Value / Share
16.7821.6820.2222.1423.1723.5520.4122.6124.0427.7
NII Growth
38.32%31.49%18.71%18.98%-1.49%-4.32%19.48%-1.23%0.72%77.03%
Dividend Payout
45.78%48.95%39.43%43.88%47.85%41.12%39.64%43.3%47.65%67.27%
Related:BUSE Dividend History·BUSE Revenue History·BUSE Price History·BUSE P/E History·BUSE Financial Ratios·BUSE Institutional Holders

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 3.65%. 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.

What if you invested $1,000 in BUSE back in 1996?

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