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First Busey (BUSE) Financials

First Busey logo
$24.70 +0.01 (+0.04%)
Closing price 04:00 PM Eastern
Extended Trading
$24.44 -0.26 (-1.05%)
As of 07:00 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for First Busey

Annual Income Statements for First Busey

This table shows First Busey's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 32 38 50 63 99 103 100 123 128 123 114
Consolidated Net Income / (Loss)		 33 39 50 63 99 103 100 123 128 123 114
Net Income / (Loss) Continuing Operations		 33 39 50 63 99 103 100 123 128 123 114
Total Pre-Tax Income 		50 60 76 108 134 134 128 157 162 154 153
Total Revenue		 161 177 230 288 331 404 401 404 450 442 462
Net Interest Income / (Expense)		 102 112 155 203 241 287 283 271 324 321 323
Total Interest Income		 108 118 165 224 286 356 327 299 360 481 524
Loans and Leases Interest Income		 92 100 148 203 251 304 285 252 287 386 426
Investment Securities Interest Income		 16 18 17 20 32 46 40 46 70 84 75
Other Interest Income		 - - - 1.44 2.49 6.32 1.72 1.15 3.10 11 22
Total Interest Expense		 6.50 6.21 10 21 45 69 44 28 37 160 201
Deposits Interest Expense		 5.12 4.76 7.07 13 33 55 31 13 16 124 178
Short-Term Borrowings Interest Expense		 - 0.01 0.64 1.10 1.54 1.04 0.23 0.28 1.65 13 0.70
Long-Term Debt Interest Expense		 1.19 1.26 2.13 5.93 8.86 11 12 15 17 18 18
Federal Funds Purchased and Securities Sold Interest Expense		 0.19 0.18 0.39 0.98 1.63 2.35 0.66 0.23 1.48 5.20 4.31
Total Non-Interest Income		 59 65 75 84 90 116 118 133 127 121 140
Other Service Charges		 20 3.59 4.34 5.31 6.19 8.05 8.36 10 123 10 14
Net Realized & Unrealized Capital Gains on Investments		 6.92 7.55 13 12 5.88 12 14 10 -0.24 -1.11 3.70
Other Non-Interest Income		 9.42 30 58 67 78 97 96 112 3.66 112 122
Provision for Credit Losses		 2.00 1.60 5.55 5.30 4.43 10 39 -15 4.62 2.40 8.59
Total Non-Interest Expense		 108 115 148 174 193 259 234 262 284 286 300
Salaries and Employee Benefits		 61 64 78 96 108 140 127 145 159 163 176
Net Occupancy & Equipment Expense		 24 27 36 38 38 49 44 49 48 49 53
Property & Liability Insurance Claims		 - - - - - - - 3.08 4.06 5.65 5.60
Other Operating Expenses		 20 22 29 36 41 60 54 54 61 58 56
Amortization Expense		 2.88 3.19 4.44 5.25 5.85 9.55 10 11 12 10 10
Income Tax Expense		 18 21 27 45 35 31 28 33 33 31 40
Basic Earnings per Share		 $1.11 $1.32 $1.42 $1.47 $2.02 $1.88 $1.84 $2.23 $2.32 $2.21 $2.01
Weighted Average Basic Shares Outstanding		 28.97M 28.93M 35.08M 42.69M 48.85M 54.54M 54.40M 55.29M 55.29M 55.25M 56.96M
Diluted Earnings per Share		 $1.10 $1.32 $1.40 $1.45 $2.01 $1.87 $1.83 $2.20 $2.29 $2.18 $1.98
Weighted Average Diluted Shares Outstanding		 28.97M 28.93M 35.08M 42.69M 48.85M 54.54M 54.40M 55.29M 55.29M 55.25M 56.96M
Weighted Average Basic & Diluted Shares Outstanding		 28.97M 28.93M 35.08M 42.69M 48.85M 54.54M 54.40M 55.29M 55.29M 55.25M 56.96M
Cash Dividends to Common per Share		 $0.57 $0.62 $0.68 $0.72 $0.80 $0.84 $0.88 $0.92 $0.92 $0.96 $0.96

Quarterly Income Statements for First Busey

This table shows First Busey's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 34 37 29 31 26 26 27 32 28 -30 47
Consolidated Net Income / (Loss)		 34 37 29 31 26 26 27 32 28 -30 47
Net Income / (Loss) Continuing Operations		 34 37 29 31 26 26 27 32 28 -30 47
Total Pre-Tax Income 		46 46 37 37 33 35 38 43 37 -33 65
Total Revenue		 120 118 107 109 109 111 116 118 117 125 198
Net Interest Income / (Expense)		 91 86 79 78 78 76 83 83 82 104 153
Total Interest Income		 106 111 117 123 130 126 132 135 132 167 247
Loans and Leases Interest Income		 85 90 95 100 101 99 110 111 106 140 214
Investment Securities Interest Income		 20 20 21 21 22 20 19 18 18 20 26
Other Interest Income		 1.38 0.99 1.31 1.59 6.64 6.47 3.03 5.09 7.85 7.58 7.46
Total Interest Expense		 15 25 38 45 52 50 49 52 50 63 94
Deposits Interest Expense		 8.28 15 27 37 45 44 44 47 44 57 88
Short-Term Borrowings Interest Expense		 1.22 4.82 5.74 1.96 0.25 0.23 0.42 0.03 0.03 0.07 0.50
Long-Term Debt Interest Expense		 4.43 4.46 4.50 4.52 4.48 4.39 4.24 4.32 4.65 4.83 4.73
Federal Funds Purchased and Securities Sold Interest Expense		 0.81 1.22 1.22 1.33 1.43 1.37 1.04 0.98 0.92 0.88 0.89
Total Non-Interest Income		 29 32 28 31 30 35 34 36 35 21 45
Other Service Charges		 86 3.59 29 3.02 -25 3.34 2.13 4.79 3.76 35 3.24
Net Realized & Unrealized Capital Gains on Investments		 0.39 -0.33 -1.79 0.03 0.98 1.84 0.40 1.16 0.30 -15 6.77
Other Non-Interest Income		 -57 29 1.03 28 55 30 31 30 31 1.45 35
Provision for Credit Losses		 0.86 0.95 0.63 0.36 0.46 5.04 1.91 0.00 1.27 42 5.70
Total Non-Interest Expense		 74 70 69 71 75 71 76 76 78 115 128
Salaries and Employee Benefits		 42 40 40 40 43 42 43 45 45 68 78
Net Occupancy & Equipment Expense		 12 12 12 12 12 13 13 13 13 17 24
Property & Liability Insurance Claims		 - 1.50 1.51 1.48 1.17 1.40 1.46 1.41 1.33 2.17 2.42
Other Operating Expenses		 15 14 13 15 16 12 15 14 16 25 18
Amortization Expense		 2.80 2.73 2.67 2.56 2.48 2.41 2.63 2.55 2.47 3.08 4.59
Income Tax Expense		 11 9.56 7.49 6.82 7.47 8.74 11 11 9.25 -2.68 17
Preferred Stock Dividends Declared		 - - - - - - 0.00 - - - 0.16
Basic Earnings per Share		 $0.63 $0.66 $0.53 $0.55 $0.47 $0.47 $0.48 $0.56 $0.50 ($0.44) $0.53
Weighted Average Basic Shares Outstanding		 55.29M 55.30M 55.28M 55.26M 55.25M 56.73M 56.92M 56.88M 56.96M 89.49M 89.65M
Diluted Earnings per Share		 $0.61 $0.65 $0.52 $0.54 $0.47 $0.46 $0.47 $0.55 $0.50 ($0.44) $0.52
Weighted Average Diluted Shares Outstanding		 55.29M 55.30M 55.28M 55.26M 55.25M 56.73M 57.85M 56.88M 56.96M 89.49M 90.88M
Weighted Average Basic & Diluted Shares Outstanding		 55.29M 55.30M 55.28M 55.26M 55.25M 56.73M 56.85M 56.88M 56.96M 89.49M 89.07M

Annual Cash Flow Statements for First Busey

This table details how cash moves in and out of First Busey's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 108 -20 -153 277 -113 289 159 148 -609 492 -22
Net Cash From Operating Activities		 68 62 -21 253 203 88 163 162 166 173 178
Net Cash From Continuing Operating Activities		 68 62 -21 344 203 88 163 162 166 173 178
Net Income / (Loss) Continuing Operations		 33 39 50 63 99 103 100 123 128 123 114
Consolidated Net Income / (Loss)		 33 39 50 63 99 103 100 123 128 123 114
Provision For Loan Losses		 2.00 1.60 5.55 5.30 4.43 10 39 -15 4.62 2.40 8.59
Depreciation Expense		 5.57 5.70 7.30 8.62 9.56 12 12 12 10 9.49 9.50
Amortization Expense		 10 10 3.89 1.36 5.15 14 12 24 41 35 26
Non-Cash Adjustments to Reconcile Net Income		 3.04 3.41 -83 157 69 -41 20 34 36 12 9.42
Changes in Operating Assets and Liabilities, net		 15 1.72 -4.27 18 15 -9.87 -20 -16 -55 -7.98 12
Net Cash From Investing Activities		 -51 -134 150 -294 -55 57 -730 -829 -291 551 658
Net Cash From Continuing Investing Activities		 -51 -134 150 -294 -55 57 -730 -831 -291 551 658
Purchase of Property, Leasehold Improvements and Equipment		 -3.78 -4.11 -8.99 -15 -12 -13 -4.20 -5.04 -4.99 -9.53 -6.43
Purchase of Investment Securities		 -310 -370 -184 -494 -392 -727 -1,295 -2,081 -308 -48 -253
Sale of Property, Leasehold Improvements and Equipment		 0.08 0.31 2.49 2.22 0.32 0.42 0.81 7.31 4.53 4.43 2.25
Sale and/or Maturity of Investments		 262 227 315 350 348 797 569 1,241 559 539 551
Other Investing Activities, net		 - - - -164 0.00 -0.00 - - -542 65 364
Net Cash From Financing Activities		 91 53 -281 227 -260 144 726 815 -484 -232 -858
Net Cash From Continuing Financing Activities		 91 53 -281 227 -260 144 726 814 -484 -232 -858
Net Change in Deposits		 32 146 -142 - 124 216 776 767 -697 220 -702
Issuance of Debt		 50 30 - 159 0.00 60 147 73 98 0.00 0.00
Repayment of Debt		 - - -109 -40 -226 -31 -107 -19 217 -351 -67
Repurchase of Common Equity		 - -6.30 - -0.37 0.00 -24 -12 -33 -9.91 -4.48 0.00
Payment of Dividends		 -17 -19 -23 -31 -39 -45 -48 -51 -51 -53 -54
Other Financing Activities, Net		 27 -26 -7.71 139 -120 -32 -30 77 -42 -43 -35
Cash Interest Paid		 6.67 6.28 9.67 19 41 71 54 25 35 135 208
Cash Income Taxes Paid		 6.40 17 20 26 23 25 22 22 31 25 13

Quarterly Cash Flow Statements for First Busey

This table details how cash moves in and out of First Busey's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Change in Cash & Equivalents		 -120 48 -43 105 382 -129 -306 268 144 503 -448
Net Cash From Operating Activities		 48 45 40 42 46 37 28 60 52 8.38 50
Net Cash From Continuing Operating Activities		 48 45 40 42 46 37 28 60 52 8.38 50
Net Income / (Loss) Continuing Operations		 34 37 29 31 26 26 27 32 28 -30 47
Consolidated Net Income / (Loss)		 34 37 29 31 26 26 27 32 28 -30 47
Provision For Loan Losses		 0.86 0.95 0.63 0.36 0.46 5.04 2.28 0.00 1.27 42 8.84
Depreciation Expense		 2.45 2.37 2.32 2.36 2.44 2.38 2.47 2.33 2.32 2.65 3.43
Amortization Expense		 5.46 9.68 14 11 1.21 7.29 6.30 6.22 5.74 3.30 -1.75
Non-Cash Adjustments to Reconcile Net Income		 11 1.24 2.72 0.32 7.29 4.87 -4.45 0.32 8.68 14 -5.10
Changes in Operating Assets and Liabilities, net		 -5.98 -5.74 -8.86 -2.31 8.92 -8.44 -5.48 19 6.19 -24 -3.31
Net Cash From Investing Activities		 48 44 84 31 392 249 102 268 39 610 112
Net Cash From Continuing Investing Activities		 48 44 84 31 392 249 102 268 39 610 112
Purchase of Property, Leasehold Improvements and Equipment		 -0.98 -2.38 -2.14 -2.23 -2.78 -1.37 -2.15 -0.99 -1.93 -1.85 -3.32
Purchase of Investment Securities		 471 -20 -103 -53 129 -1.03 44 186 -482 -336 309
Sale of Property, Leasehold Improvements and Equipment		 0.35 0.28 3.58 0.02 0.54 0.04 1.30 - 0.91 0.00 0.00
Sale and/or Maturity of Investments		 119 67 186 86 200 195 59 83 158 1,042 -247
Other Investing Activities, net		 - - - - - 56 - - - -93 54
Net Cash From Financing Activities		 -216 -41 -167 32 -56 -415 -436 -60 53 -116 -610
Net Cash From Continuing Financing Activities		 -216 -41 -167 32 -56 -415 -436 -60 53 -116 -610
Net Change in Deposits		 -530 -270 262 270 -41 -331 -377 -33 39 -94 -657
Issuance of Debt		 - 265 -400 -200 335 0.00 -36 - 36 17 -11
Issuance of Common Equity		 - - - - - 0.00 - - - 0.62 0.41
Repayment of Debt		 332 -3.17 -6.88 -3.00 -338 -30 -1.45 - -36 -0.03 -125
Repurchase of Common Equity		 - -0.53 -0.40 -1.28 -2.27 0.00 - - - -4.84 -22
Payment of Dividends		 -13 -13 -13 -13 -13 -13 -14 -14 -14 -14 -23
Other Financing Activities, Net		 -5.19 -19 -8.02 -20 3.59 -41 -8.22 -13 27 -20 20
Cash Interest Paid		 16 20 36 34 46 52 57 38 62 43 106

Annual Balance Sheets for First Busey

This table presents First Busey's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,666 3,999 5,425 7,861 7,702 9,696 10,544 12,860 12,337 12,283 12,047
Cash and Due from Banks		 339 319 167 118 129 137 119 103 118 135 129
Interest Bearing Deposits at Other Banks		 - - - 229 111 393 570 733 110 585 568
Trading Account Securities		 761 894 1,064 1,411 1,332 1,717 2,304 4,005 3,381 2,963 2,641
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7,634 7,559 7,614
Premises and Equipment, Net		 64 63 78 117 118 151 135 136 127 123 119
Goodwill		 21 26 103 269 268 312 312 318 318 318 334
Intangible Assets		 6.69 7.43 18 39 33 62 52 58 46 36 32
Other Assets		 2,463 2,690 3,995 5,671 5,712 6,925 7,053 7,506 604 566 610
Total Liabilities & Shareholders' Equity		 3,666 3,999 5,425 7,861 7,702 9,696 10,544 12,860 12,337 12,283 12,047
Total Liabilities		 3,232 3,626 4,831 6,926 6,707 8,475 9,274 11,541 11,191 11,011 10,663
Non-Interest Bearing Deposits		 667 882 1,134 1,597 1,465 1,833 2,552 3,670 3,394 2,835 2,720
Interest Bearing Deposits		 2,234 2,407 3,240 4,529 4,785 6,070 6,126 7,098 6,678 7,457 7,263
Short-Term Debt		 199 173 264 525 186 214 180 288 581 199 156
Long-Term Debt		 105 135 151 225 220 254 298 340 324 313 303
Other Long-Term Liabilities		 27 29 42 50 52 105 118 144 215 208 223
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 434 373 594 935 995 1,220 1,270 1,319 1,146 1,272 1,383
Total Preferred & Common Equity		 434 373 594 935 995 1,220 1,270 1,319 1,146 1,272 1,383
Preferred Stock		 73 - - - - - - - - - 0.00
Total Common Equity		 361 373 594 935 995 1,220 1,270 1,319 1,146 1,272 1,383
Common Stock		 594 591 782 1,085 1,080 1,248 1,253 1,317 1,321 1,324 1,361
Retained Earnings		 -210 -190 -164 -132 -72 -15 21 92 169 237 294
Treasury Stock		 -28 -30 -24 -15 -6.19 -28 -37 -67 -71 -70 -64
Accumulated Other Comprehensive Income / (Loss)		 5.82 2.34 0.04 -2.81 -6.81 15 33 -24 -273 -219 -207

Quarterly Balance Sheets for First Busey

This table presents First Busey's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
Total Assets		 12,356 12,497 12,345 12,209 12,258 11,887 11,971 11,987 19,464 18,919
Cash and Due from Banks		 131 121 127 142 123 93 131 150 191 216
Interest Bearing Deposits at Other Banks		 100 226 149 91 215 498 154 404 1,010 536
Trading Account Securities		 3,702 3,499 3,294 3,179 3,069 2,767 2,692 2,669 3,097 3,031
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 7,714 7,764 7,497 7,914 7,724 13,673 13,625
Premises and Equipment, Net		 131 128 127 123 123 122 122 120 182 181
Goodwill		 318 318 318 318 318 318 333 333 385 382
Intangible Assets		 52 49 44 41 38 34 37 35 111 106
Other Assets		 7,922 8,156 8,287 602 608 560 588 552 816 840
Total Liabilities & Shareholders' Equity		 12,356 12,497 12,345 12,209 12,258 11,887 11,971 11,987 19,464 18,919
Total Liabilities		 11,194 11,391 11,146 11,007 11,068 10,605 10,638 10,584 17,285 16,506
Non-Interest Bearing Deposits		 3,505 3,628 3,174 3,087 2,919 2,784 2,833 2,684 3,693 3,590
Interest Bearing Deposits		 6,892 6,973 6,627 6,976 7,414 7,176 7,143 7,260 12,766 12,211
Short-Term Debt		 245 251 827 415 196 147 140 128 149 158
Long-Term Debt		 389 327 321 318 316 295 302 302 384 267
Other Long-Term Liabilities		 163 212 197 211 224 202 219 210 293 279
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,162 1,107 1,199 1,202 1,190 1,283 1,334 1,403 2,180 2,413
Total Preferred & Common Equity		 1,162 1,107 1,199 1,202 1,190 1,283 1,334 1,403 2,180 2,413
Preferred Stock		 - - - - - - - - - 0.00
Total Common Equity		 1,162 1,107 1,199 1,202 1,190 1,283 1,334 1,403 2,180 2,413
Common Stock		 1,318 1,320 1,322 1,325 1,324 1,325 1,360 1,359 2,167 2,378
Retained Earnings		 125 147 192 208 225 248 262 280 249 274
Treasury Stock		 -69 -72 -70 -70 -68 -69 -68 -65 -64 -84
Accumulated Other Comprehensive Income / (Loss)		 -211 -289 -246 -261 -291 -222 -220 -171 -173 -155

Annual Metrics And Ratios for First Busey

This table displays calculated financial ratios and metrics derived from First Busey's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.31% 10.02% 30.14% 25.24% 15.13% 21.80% -0.60% 0.57% 11.58% -1.87% 4.63%
EBITDA Growth		 9.79% 14.24% 16.06% 34.80% 25.87% 7.62% -4.69% 26.20% 10.76% -6.74% -5.23%
EBIT Growth		 17.44% 18.67% 28.00% 41.48% 23.88% 0.38% -4.64% 22.32% 3.13% -4.84% -0.39%
NOPAT Growth		 14.09% 19.02% 27.40% 26.22% 57.71% 4.07% -2.53% 23.03% 3.94% -4.48% -7.24%
Net Income Growth		 14.09% 19.02% 27.40% 26.22% 57.71% 4.07% -2.53% 23.03% 3.94% -4.48% -7.24%
EPS Growth		 14.09% 20.00% 6.06% 3.57% 38.62% -6.97% -2.14% 20.22% 4.09% -4.80% -9.17%
Operating Cash Flow Growth		 -30.61% -9.70% -133.97% 1,312.59% -20.06% -56.39% 84.75% -0.71% 2.33% 4.59% 2.81%
Free Cash Flow Firm Growth		 -1,389.70% 253.72% -391.98% -119.99% 162.52% -148.24% 121.68% -287.99% 133.16% 1,458.30% -85.47%
Invested Capital Growth		 14.75% -7.64% 48.18% 66.91% -16.86% 20.54% 3.57% 11.37% 5.31% -12.99% 3.20%
Revenue Q/Q Growth		 0.81% 2.97% 8.36% 8.67% 2.45% 2.29% 5.88% -4.78% 3.36% -2.55% 1.79%
EBITDA Q/Q Growth		 -2.66% 5.28% -6.68% 13.15% 12.23% -0.53% 10.27% -9.88% 6.00% -10.40% -0.24%
EBIT Q/Q Growth		 -3.07% 6.41% -4.83% 13.64% 12.30% -6.70% 21.79% -11.06% 4.21% -7.50% 2.78%
NOPAT Q/Q Growth		 2.10% 8.60% 1.58% 1.35% 15.12% 3.29% -0.22% 1.30% 3.60% -6.58% 2.12%
Net Income Q/Q Growth		 2.10% 8.60% 1.58% 1.35% 15.12% 3.29% -0.22% 1.30% 3.60% -6.58% 2.12%
EPS Q/Q Growth		 2.10% 7.32% 9.38% 14.17% 16.19% 0.54% 0.55% 0.00% 4.09% -6.03% 1.54%
Operating Cash Flow Q/Q Growth		 1.43% 1.29% -138.93% 33.30% -8.41% -18.02% 18.75% -1.37% -6.62% -1.04% 3.63%
Free Cash Flow Firm Q/Q Growth		 -333.28% 630.98% 35.36% -172.02% 656.87% -519.84% -8.57% -41.33% -93.35% 242.00% 372.52%
Invested Capital Q/Q Growth		 9.70% -6.20% -16.30% 12.83% -15.00% -0.89% -0.66% 0.62% 21.77% 4.87% 0.43%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.16% 42.74% 38.11% 41.02% 44.85% 39.63% 38.00% 47.69% 47.33% 44.98% 40.74%
EBIT Margin		 31.34% 33.81% 33.25% 37.56% 40.41% 33.31% 31.96% 38.87% 35.92% 34.83% 33.16%
Profit (Net Income) Margin		 20.42% 22.09% 21.62% 21.79% 29.85% 25.51% 25.01% 30.59% 28.50% 27.74% 24.59%
Tax Burden Percent		 65.15% 65.33% 65.03% 58.02% 73.87% 76.58% 78.27% 78.72% 79.33% 79.64% 74.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.85% 34.67% 34.97% 41.98% 26.13% 23.42% 21.73% 21.28% 20.67% 20.36% 25.84%
Return on Invested Capital (ROIC)		 4.75% 5.50% 5.88% 4.66% 6.41% 6.67% 5.84% 6.68% 6.42% 6.39% 6.27%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.75% 5.50% 5.88% 4.66% 6.41% 6.67% 5.84% 6.68% 6.42% 6.39% 6.27%
Return on Net Nonoperating Assets (RNNOA)		 2.97% 4.17% 4.39% 3.55% 3.84% 2.63% 2.22% 2.86% 3.99% 3.75% 2.29%
Return on Equity (ROE)		 7.72% 9.67% 10.27% 8.20% 10.25% 9.29% 8.06% 9.54% 10.41% 10.14% 8.56%
Cash Return on Invested Capital (CROIC)		 -8.99% 13.45% -32.95% -45.48% 24.83% -11.96% 2.33% -4.07% 1.25% 20.29% 3.12%
Operating Return on Assets (OROA)		 1.40% 1.56% 1.62% 1.63% 1.72% 1.55% 1.27% 1.34% 1.28% 1.25% 1.26%
Return on Assets (ROA)		 0.91% 1.02% 1.05% 0.94% 1.27% 1.18% 0.99% 1.06% 1.02% 1.00% 0.93%
Return on Common Equity (ROCE)		 6.40% 8.80% 10.27% 8.20% 10.25% 9.29% 8.06% 9.54% 10.41% 10.14% 8.56%
Return on Equity Simple (ROE_SIMPLE)		 7.56% 10.45% 8.36% 6.71% 9.94% 8.44% 7.90% 9.36% 11.20% 9.64% 8.22%
Net Operating Profit after Tax (NOPAT)		 33 39 50 63 99 103 100 123 128 123 114
NOPAT Margin		 20.42% 22.09% 21.62% 21.79% 29.85% 25.51% 25.01% 30.59% 28.50% 27.74% 24.59%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.21% 51.03% 49.97% 46.30% 44.14% 46.99% 42.45% 48.03% 46.07% 47.82% 49.38%
Operating Expenses to Revenue		 67.41% 65.29% 64.34% 60.60% 58.25% 64.12% 58.37% 64.88% 63.05% 64.62% 64.98%
Earnings before Interest and Taxes (EBIT)		 50 60 76 108 134 134 128 157 162 154 153
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 66 75 88 118 149 160 152 192 213 199 188
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.16 1.50 1.21 0.96 1.02 0.80 1.02 1.08 1.03 0.96
Price to Tangible Book Value (P/TBV)		 1.20 1.28 1.88 1.80 1.37 1.47 1.12 1.43 1.59 1.42 1.30
Price to Revenue (P/Rev)		 2.50 2.46 3.87 3.92 2.88 3.08 2.52 3.35 2.76 2.95 2.87
Price to Earnings (P/E)		 12.52 11.33 17.91 18.00 9.64 12.09 10.08 10.94 9.67 10.64 11.66
Dividend Yield		 4.98% 4.10% 2.92% 3.10% 4.10% 3.72% 4.74% 3.79% 4.10% 4.07% 4.12%
Earnings Yield		 7.98% 8.83% 5.58% 5.56% 10.37% 8.27% 9.92% 9.14% 10.34% 9.40% 8.57%
Enterprise Value to Invested Capital (EV/IC)		 0.59 0.62 1.13 0.91 0.80 0.70 0.46 0.59 0.94 0.61 0.59
Enterprise Value to Revenue (EV/Rev)		 2.73 2.39 4.95 5.30 3.38 2.93 2.00 2.83 4.26 2.48 2.35
Enterprise Value to EBITDA (EV/EBITDA)		 6.64 5.60 12.99 12.92 7.53 7.39 5.26 5.94 9.00 5.52 5.77
Enterprise Value to EBIT (EV/EBIT)		 8.72 7.08 14.90 14.11 8.36 8.80 6.25 7.28 11.86 7.13 7.09
Enterprise Value to NOPAT (EV/NOPAT)		 13.38 10.83 22.91 24.32 11.32 11.49 7.99 9.25 14.95 8.95 9.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.44 6.87 0.00 6.02 5.53 13.39 4.91 7.05 11.57 6.33 6.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.43 0.00 0.00 2.92 0.00 20.02 0.00 76.84 2.82 19.22
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.70 0.83 0.70 0.80 0.41 0.38 0.38 0.48 0.79 0.40 0.33
Long-Term Debt to Equity		 0.24 0.36 0.25 0.24 0.22 0.21 0.23 0.26 0.28 0.25 0.22
Financial Leverage		 0.63 0.76 0.75 0.76 0.60 0.39 0.38 0.43 0.62 0.59 0.37
Leverage Ratio		 8.49 9.50 9.74 8.69 8.06 7.85 8.13 9.04 10.22 10.18 9.16
Compound Leverage Factor		 8.49 9.50 9.74 8.69 8.06 7.85 8.13 9.04 10.22 10.18 9.16
Debt to Total Capital		 41.20% 45.21% 41.12% 44.50% 28.96% 27.71% 27.37% 32.26% 44.12% 28.71% 24.88%
Short-Term Debt to Total Capital		 26.97% 25.39% 26.17% 31.14% 13.27% 12.68% 10.31% 14.78% 28.33% 11.18% 8.45%
Long-Term Debt to Total Capital		 14.24% 19.82% 14.95% 13.36% 15.70% 15.03% 17.06% 17.48% 15.79% 17.54% 16.43%
Preferred Equity to Total Capital		 9.85% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 48.94% 54.79% 58.88% 55.50% 71.04% 72.29% 72.63% 67.74% 55.88% 71.29% 75.12%
Debt to EBITDA		 4.60 4.08 4.74 6.35 2.73 2.93 3.14 3.27 4.25 2.58 2.43
Net Debt to EBITDA		 -0.54 -0.15 2.83 3.36 1.11 -0.38 -1.38 -1.08 3.18 -1.04 -1.27
Long-Term Debt to EBITDA		 1.59 1.79 1.72 1.91 1.48 1.59 1.96 1.77 1.52 1.57 1.61
Debt to NOPAT		 9.27 7.90 8.35 11.95 4.10 4.54 4.77 5.09 7.05 4.18 4.03
Net Debt to NOPAT		 -1.08 -0.29 5.00 6.32 1.67 -0.60 -2.09 -1.68 5.28 -1.69 -2.11
Long-Term Debt to NOPAT		 3.20 3.46 3.04 3.59 2.22 2.47 2.97 2.76 2.52 2.55 2.66
Noncontrolling Interest Sharing Ratio		 17.12% 9.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -62 95 -278 -613 383 -185 40 -75 25 389 57
Operating Cash Flow to CapEx		 1,840.84% 1,617.70% -321.15% 1,986.19% 1,793.40% 689.26% 4,821.93% 0.00% 35,962.47% 3,394.48% 4,261.70%
Free Cash Flow to Firm to Interest Expense		 -9.55 15.37 -27.23 -29.26 8.58 -2.68 0.92 -2.68 0.68 2.43 0.28
Operating Cash Flow to Interest Expense		 10.48 9.91 -2.04 12.10 4.54 1.28 3.74 5.77 4.54 1.08 0.89
Operating Cash Flow Less CapEx to Interest Expense		 9.91 9.30 -2.68 11.49 4.29 1.09 3.66 5.85 4.52 1.05 0.87
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.04 0.04 0.05 0.04 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 2.47 2.78 3.26 2.96 2.83 3.00 2.80 2.97 3.43 3.55 3.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 738 681 1,009 1,685 1,401 1,688 1,749 1,947 2,051 1,784 1,841
Invested Capital Turnover		 0.23 0.25 0.27 0.21 0.21 0.26 0.23 0.22 0.23 0.23 0.26
Increase / (Decrease) in Invested Capital		 95 -56 328 675 -284 288 60 199 103 -266 57
Enterprise Value (EV)		 438 423 1,138 1,525 1,119 1,183 802 1,142 1,918 1,097 1,087
Market Capitalization		 401 434 890 1,129 954 1,244 1,012 1,350 1,241 1,304 1,326
Book Value per Share		 $4.16 $13.01 $15.56 $19.23 $20.36 $22.17 $23.29 $23.70 $20.75 $23.02 $24.32
Tangible Book Value per Share		 $3.84 $11.86 $12.38 $12.89 $14.21 $15.39 $16.63 $16.94 $14.15 $16.61 $17.89
Total Capital		 738 681 1,009 1,685 1,401 1,688 1,749 1,947 2,051 1,784 1,841
Total Debt		 304 308 415 750 406 468 479 628 905 512 458
Total Long-Term Debt		 105 135 151 225 220 254 298 340 324 313 303
Net Debt		 -36 -11 248 396 166 -61 -210 -208 678 -207 -240
Capital Expenditures (CapEx)		 3.70 3.80 6.51 13 11 13 3.38 -2.26 0.46 5.11 4.18
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 304 308 415 750 406 468 479 628 905 512 458
Total Depreciation and Amortization (D&A)		 16 16 11 9.97 15 26 24 36 51 45 35
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.11 $1.32 $1.42 $1.47 $2.02 $1.88 $1.84 $2.23 $2.32 $0.00 $2.01
Adjusted Weighted Average Basic Shares Outstanding		 28.96M 28.69M 38.23M 48.69M 55.60M 54.54M 54.40M 55.29M 55.29M 0.00 56.96M
Adjusted Diluted Earnings per Share		 $1.11 $1.32 $1.40 $1.45 $2.01 $1.87 $1.83 $2.20 $2.29 $0.00 $1.98
Adjusted Weighted Average Diluted Shares Outstanding		 28.96M 28.69M 38.23M 48.69M 55.60M 54.54M 54.40M 55.29M 55.29M 0.00 56.96M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 28.96M 28.69M 38.23M 48.69M 55.60M 54.54M 54.40M 55.29M 55.29M 0.00 56.96M
Normalized Net Operating Profit after Tax (NOPAT)		 33 39 50 63 99 103 100 123 128 123 114
Normalized NOPAT Margin		 20.42% 22.09% 21.62% 21.79% 29.85% 25.51% 25.01% 30.59% 28.50% 27.74% 24.59%
Pre Tax Income Margin		 31.34% 33.81% 33.25% 37.56% 40.41% 33.31% 31.96% 38.87% 35.92% 34.83% 33.16%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 7.74 9.62 7.47 5.16 3.00 1.95 2.94 5.58 4.43 0.96 0.76
NOPAT to Interest Expense		 5.04 6.28 4.86 3.00 2.22 1.49 2.30 4.39 3.51 0.77 0.57
EBIT Less CapEx to Interest Expense		 7.17 9.01 6.83 4.55 2.75 1.76 2.86 5.66 4.41 0.93 0.74
NOPAT Less CapEx to Interest Expense		 4.47 5.67 4.22 2.39 1.96 1.31 2.22 4.47 3.50 0.73 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 52.55% 47.73% 45.78% 48.95% 39.43% 43.88% 47.85% 41.12% 39.64% 43.30% 47.65%
Augmented Payout Ratio		 52.55% 63.87% 45.78% 49.54% 39.43% 67.47% 60.08% 67.89% 47.37% 46.96% 47.65%

Quarterly Metrics And Ratios for First Busey

This table displays calculated financial ratios and metrics derived from First Busey's official financial filings.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 13.86% 11.22% -0.25% -7.20% -9.63% -5.89% 8.95% 8.91% 7.50% 12.81% 70.38%
EBITDA Growth		 29.05% 20.58% 0.99% -13.83% -31.22% -23.59% -10.71% 0.99% 23.19% -159.88% 40.28%
EBIT Growth		 16.67% 29.81% 1.79% -15.06% -27.31% -24.57% 4.26% 13.53% 12.48% -193.45% 67.91%
NOPAT Growth		 14.91% 29.35% -1.54% -14.01% -25.12% -28.71% -6.83% 4.36% 9.15% -187.20% 73.28%
Net Income Growth		 14.91% 29.35% -1.54% -14.01% -25.12% -28.71% -6.83% 4.36% 9.15% -214.36% 73.28%
EPS Growth		 17.31% 27.45% -1.89% -15.63% -22.95% -29.23% -9.62% 1.85% 6.38% -195.65% 10.64%
Operating Cash Flow Growth		 -19.74% 6.57% 27.83% -4.86% -3.58% -17.54% -28.55% 42.57% 13.56% -77.57% 73.89%
Free Cash Flow Firm Growth		 59.15% -2,140.84% -167.35% -95.40% 523.69% 234.70% 269.42% -857.90% -109.95% -255.87% -643.49%
Invested Capital Growth		 5.31% 28.31% 7.77% 1.04% -12.99% -26.49% -8.23% 7.76% 3.20% 57.21% 59.77%
Revenue Q/Q Growth		 2.55% -2.10% -9.36% 1.98% -0.14% 1.95% 4.94% 1.94% -1.43% 6.98% 58.50%
EBITDA Q/Q Growth		 -8.76% -2.55% -9.50% -4.22% -27.18% 21.05% 5.75% 8.33% -11.17% -158.84% 347.72%
EBIT Q/Q Growth		 3.52% 1.44% -20.49% 1.74% -11.40% 5.25% 9.90% 10.78% -12.23% -187.45% 297.47%
NOPAT Q/Q Growth		 -3.57% 6.98% -20.18% 4.43% -16.03% 1.85% 4.32% 16.99% -12.18% -181.37% 307.29%
Net Income Q/Q Growth		 -3.57% 6.98% -20.18% 4.43% -16.03% 1.85% 4.32% 16.99% -12.18% -206.71% 258.07%
EPS Q/Q Growth		 -4.69% 6.56% -20.00% 3.85% -12.96% -2.13% 2.17% 17.02% -9.09% -188.00% 218.18%
Operating Cash Flow Q/Q Growth		 7.74% -5.39% -12.02% 5.84% 9.20% -18.91% -23.76% 111.19% -13.02% -83.98% 491.02%
Free Cash Flow Firm Q/Q Growth		 -124.03% -597.36% 77.10% 111.99% 2,112.83% 121.70% -71.20% -153.64% 70.96% -3,374.48% -0.43%
Invested Capital Q/Q Growth		 21.77% 14.43% -17.53% -12.08% 4.87% -3.32% 2.96% 3.24% 0.43% 47.27% 4.64%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.58% 49.62% 49.54% 46.53% 33.93% 40.29% 40.60% 43.14% 38.88% -21.39% 33.42%
EBIT Margin		 38.00% 39.38% 34.54% 34.46% 30.57% 31.56% 33.05% 35.92% 31.99% -26.14% 32.57%
Profit (Net Income) Margin		 28.60% 31.25% 27.52% 28.19% 23.70% 23.68% 23.54% 27.01% 24.06% -24.00% 23.94%
Tax Burden Percent		 75.26% 79.37% 79.69% 81.80% 77.52% 75.01% 71.20% 75.19% 75.23% 91.80% 73.48%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.74% 20.63% 20.31% 18.20% 22.48% 24.99% 28.80% 24.81% 24.77% 0.00% 26.52%
Return on Invested Capital (ROIC)		 6.44% 6.92% 6.81% 7.55% 5.46% 5.06% 5.64% 6.94% 6.14% -3.93% 5.79%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.44% 6.92% 6.81% 7.55% 5.46% 5.06% 5.64% 6.94% 6.14% -5.39% 5.79%
Return on Net Nonoperating Assets (RNNOA)		 4.01% 5.03% 3.94% 3.58% 3.20% 3.24% 2.61% 2.52% 2.24% -1.52% 1.34%
Return on Equity (ROE)		 10.45% 11.95% 10.76% 11.13% 8.66% 8.30% 8.25% 9.46% 8.38% -5.45% 7.13%
Cash Return on Invested Capital (CROIC)		 1.25% -18.25% -0.18% 6.72% 20.29% 36.03% 14.51% -1.17% 3.12% -41.89% -42.65%
Operating Return on Assets (OROA)		 1.36% 1.46% 1.30% 1.26% 1.10% 1.13% 1.22% 1.35% 1.22% -0.79% 1.18%
Return on Assets (ROA)		 1.02% 1.16% 1.04% 1.03% 0.85% 0.85% 0.87% 1.01% 0.91% -0.73% 0.87%
Return on Common Equity (ROCE)		 10.45% 11.95% 10.76% 11.13% 8.66% 8.30% 8.25% 9.46% 8.38% -5.45% 7.13%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 11.40% 11.33% 11.02% 0.00% 8.73% 8.25% 7.94% 0.00% 2.64% 3.21%
Net Operating Profit after Tax (NOPAT)		 34 37 29 31 26 26 27 32 28 -23 47
NOPAT Margin		 28.60% 31.25% 27.52% 28.19% 23.70% 23.68% 23.54% 27.01% 24.06% -18.30% 23.94%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.46% 0.00%
SG&A Expenses to Revenue		 44.95% 44.59% 48.73% 47.65% 50.60% 49.81% 48.92% 48.77% 50.06% 67.77% 51.82%
Operating Expenses to Revenue		 61.28% 59.81% 64.87% 65.21% 69.01% 63.89% 64.99% 64.08% 66.92% 92.17% 64.55%
Earnings before Interest and Taxes (EBIT)		 46 46 37 37 33 35 38 43 37 -33 65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 54 58 53 51 37 45 47 51 45 -27 66
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 0.88 0.88 0.85 1.03 0.00 1.02 1.04 0.96 0.56 0.84
Price to Tangible Book Value (P/TBV)		 1.59 1.26 1.25 1.21 1.42 0.00 1.41 1.42 1.30 0.72 1.05
Price to Revenue (P/Rev)		 2.76 2.28 2.28 2.23 2.95 0.00 3.06 3.23 2.87 2.55 3.63
Price to Earnings (P/E)		 9.67 7.71 7.74 7.69 10.64 0.00 12.38 13.17 11.66 21.14 26.20
Dividend Yield		 4.10% 4.88% 4.93% 5.21% 4.07% 4.21% 4.00% 3.72% 4.12% 4.55% 4.33%
Earnings Yield		 10.34% 12.98% 12.92% 13.00% 9.40% 0.00% 8.08% 7.60% 8.57% 4.73% 3.82%
Enterprise Value to Invested Capital (EV/IC)		 0.94 0.82 0.80 0.69 0.61 0.00 0.85 0.73 0.59 0.20 0.60
Enterprise Value to Revenue (EV/Rev)		 4.26 4.17 3.37 2.61 2.48 0.00 3.42 2.96 2.35 1.15 3.04
Enterprise Value to EBITDA (EV/EBITDA)		 9.00 8.39 6.76 5.33 5.52 0.00 8.06 7.11 5.77 4.67 12.50
Enterprise Value to EBIT (EV/EBIT)		 11.86 11.17 8.98 7.11 7.13 0.00 10.54 9.00 7.09 6.38 15.21
Enterprise Value to NOPAT (EV/NOPAT)		 14.95 14.09 11.41 9.01 8.95 0.00 13.80 12.06 9.56 9.51 21.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.57 11.42 8.77 6.75 6.33 0.00 9.85 7.81 6.10 3.66 9.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 76.84 0.00 0.00 10.39 2.82 0.00 5.64 0.00 19.22 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.79 0.96 0.61 0.43 0.40 0.34 0.33 0.31 0.33 0.24 0.18
Long-Term Debt to Equity		 0.28 0.27 0.26 0.27 0.25 0.23 0.23 0.22 0.22 0.18 0.11
Financial Leverage		 0.62 0.73 0.58 0.47 0.59 0.64 0.46 0.36 0.37 0.28 0.23
Leverage Ratio		 10.22 10.31 10.39 10.78 10.18 9.77 9.54 9.35 9.16 9.06 8.25
Compound Leverage Factor		 10.22 10.31 10.39 10.78 10.18 9.77 9.54 9.35 9.16 9.06 8.25
Debt to Total Capital		 44.12% 48.92% 37.89% 30.05% 28.71% 25.64% 24.90% 23.49% 24.88% 19.62% 14.98%
Short-Term Debt to Total Capital		 28.33% 35.24% 21.44% 11.50% 11.18% 8.53% 7.90% 7.00% 8.45% 5.48% 5.57%
Long-Term Debt to Total Capital		 15.79% 13.68% 16.45% 18.55% 17.54% 17.11% 17.00% 16.48% 16.43% 14.15% 9.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.88% 51.08% 62.11% 69.95% 71.29% 74.36% 75.10% 76.51% 75.12% 80.38% 85.02%
Debt to EBITDA		 4.25 5.00 3.19 2.31 2.58 2.39 2.35 2.28 2.43 4.55 3.12
Net Debt to EBITDA		 3.18 3.80 2.18 0.78 -1.04 -0.80 0.83 -0.65 -1.27 -5.71 -2.41
Long-Term Debt to EBITDA		 1.52 1.40 1.38 1.42 1.57 1.60 1.60 1.60 1.61 3.28 1.96
Debt to NOPAT		 7.05 8.40 5.38 3.90 4.18 3.95 4.02 3.87 4.03 9.26 5.48
Net Debt to NOPAT		 5.28 6.38 3.68 1.32 -1.69 -1.33 1.43 -1.11 -2.11 -11.62 -4.22
Long-Term Debt to NOPAT		 2.52 2.35 2.34 2.41 2.55 2.64 2.75 2.71 2.66 6.67 3.44
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -69 -481 -110 13 292 648 187 -100 -29 -1,010 -1,014
Operating Cash Flow to CapEx		 7,499.06% 2,161.07% 0.00% 1,909.46% 2,057.21% 2,812.50% 3,361.87% 6,086.64% 5,128.04% 452.38% 1,491.90%
Free Cash Flow to Firm to Interest Expense		 -4.68 -19.05 -2.88 0.29 5.67 12.96 3.78 -1.93 -0.58 -16.01 -10.76
Operating Cash Flow to Interest Expense		 3.24 1.79 1.04 0.94 0.89 0.75 0.58 1.16 1.05 0.13 0.53
Operating Cash Flow Less CapEx to Interest Expense		 3.20 1.71 1.08 0.89 0.85 0.72 0.56 1.14 1.03 0.10 0.49
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04
Fixed Asset Turnover		 3.43 3.55 3.64 3.62 3.55 3.51 3.64 3.74 3.83 3.14 3.68
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,051 2,347 1,935 1,701 1,784 1,725 1,776 1,834 1,841 2,712 2,837
Invested Capital Turnover		 0.23 0.22 0.25 0.27 0.23 0.21 0.24 0.26 0.26 0.21 0.24
Increase / (Decrease) in Invested Capital		 103 518 139 17 -266 -622 -159 132 57 987 1,061
Enterprise Value (EV)		 1,918 1,926 1,555 1,182 1,097 0.00 1,518 1,343 1,087 547 1,700
Market Capitalization		 1,241 1,053 1,054 1,009 1,304 0.00 1,361 1,466 1,326 1,215 2,027
Book Value per Share		 $20.75 $21.68 $21.73 $21.53 $23.02 $22.61 $23.51 $24.67 $24.32 $38.27 $26.96
Tangible Book Value per Share		 $14.15 $15.14 $15.24 $15.08 $16.61 $16.41 $16.98 $18.20 $17.89 $29.56 $21.50
Total Capital		 2,051 2,347 1,935 1,701 1,784 1,725 1,776 1,834 1,841 2,712 2,837
Total Debt		 905 1,148 733 511 512 442 442 431 458 532 425
Total Long-Term Debt		 324 321 318 316 313 295 302 302 303 384 267
Net Debt		 678 872 501 173 -207 -149 157 -123 -240 -668 -327
Capital Expenditures (CapEx)		 0.64 2.10 -1.44 2.21 2.24 1.33 0.85 0.99 1.02 1.85 3.32
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.12 0.00
Net Nonoperating Obligations (NNO)		 905 1,148 733 511 512 442 442 431 458 532 425
Total Depreciation and Amortization (D&A)		 7.91 12 16 13 3.65 9.66 8.77 8.56 8.05 5.95 1.68
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.63 $0.66 $0.53 $0.55 $0.47 $0.47 $0.48 $0.56 $0.50 ($0.44) $0.53
Adjusted Weighted Average Basic Shares Outstanding		 55.29M 55.30M 55.28M 55.26M 55.25M 56.73M 56.85M 56.88M 56.96M 89.49M 89.65M
Adjusted Diluted Earnings per Share		 $0.61 $0.65 $0.52 $0.54 $0.47 $0.46 $0.47 $0.55 $0.50 ($0.44) $0.52
Adjusted Weighted Average Diluted Shares Outstanding		 55.29M 55.30M 55.28M 55.26M 55.25M 56.73M 56.85M 56.88M 56.96M 89.49M 90.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 55.29M 55.30M 55.28M 55.26M 55.25M 56.73M 56.85M 56.88M 56.96M 89.49M 89.07M
Normalized Net Operating Profit after Tax (NOPAT)		 34 37 29 31 26 26 27 32 28 -23 47
Normalized NOPAT Margin		 28.60% 31.25% 27.52% 28.19% 23.70% 23.68% 23.54% 27.01% 24.06% -18.30% 23.94%
Pre Tax Income Margin		 38.00% 39.38% 34.54% 34.46% 30.57% 31.56% 33.05% 35.92% 31.99% -26.14% 32.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.10 1.84 0.96 0.84 0.64 0.70 0.78 0.82 0.75 -0.52 0.68
NOPAT to Interest Expense		 2.33 1.46 0.77 0.68 0.50 0.52 0.55 0.62 0.57 -0.36 0.50
EBIT Less CapEx to Interest Expense		 3.06 1.75 1.00 0.79 0.60 0.67 0.76 0.80 0.73 -0.55 0.65
NOPAT Less CapEx to Interest Expense		 2.29 1.37 0.81 0.63 0.46 0.50 0.54 0.60 0.54 -0.39 0.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.64% 37.61% 38.14% 40.02% 43.30% 47.38% 48.56% 48.31% 47.65% 95.93% 82.70%
Augmented Payout Ratio		 47.37% 41.43% 41.09% 41.71% 46.96% 50.90% 51.79% 50.36% 47.65% 104.34% 116.88%

Key Financial Trends

First Busey's recent financial results indicate some notable trends over the past four years, culminating in Q2 2025. Below is an analysis of key financial metrics and developments observed across income statements, cash flow statements, and balance sheets:

  • Net Income Recovery: The company returned to profitability in Q2 2025 with consolidated net income of $47.4 million after a loss of $30 million in Q1 2025. This marks a sharp improvement compared to Q1 2025.
  • Strong Net Interest Income Growth: Net interest income increased to $153.2 million in Q2 2025, a significant rise from $103.7 million in Q1 2025, driven by growth in loans and leases interest income.
  • Improved Operating Cash Flow: Net cash from continuing operating activities surged to $49.5 million in Q2 2025 from $8.4 million in the previous quarter, signaling better operational efficiency and earnings quality.
  • Increase in Loans and Leases: The loan and lease portfolio expanded slightly from $13.67 billion in Q1 2025 to $13.63 billion in Q2 2025, indicating steady credit extension.
  • Revenue Expansion: Total revenue rose to $198 million in Q2 2025 from $124.9 million in Q1 2025, reflecting strong growth in both interest and non-interest income.
  • Quarterly volatility was noted in provisions for loan losses, with a decrease in Q2 2025 ($5.7 million provision) after a high $42.5 million in Q1, which could reflect changing credit conditions.
  • Total equity increased from approximately $2.18B in Q1 2025 to $2.41B in Q2 2025, indicating moderate capital build-up, but accumulated other comprehensive loss remains sizable around $155 million.
  • Deposit Outflows: There was a substantial net reduction in deposits by $657 million in Q2 2025, a reversal from a smaller $94 million decline in Q1, which may pressure liquidity and funding costs.
  • Significant Financing Outflows: Net cash used in continuing financing activities was $610 million in Q2 2025, reflecting considerable debt repayments and equity repurchases, which might constrain financial flexibility short term.
  • Decline in Cash and Equivalents: Cash and due from banks rose modestly to about $216 million, but the sizable negative net change in cash and equivalents of -$448 million in Q2 2025 suggests liquidity is tightening.

Summary: First Busey has shown resilience and a stark earnings rebound in Q2 2025 after facing losses in the previous quarter. The company's core lending operations are growing, and interest income is picking up, which supports profitability gains. However, challenges remain with sizable deposit withdrawals and negative cash flow in financing activities that could impact stability if sustained. Investors should monitor liquidity trends and credit provisions closely, while appreciating the turnaround in earnings and operational cash flows.

08/29/25 11:57 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About First Busey's Financials

When does First Busey's fiscal year end?

According to the most recent income statement we have on file, First Busey's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has First Busey's net income changed over the last 10 years?

First Busey's net income appears to be on an upward trend, with a most recent value of $113.69 million in 2024, rising from $32.77 million in 2014. The previous period was $122.57 million in 2023. View First Busey's forecast to see where analysts expect First Busey to go next.

How has First Busey's revenue changed over the last 10 years?

Over the last 10 years, First Busey's total revenue changed from $160.52 million in 2014 to $462.29 million in 2024, a change of 188.0%.

How much debt does First Busey have?

First Busey's total liabilities were at $10.66 billion at the end of 2024, a 3.2% decrease from 2023, and a 229.9% increase since 2014.

How much cash does First Busey have?

In the past 10 years, First Busey's cash and equivalents has ranged from $102.98 million in 2021 to $339.44 million in 2014, and is currently $129.44 million as of their latest financial filing in 2024.

How has First Busey's book value per share changed over the last 10 years?

Over the last 10 years, First Busey's book value per share changed from 4.16 in 2014 to 24.32 in 2024, a change of 485.1%.


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This page (NASDAQ:BUSE) was last updated on 8/29/2025 by MarketBeat.com Staff
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