First Busey Corporation Depositary Shares Each Representing a 1/40thInterest in a Share of 8.25% Fixed-Rate Series B Non-Cumulative Perpetual Preferred Stock $0.001 par value (BUSEP)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

Strengths

• Revenue growth of 72.7% demonstrates strong top-line momentum
• Attractive 8.0% dividend yield providing steady income returns
• FairStock composite score of 75/100 places it in the top tier across value, quality, and momentum factors

AI Analysis

First Busey Corporation Depositary Shares Each Representing a 1/40thInterest in a Share of 8.25% Fixed-Rate Series B Non-Cumulative Perpetual Preferred Stock $0.001 par value is a micro-cap financial services company. The business generates $781 million in annual revenue with a 7.2% net margin. From a quality standpoint, First shows solid Piotroski F-Score of 6/9 and modest 9% ROE. Growth dynamics show revenue growing at 72.7% and profit growth of 116.2%. The 8.0% dividend yield adds an income component for patient holders. Our composite FairStock Score of 75/100 reflects strong fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

First's 73% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer