First Busey Corporation
NASDAQ•BUSE
CEO: Mr. Van A. Dukeman CFA
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1998-10-06
First Busey Corporation operates as the bank holding company for Busey Bank that engages in the provision of retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. It operates through three segments: Banking, Wealth Management, and FirsTech. The Banking segment provides banking services to individual customers, such as demand and savings deposits, money transfers, safe deposit services, individual retirement accounts and other fiduciary services, automated teller machines, and technology-based networks, as well as loan products, including residential real estate, home equity lines of credit, and consumer loans. This segment also offers banking services to corporate customers, including commercial, commercial real estate, real estate construction, and agricultural loans, as well as cash management services. The Wealth Management segment offers a range of investment and asset management, investment, brokerage, investment strategy consulting, fiduciary, philanthropic advisory, tax preparation, business succession planning, and employee retirement plan services to individuals, businesses, and foundations; and professional farm management services to the agricultural industry. The FirsTech segment provides payment technology solutions comprising online, mobile, and voice-recognition bill payments; money management and credit card networks; direct debit services; lockbox remittance processing for payments made by mail; and walk-in payments, as well as tools to help clients with billing, reconciliation, bill reminders, and treasury services. The company was founded in 1868 and is headquartered in Champaign, Illinois.
Contact Information
Market Cap
$2.13B
P/E (TTM)
16.3
14.2
Dividend Yield
4.1%
52W High
$27.65
52W Low
$18.40
52W Range
Rank41Top 44.9%
4.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$277.79M+67.65%
4-Quarter Trend
EPS
$0.63+28.57%
4-Quarter Trend
FCF
$64.85M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Strong Net Interest Margin Growth Tax-equivalent NIM reached 3.51% in 2025, increasing 56 bps year-over-year, driving Net Income to $135.3M.
Balance Sheet Expanded Via Acquisition Total assets grew 50.3% to $18.10B by year-end 2025, fueled by the March 2025 CrossFirst acquisition.
Robust Capital Adequacy Maintained First Busey CET1 ratio stood at 12.43% as of December 31, 2025, well exceeding regulatory minimums.
Wealth Management Assets Increased Wealth management fees rose 9.1% to $69.4M; assets under care reached $15.66B by year-end 2025.
Risk Factors
Elevated Non-Performing Loans Total NPLs rose to $53.5M, driven by PCD loans assumed in the CrossFirst acquisition; NPL ratio hit 0.39%.
Interest Rate Volatility Pressure Sustained interest rate volatility and yield curve shifts may compress future net interest margin and slow loan demand.
Acquisition Integration Challenges Growing organizational complexity post-CrossFirst merger challenges risk framework capacity for timely adaptation and operational oversight.
Higher Effective Tax Rate Effective tax rate increased to 27.5% in 2025 due to deferred tax asset revaluation following the CrossFirst consolidation.
Outlook
Stabilize Net Interest Income Management focuses on off-balance sheet hedging and core deposit stability to stabilize NIM in lower rate environments.
Continued Credit Quality Focus Expect elevated payoffs and ongoing vigilance required to manage credit quality over asset growth post-merger.
Digital Transformation Investment Must continue investing in technology and digital capabilities to compete with fintech firms and manage AI-related risks.
Monitoring Regulatory Frameworks Monitoring evolving federal banking agency guidance, especially regarding risk management and consumer protection laws.
Peer Comparison
Revenue (TTM)
$2.81B
$1.63B
$1.41B
Gross Margin (Latest Quarter)
78.3%
76.1%
76.1%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| OZK | $5.01B | 6.9 | 11.9% | 1.1% |
| FRME | $2.42B | 9.7 | 9.5% | 5.3% |
| FBNC | $2.31B | 20.7 | 7.0% | 0.6% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
13.9%
Steady Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data