First Busey Corporation Fundamental Analysis (NASDAQ: BUSE)
First Busey Corporation Fundamental Analysis (NASDAQ: BUSE)
First Busey Corporation (NASDAQ: BUSE) shows strong financial fundamentals with a PE ratio of 10.80, profit margin of 24.65%, and ROE of 9.51%. The company generates $0.9B in annual revenue with strong year-over-year growth of 57.56%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 76.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze BUSE's fundamental strength across five key dimensions:
Efficiency Score
WeakBUSE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBUSE trades at attractive valuation levels.
Growth Score
ModerateBUSE shows steady but slowing expansion.
Financial Health Score
ExcellentBUSE maintains a strong and stable balance sheet.
Profitability Score
ModerateBUSE maintains healthy but balanced margins.
Key Financial Metrics
Is BUSE Expensive or Cheap?
P/E Ratio
BUSE trades at 10.80 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BUSE's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values First Busey Corporation at 1.12 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 15.78 times EBITDA. This signals the market has high growth expectations.
How Well Does BUSE Make Money?
Net Profit Margin
For every $100 in sales, First Busey Corporation keeps $24.65 as profit after all expenses.
Operating Margin
Core operations generate 16.52 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.51 in profit for every $100 of shareholder equity.
ROA
First Busey Corporation generates $1.27 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
First Busey Corporation produces operating cash flow of $216.03M, showing steady but balanced cash generation.
Free Cash Flow
First Busey Corporation generates strong free cash flow of $196.98M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.33 in free cash annually.
FCF Yield
BUSE converts 8.16% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.80
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.12
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.71
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.78
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How BUSE Stacks Against Its Sector Peers
| Metric | BUSE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.80 | 21.07 | Better (Cheaper) |
| ROE | 9.51% | 647.00% | Weak |
| Net Margin | 24.65% | -1593.00% (disorted) | Strong |
| Debt/Equity | 0.19 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 3.78 | 911.99 | Strong Liquidity |
| ROA | 1.27% | -578.00% (disorted) | Weak |
BUSE outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews First Busey Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
43.63%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-17.49%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-27.76%
Industry Style: Value, Dividend, Cyclical
Declining