First Busey Corporation Class A Common Stock (BUSE)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-26 close of $30.38, FairStock calculations put First Busey at 12.55x earnings, 1.06x book, a 3.42% dividend yield, 9.63% ROE, a 5/9 Piotroski score, and a PEG of 0.05. I treat the PEG skeptically: FairStock’s computed Lynch category is SLOW GROWER, based on 6.2% annual profit growth over five years. The franchise—regional banking plus wealth management and FirsTech—has local deposit relationships that can be a modest moat, but it is not a wide-moat institution. The filed record is mixed. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $196.7 million, net income $63.2 million, and diluted EPS $0.69, versus fiscal Q2 2025 revenue of $198.0 million, net income of $47.4 million, and diluted EPS of $0.52. For FY2025, revenue was $719.6 million and net income $135.3 million, up from FY2024 revenue of $462.3 million and net income of $113.7 million; but diluted EPS fell from $1.98 to $1.47, and FY2023 EPS was $2.18. That pattern suggests the reported expansion has not translated into durable per-share gains. A 1.06x book price for a bank earning 9.63% on equity is not demanding, but it is not a deep bargain either. The 3.42% yield and 0.74 beta offer some defensive support, yet key bank measures—CET1, net interest margin, credit costs, reserve coverage, and combined ratio—are absent. Without them, I cannot judge balance-sheet safety or underwriting risk. This looks like a fair-to-modestly-priced, slow-growth bank with mixed momentum; the margin of safety depends on credit quality the data do not show.

In plain English: First Busey is a regional bank that also provides wealth management and payment technology services. It is profitable and pays a 3.4% dividend, and its latest quarter showed higher net income than a year earlier, though annual per-share earnings have slipped. At $30.38, the price looks fair to slightly cheap compared with its earnings and accounting value, but not a clear bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer