First Busey Corporation (BUSEP) 주식 분석

회사 개요

First Busey Corporation operates as a bank holding company that oversees Busey Bank, providing a comprehensive suite of retail and commercial banking products and services to individual, corporate, institutional, and governmental customers across the United States. The firm is categorized within the Financial Services sector and specifically functions in the Banks - Regional industry, a classification that denotes its focus on localized lending and deposit gathering rather than nationwide universal banking. In terms of scale, the company employs 1,880 individuals, though specific market capitalization data is not currently disclosed in the available records. The absence of a reported market cap figure, combined with an annual revenue of $666.84 million, suggests the valuation dynamics are driven more by tangible assets and regulatory capital requirements than by speculative market sentiment often seen in smaller-cap regional peers.

재무 건전성

The company reported a trailing twelve-month revenue of $666.84 million and a net income of $125.39 million, while EBITDA figures are not disclosed in the current dataset. The substantial difference between the total revenue of $666.84 million and the net income of $125.39 million reveals a cost structure where operating expenses, including interest-bearing liabilities and administrative costs, consume a significant portion of top-line growth before reaching the bottom line. Although free cash flow data is unavailable, the entity holds $321.74 million in cash assets against $532.21 million in debt, indicating a leverage position where liabilities exceed liquid cash reserves. Profitability is highlighted by a gross margin of 0.0%, which is standard for financial institutions due to the nature of fee-based and interest income recognition, an operating margin of 17.6%, and a profit margin of 20.3%. The current ratio is not disclosed, so a direct assessment of short-term liquidity relative to current liabilities cannot be quantified using the provided metrics. Management effectiveness is evidenced by a return on equity of 7.0% and a return on assets of 0.9%, metrics that indicate the company generates modest returns on its total asset base but maintains a moderate yield on shareholder equity.

밸류에이션 평가

Trailing P/E and forward P/E ratios are not available in the current data, preventing a direct comparison of historical earnings versus future expectations regarding the earnings trajectory. The price-to-book ratio stands at 0.91, which indicates that the company is trading at a discount relative to its book value, suggesting the market values its equity at 91 cents on the dollar rather than a premium. Price-to-sales and EV/EBITDA multiples are also not disclosed, meaning alternative valuation metrics cannot be utilized to suggest value relative to sales or enterprise earnings. The stock has traded within a 52-week range bounded by a high of $26.65 and a low of $24.70, providing a clear historical context for recent price action. The beta value of 0.71 indicates that the stock exhibits lower volatility than the broader market, moving approximately 29% less than the market index during periods of standard fluctuation.

Growth & Income

Revenue growth for the trailing twelve months reached 70.5% year-over-year, while earnings growth recorded 26.9% for the same period, implying that earnings are growing at a slower pace than revenue, likely due to rising operational costs or margin compression. The company offers a dividend yield of 8.0%, though the payout ratio is not disclosed, which limits the ability to calculate the exact proportion of earnings distributed to shareholders. Given the lack of a disclosed payout ratio, it is impossible to definitively determine the sustainability of the dividend based on the provided financial data alone. The overall growth and income profile is characterized by significant top-line expansion in the double digits and a high yield, suggesting a balance between capital appreciation potential and income generation for holders of the stock.