First Busey Corp Financials
This page shows First Busey Corp (BUSEP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
First Busey Corp's revenue surged 55.7% year-over-year to $719.6M, reflecting rapid business expansion. This strong growth earns a score of 100/100.
First Busey Corp carries a low D/E ratio of 0.05, meaning only $0.05 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
First Busey Corp converts 24.0% of revenue into free cash flow ($173.0M). This strong cash generation earns a score of 100/100.
First Busey Corp generates a 5.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 22/100. This is down from 8.2% the prior year.
First Busey Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, First Busey Corp generates $1.42 in operating cash flow ($192.6M OCF vs $135.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
First Busey Corp generated $719.6M in revenue in fiscal year 2025. This represents an increase of 55.7% from the prior year.
First Busey Corp generated $173.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 0.6% from the prior year.
First Busey Corp reported $135.3M in net income in fiscal year 2025. This represents an increase of 19.0% from the prior year.
First Busey Corp held $294.1M in cash against $113.8M in long-term debt as of fiscal year 2025.
First Busey Corp paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 4.2% from the prior year.
First Busey Corp had 88M shares outstanding in fiscal year 2025. This represents an increase of 54.0% from the prior year.
First Busey Corp's net profit margin was 18.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.8 percentage points from the prior year.
First Busey Corp's ROE was 5.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.7 percentage points from the prior year.
First Busey Corp spent $69.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
First Busey Corp invested $19.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 205.1% from the prior year.
BUSEP Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $200.2M+2.0% | $196.3M-0.9% | $198.0M+58.5% | $125.0M+7.0% | $116.8M-1.4% | $118.5M+1.9% | $116.2M+4.9% | $110.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $77.5M-13.2% | $89.4M-5.2% | $94.3M+49.4% | $63.1M+26.8% | $49.7M-4.3% | $52.0M+5.2% | $49.4M-1.1% | $50.0M |
| Income Tax | $16.7M-17.1% | $20.2M+18.1% | $17.1M+738.6% | -$2.7M-128.9% | $9.3M-12.4% | $10.6M-4.6% | $11.1M+26.7% | $8.7M |
| Net Income | $60.8M+6.4% | $57.1M+20.4% | $47.4M+258.1% | -$30.0M-206.7% | $28.1M-12.2% | $32.0M+17.0% | $27.4M+4.3% | $26.2M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
BUSEP Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $18.1B-0.5% | $18.2B-3.9% | $18.9B-2.8% | $19.5B+61.6% | $12.0B+0.5% | $12.0B+0.1% | $12.0B+0.7% | $11.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $294.1M-23.7% | $385.5M-48.8% | $752.4M-37.3% | $1.2B+72.0% | $697.7M+26.0% | $553.7M+94.1% | $285.3M-51.7% | $591.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $383.3M0.0% | $383.3M+0.4% | $381.8M-0.9% | $385.1M+15.4% | $333.7M+0.1% | $333.5M+0.1% | $333.3M+4.8% | $317.9M |
| Total Liabilities | $15.6B-0.7% | $15.7B-4.6% | $16.5B-4.5% | $17.3B+62.1% | $10.7B+0.8% | $10.6B-0.5% | $10.6B+0.3% | $10.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $113.8M+23.1% | $92.4M | N/A | N/A | $0 | N/A | N/A | N/A |
| Total Equity | $2.5B+0.8% | $2.4B+1.5% | $2.4B+10.7% | $2.2B+57.6% | $1.4B-1.4% | $1.4B+5.2% | $1.3B+4.0% | $1.3B |
| Retained Earnings | $336.7M+11.1% | $303.1M+10.7% | $273.8M+9.7% | $249.5M-15.2% | $294.1M+5.1% | $279.9M+6.9% | $261.8M+5.4% | $248.4M |
BUSEP Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $72.2M+15.5% | $62.5M+26.2% | $49.5M+491.0% | $8.4M-84.0% | $52.3M-13.0% | $60.1M+111.2% | $28.5M-23.8% | $37.4M |
| Capital Expenditures | $6.4M-19.6% | $8.0M+137.1% | $3.4M+87.9% | $1.8M-6.7% | $1.9M+94.9% | $988K-54.1% | $2.2M+57.6% | $1.4M |
| Free Cash Flow | $65.8M+20.7% | $54.5M+18.1% | $46.1M+601.1% | $6.6M-86.9% | $50.4M-14.8% | $59.1M+124.7% | $26.3M-26.8% | $36.0M |
| Investing Cash Flow | $18.5M-94.8% | $356.7M+218.0% | $112.2M-81.6% | $610.2M+1465.3% | $39.0M-85.5% | $268.0M+162.8% | $102.0M-59.0% | $249.0M |
| Financing Cash Flow | -$182.1M+76.8% | -$786.1M-28.9% | -$609.6M-425.7% | -$116.0M-320.2% | $52.7M+188.2% | -$59.7M+86.3% | -$436.2M-5.2% | -$414.8M |
| Dividends Paid | $26.7M-2.6% | $27.4M+21.4% | $22.6M+58.9% | $14.2M+4.2% | $13.6M0.0% | $13.6M+0.2% | $13.6M+2.7% | $13.3M |
| Share Buybacks | $29.8M+120.1% | $13.5M-37.4% | $21.7M+347.8% | $4.8M | $0 | $0 | $0 | $0 |
BUSEP Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.3%+1.3pp | 29.1%+5.1pp | 23.9%+47.9pp | -24.0%-48.1pp | 24.1%-2.9pp | 27.0%+3.5pp | 23.5%-0.1pp | 23.7% |
| Return on Equity | 2.5%+0.1pp | 2.3%+0.4pp | 2.0% | N/A | 2.0%-0.3pp | 2.3%+0.2pp | 2.1%0.0pp | 2.0% |
| Return on Assets | 0.3%+0.0pp | 0.3%+0.1pp | 0.3%+0.4pp | -0.1%-0.4pp | 0.2%-0.0pp | 0.3%+0.0pp | 0.2%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.050.0 | 0.04-6.8 | 6.84-1.1 | 7.93+7.9 | 0.00-7.5 | 7.54-0.4 | 7.98-0.3 | 8.27 |
| FCF Margin | 32.8%+5.1pp | 27.8%+4.5pp | 23.3%+18.0pp | 5.3%-37.9pp | 43.1%-6.8pp | 49.9%+27.3pp | 22.7%-9.8pp | 32.5% |
Frequently Asked Questions
What is First Busey Corp's annual revenue?
First Busey Corp (BUSEP) reported $719.6M in total revenue for fiscal year 2025. This represents a 55.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is First Busey Corp's revenue growing?
First Busey Corp (BUSEP) revenue grew by 55.7% year-over-year, from $462.3M to $719.6M in fiscal year 2025.
Is First Busey Corp profitable?
Yes, First Busey Corp (BUSEP) reported a net income of $135.3M in fiscal year 2025, with a net profit margin of 18.8%.
How much debt does First Busey Corp have?
As of fiscal year 2025, First Busey Corp (BUSEP) had $294.1M in cash and equivalents against $113.8M in long-term debt.
What is First Busey Corp's net profit margin?
First Busey Corp (BUSEP) had a net profit margin of 18.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does First Busey Corp pay dividends?
Yes, First Busey Corp (BUSEP) paid $1.00 per share in dividends during fiscal year 2025.
What is First Busey Corp's return on equity (ROE)?
First Busey Corp (BUSEP) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is First Busey Corp's free cash flow?
First Busey Corp (BUSEP) generated $173.0M in free cash flow during fiscal year 2025. This represents a 0.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is First Busey Corp's operating cash flow?
First Busey Corp (BUSEP) generated $192.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are First Busey Corp's total assets?
First Busey Corp (BUSEP) had $18.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are First Busey Corp's capital expenditures?
First Busey Corp (BUSEP) invested $19.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does First Busey Corp buy back shares?
Yes, First Busey Corp (BUSEP) spent $69.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does First Busey Corp have outstanding?
First Busey Corp (BUSEP) had 88M shares outstanding as of fiscal year 2025.
What is First Busey Corp's debt-to-equity ratio?
First Busey Corp (BUSEP) had a debt-to-equity ratio of 0.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is First Busey Corp's return on assets (ROA)?
First Busey Corp (BUSEP) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is First Busey Corp's Piotroski F-Score?
First Busey Corp (BUSEP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are First Busey Corp's earnings high quality?
First Busey Corp (BUSEP) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is First Busey Corp?
First Busey Corp (BUSEP) scores 80 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.