First Busey Corporation

First Busey Corporation

BUSEยทNASDAQ

$26.85

-0.96%
Financial ServicesBanks - Regional

First Busey Corporation operates as the bank holding company for Busey Bank that provides retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. The company operates through three segments: Banking, FirsTech, and Wealth Management. It offers customary types of demand and savings deposits; and commercial, agricultural, real estate construction, commercial and residential real estate, and consumer loans, as well as home equity lines of credit. The company also provides money transfer, safe deposit, IRA, and other fiduciary services through banking center, ATM and technology-based networks. In addition, it offers investment management, trust, estate advisory, and financial planning services, as well as business succession and employee retirement planning services; investment strategy consulting and fiduciary services; and security brokerage services. Further, the company provides asset management, philanthropic advisory, tax preparation, and professional farm management services; and commercial depository services, such as cash management services. Additionally, it offers payment technology solutions through its payment platform, such as walk-in payment processing for customers at retail pay agents; online bill payment solutions; customer service payments accepted over the telephone; mobile bill pay; direct debit services; electronic concentration of payments delivered to automated clearing house network; money management and credit card networks; and lockbox remittance processing to make payments by mail, as well as provides tools related to billing, reconciliation, bill reminders, and treasury services. The company has 46 banking centers in Illinois; 8 in Missouri; 3 in southwest Florida; and 1 in Indianapolis, Indiana. First Busey Corporation was founded in 1868 and is headquartered in Champaign, Illinois.

At a Glance

Live Snapshot
Market Cap$2.27B
EPS1.4900
P/E Ratio18.02
Earnings Date07/28/2026
First Busey Corporation

First Busey Corporation Fair Value Envelope

BUSE ยท NASDAQ

Our analysis suggests that BUSE has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $26.85, this represents a potential HIDDEN relative to our calculated worth for First Busey Corporation.

Intrinsic Value
Current Price: $26.85

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$3.0B
+ Cash & Equivalents$181.0M
Firm Value$3.2B
- Debt$490.1M
Equity Value$2.7B
/ Shares Outstanding88,798,429B
DCF Value$30
UNDERVALUED BY 13%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$194.7M
$196.9M
$199.1M
$201.4M
$203.6M
$205.9M
$208.2M
$210.6M
$212.9M
$215.3M
Maintenance CapEx
-$4.0M
-$4.0M
-$4.1M
-$4.1M
-$4.1M
-$4.2M
-$4.2M
-$4.3M
-$4.3M
-$4.4M
Owner Earnings
$190.8M
$192.9M
$195.1M
$197.3M
$199.5M
$201.7M
$204.0M
$206.3M
$208.6M
$210.9M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$176.6M
$165.4M
$154.9M
$145.0M
$135.8M
$127.1M
$119.0M
$111.4M
$104.3M
$97.7M
Terminal Value represents 55.4% of Enterprise Value