📊 BUSEP Key Takeaways
Is First Busey Corp. /N.V./ (BUSEP) a Good Investment?
First Busey Corp demonstrates solid profitability with a net margin of 18.8% and strong free cash flow generation of $173M, but faces headwinds from a 19.5% YoY revenue decline and deteriorating earnings quality evidenced by the 25.8% EPS decline despite positive net income growth. The bank's conservative leverage profile (0.05x debt/equity) and healthy operating cash flow provide financial stability, though weak interest coverage of 1.9x and declining per-share metrics warrant caution.
First Busey shows solid underlying profitability and healthy cash generation, with positive net income growth and low balance-sheet leverage supporting financial stability. However, the sharp revenue decline, weaker EPS trend, and modest ROE/ROA suggest earnings quality and operating momentum are not strong enough to justify a more bullish fundamental view. The company appears financially sound, but growth quality is mixed and profitability efficiency remains subdued.
Why Buy First Busey Corp. /N.V./ Stock? BUSEP Key Strengths
- Strong free cash flow of $173M with 24% FCF margin demonstrates cash generation capability
- Conservative leverage with 0.05x debt/equity ratio and low long-term debt of $113.8M
- Solid net profit margin of 18.8% and operating margin of 25.9% indicate pricing power
- Operating cash flow of $192.6M covers CapEx 9.8x showing sustainable operations
- Positive net income growth despite lower revenue, indicating some resilience in expense control or balance-sheet mix
- Low debt-to-equity and manageable long-term debt support balance-sheet flexibility
- Strong free cash flow generation relative to revenue provides internal capital support
BUSEP Stock Risks: First Busey Corp. /N.V./ Investment Risks
- Sharp 19.5% YoY revenue decline suggests deteriorating business conditions or competitive headwinds
- EPS down 25.8% YoY despite net income growth indicates significant share dilution or unfavorable tax impacts
- Weak interest coverage ratio of 1.9x leaves limited cushion for debt servicing if conditions worsen
- Low ROA of 0.7% and ROE of 5.5% suggest inefficient asset utilization typical of stressed banks
- Revenue declined 19.5% year over year, signaling weaker top-line momentum
- ROE of 5.5% and ROA of 0.7% are modest for a bank and imply limited capital efficiency
- Interest coverage of 1.9x suggests thinner earnings buffer if funding costs or credit costs worsen
Key Metrics to Watch
- Revenue trajectory and net interest margin trends to confirm stabilization
- EPS growth reconciliation and share dilution rate going forward
- Interest coverage ratio and loan portfolio quality metrics
- Deposit growth and customer retention indicators
- Capital adequacy ratios and regulatory leverage metrics
- Net interest margin and total revenue trend
- ROE/ROA improvement and credit quality metrics
First Busey Corp. /N.V./ (BUSEP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BUSEP Profit Margin, ROE & Profitability Analysis
BUSEP vs Finance Sector: How First Busey Corp. /N.V./ Compares
How First Busey Corp. /N.V./ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Busey Corp. /N.V./ Stock Overvalued? BUSEP Valuation Analysis 2026
Based on fundamental analysis, First Busey Corp. /N.V./ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Busey Corp. /N.V./ Balance Sheet: BUSEP Debt, Cash & Liquidity
BUSEP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Busey Corp. /N.V./'s revenue has grown significantly by 56% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.18 reflects profitable operations.
BUSEP Revenue Growth, EPS Growth & YoY Performance
BUSEP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $118.5M | $32.0M | $0.55 |
| Q2 2025 | $116.2M | $17.4M | $0.22 |
| Q1 2025 | $110.8M | $26.2M | $-0.44 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
First Busey Corp. /N.V./ Dividends, Buybacks & Capital Allocation
BUSEP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Busey Corp. /N.V./ (CIK: 0000314489)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BUSEP
What is the AI rating for BUSEP?
First Busey Corp. /N.V./ (BUSEP) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 69% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BUSEP's key strengths?
Claude: Strong free cash flow of $173M with 24% FCF margin demonstrates cash generation capability. Conservative leverage with 0.05x debt/equity ratio and low long-term debt of $113.8M. ChatGPT: Positive net income growth despite lower revenue, indicating some resilience in expense control or balance-sheet mix. Low debt-to-equity and manageable long-term debt support balance-sheet flexibility.
What are the risks of investing in BUSEP?
Claude: Sharp 19.5% YoY revenue decline suggests deteriorating business conditions or competitive headwinds. EPS down 25.8% YoY despite net income growth indicates significant share dilution or unfavorable tax impacts. ChatGPT: Revenue declined 19.5% year over year, signaling weaker top-line momentum. ROE of 5.5% and ROA of 0.7% are modest for a bank and imply limited capital efficiency.
What is BUSEP's revenue and growth?
First Busey Corp. /N.V./ reported revenue of $719.6M.
Does BUSEP pay dividends?
First Busey Corp. /N.V./ pays dividends, with $91.0M distributed to shareholders in the trailing twelve months.
Where can I find BUSEP SEC filings?
Official SEC filings for First Busey Corp. /N.V./ (CIK: 0000314489) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BUSEP's EPS?
First Busey Corp. /N.V./ has a diluted EPS of $1.47.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BUSEP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Busey Corp. /N.V./ has a HOLD rating with 69% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BUSEP stock overvalued or undervalued?
Valuation metrics for BUSEP: ROE of 5.5% (sector avg: 12%), net margin of 18.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BUSEP stock in 2026?
Our dual AI analysis gives First Busey Corp. /N.V./ a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BUSEP's free cash flow?
First Busey Corp. /N.V./'s operating cash flow is $192.6M, with capital expenditures of $19.6M. FCF margin is 24.0%.
How does BUSEP compare to other Finance stocks?
Vs Finance sector averages: Net margin 18.8% (avg: 25%), ROE 5.5% (avg: 12%), current ratio N/A (avg: 1.2).