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Upturn AI SWOT - About
BUSE 
First Busey Corp (BUSE)
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Upturn Advisory Summary
04/01/2025: BUSE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -31.18% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.95B USD | Price to earnings Ratio 10.97 | 1Y Target Price 27.5 |
Price to earnings Ratio 10.97 | 1Y Target Price 27.5 | ||
Volume (30-day avg) 549524 | Beta 0.83 | 52 Weeks Range 20.95 - 28.39 | Updated Date 04/2/2025 |
52 Weeks Range 20.95 - 28.39 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 4.64% | Basic EPS (TTM) 1.98 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.06% | Operating Margin (TTM) 35.85% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 8.56% |
Valuation
Trailing PE 10.97 | Forward PE 10.36 | Enterprise Value 1027862464 | Price to Sales(TTM) 4.3 |
Enterprise Value 1027862464 | Price to Sales(TTM) 4.3 | ||
Enterprise Value to Revenue 4.88 | Enterprise Value to EBITDA - | Shares Outstanding 89880600 | Shares Floating 52761555 |
Shares Outstanding 89880600 | Shares Floating 52761555 | ||
Percent Insiders 5.22 | Percent Institutions 39.49 |
Analyst Ratings
Rating 3.83 | Target Price 30.33 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Busey Corp
Company Overview
History and Background
First Busey Corp. was founded in 1868 in Urbana, Illinois. It has grown through organic expansion and acquisitions to become a multi-bank holding company providing financial services throughout Illinois, Missouri, Indiana, and Florida.
Core Business Areas
- Banking: Provides a range of commercial and retail banking services, including deposit accounts, loans, and treasury management.
- Wealth Management: Offers trust, investment management, and financial planning services to individuals, families, and institutions.
- Commercial Insurance: Provides commercial insurance services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments such as banking, wealth management, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include term loans, lines of credit, and commercial real estate financing. Market share data is not publicly available in a consolidated manner. Competitors include larger national and regional banks like JPMorgan Chase and U.S. Bancorp, and regional players like Old National Bancorp.
- Wealth Management Services: Services encompass investment management, trust administration, and financial planning. Specific market share is unavailable. Competitors include Northern Trust, BMO Wealth Management, and independent advisory firms.
- Retail Banking: Includes deposit accounts, mortgages, and consumer loans. Specific market share is unavailable, competes with national banks like Chase and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a prevalent trend.
Positioning
First Busey Corp positions itself as a community-focused bank providing personalized services. Its competitive advantages include its strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM includes the total financial services market within its geographic footprint. TAM is valued at billions of dollars. First Busey Corp is well-positioned to capture additional market share by leveraging its existing customer base and expanding into new markets.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Diversified revenue streams
- Sound asset quality
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on traditional banking model
- Higher cost structure than fintech competitors
- Exposure to interest rate risk
- Brand recognition not as strong as national banks
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Capitalizing on consolidation trends
- Strategic partnership with fintech companies
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- USB
- ONB
Competitive Landscape
First Busey Corp faces competition from larger national banks and smaller regional banks. Its advantages include a strong local presence and customer relationships. Its disadvantages include limited geographic reach and brand recognition.
Major Acquisitions
HCI Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 117.4
- Strategic Rationale: The acquisition of HCI Bancorp, Inc. expanded First Busey Corp's presence in the St. Louis metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: First Busey Corp has experienced steady growth through acquisitions and organic expansion.
Future Projections: Analyst estimates project continued growth driven by expansion into new markets and increased digital banking adoption.
Recent Initiatives: Recent initiatives include investments in digital banking technology and acquisitions of smaller banks.
Summary
First Busey Corp is a well-established regional bank with a strong local presence. Its diversified revenue streams and sound asset quality are working well for it. However, it faces competition from larger national banks and fintech companies and needs to continue to invest in digital banking and expand its geographic reach.
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KEY
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USB
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Busey Corp
Exchange NASDAQ | Headquaters Champaign, IL, United States | ||
IPO Launch date 1998-10-06 | Chairman & CEO Mr. Van A. Dukeman CFA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1468 | Website https://www.busey.com |
Full time employees 1468 | Website https://www.busey.com | ||
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 company offers 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 various loan products, including residential real estate, home equity lines of credit, and consumer loans to individual customers; and commercial, commercial real estate, real estate construction, and agricultural loans, as well as cash management services to corporate customers. It also provides asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, and farm management services; trust and estate advisory services and financial planning; succession planning and employee retirement plan; and investment strategy consulting services to individuals, businesses, and foundations. In addition, the company payment technology solution offers text-based mobile bill pay; interactive voice response; electronic payment concentration delivered to automated clearing house networks, money management, and credit card networks; walk-in payment processing for customers at retail pay agents; customer service payments made over a telephone; direct debit services; merchant services referral solutions; lockbox remittance processing for customers to make payments by mail; and tools for billing, reconciliation, bill reminders, and treasury services. The company was founded in 1868 and is headquartered in Champaign, Illinois.
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