First Busey Corporation Financial Ratios — BUSE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	217.71	98.19	60.36	42.79	42.88
Return on Assets (%)	0.85	0.64	0.8	0.91	1.02	1.05	0.94	1.27	1.18	0.99	1.05	1.02	1	0.93	0.9
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.35	5.18	5.29	5.27	5.03	5.11	5.34	5.11	5.98	6.97	6.98	5.7	5.15	4.45	4.2
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.47	19.44	26.34	31.34	33.81	33.25	37.56	40.41	33.31	31.96	38.87	35.94	34.93	33.22	25.94
Profit Margin (%)	17.63	13.23	17.66	20.42	22.09	21.62	21.79	29.85	25.51	25.01	30.59	28.51	27.81	24.64	18.8
Net Income to Common Margin (%)	14.48	11.08	15.43	19.96	21.69	21.62	21.79	29.85	25.51	25.01	30.59	28.51	27.81	24.64	18.8
Effective Tax Rate (%)	33.38	31.95	32.94	34.85	34.67	34.97	41.98	26.13	23.42	21.73	21.28	20.67	20.36	25.84	27.53
Dvd Payout Ratio (%)	53	111.06	41.47	51.48	46.78	45.78	48.95	39.43	43.88	47.85	41.12	39.64	43.3	47.65	67.27
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	128.18	59.27	34.22	22.4	14.03

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	74	62	55	105	135	226	445	220	272	311	369	1,039	348	314	323
ST Debt	- -	- -	- -	- -	- -	75	220	- -	9	5	18	351	12	- -	- -
LT Debt	74	62	55	105	135	151	225	220	263	306	351	688	336	314	323
Total Debt/EBITDA	8.21	7.08	6.4	12.42	15.19	19.25	28.96	12.98	11.27	11.12	13.08	40.5	15.34	15.25	10.7
Net Debt/EBITDA	-26.55	-33.02	-20.54	-27.72	-20.73	5.04	6.34	-1.19	-11.06	-13.8	-16.97	31.14	-16.86	-19.22	-0.32
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-7	-6.64	-6.37	-5.74	-4.76	-3.02	-1.68	-0.94	-0.15	0.2	0.72	1.37	1.93	2.44	1.86
Long-Term Debt/Equity (%)	18.18	15.17	13.24	24.21	36.17	25.39	24.08	22.1	21.58	24.09	26.61	60.03	26.43	22.67	13.09
Long-Term Debt/Capital (%)	-81.85	-58.73	-56.14	-321.19	-244.41	242.48	71.91	148.82	102.41	92.3	76.11	56.96	57.42	51.6	48.96
Long-Term Debt/Total Assets (%)	2.19	1.71	1.55	2.86	3.38	2.78	2.86	2.85	2.72	2.9	2.73	5.58	2.74	2.6	1.78
Total Debt/Equity (%)	18.18	15.17	13.24	24.21	36.17	38	47.61	22.1	22.28	24.46	27.95	90.66	27.37	22.67	13.09
Total Debt/Capital (%)	-81.85	-58.73	-56.14	-321.19	-244.41	363.03	142.19	148.82	105.74	93.7	79.94	86.02	59.47	51.6	48.96
Total Debt/Total Assets (%)	2.19	1.71	1.55	2.86	3.38	4.16	5.66	2.85	2.8	2.95	2.87	8.42	2.83	2.6	1.78
Net Debt to Equity	-58.8	-70.76	-42.52	-54.06	-49.38	9.95	10.43	-2.02	-21.87	-30.36	-36.24	69.7	-30.09	-28.56	-0.39
Net Debt/Capital (%)	59.27	63.32	53.59	63	49.2	-56.62	-281.95	21.82	98.09	108.02	127.5	81.46	285.3	439.18	-2.66
EBITDA	9	9	9	8	9	12	15	17	24	28	28	26	23	21	30
EBITDA-CapEx	6	- -	6	5	5	3	- -	5	11	24	23	21	13	14	11
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-7	-6.64	-6.37	-5.74	-4.76	-3.02	-1.68	-0.94	-0.15	0.2	0.72	1.37	1.93	2.44	1.86
Long-Term Debt/Equity (%)	18.18	15.17	13.24	24.21	36.17	25.39	24.08	22.1	21.58	24.09	26.61	60.03	26.43	22.67	13.09
Long-Term Debt/Capital (%)	-81.85	-58.73	-56.14	-321.19	-244.41	242.48	71.91	148.82	102.41	92.3	76.11	56.96	57.42	51.6	48.96
Long-Term Debt/Total Assets (%)	2.19	1.71	1.55	2.86	3.38	2.78	2.86	2.85	2.72	2.9	2.73	5.58	2.74	2.6	1.78
Total Debt/Equity (%)	18.18	15.17	13.24	24.21	36.17	38	47.61	22.1	22.28	24.46	27.95	90.66	27.37	22.67	13.09
Total Debt/Capital (%)	-81.85	-58.73	-56.14	-321.19	-244.41	363.03	142.19	148.82	105.74	93.7	79.94	86.02	59.47	51.6	48.96
Total Debt/Total Assets (%)	2.19	1.71	1.55	2.86	3.38	4.16	5.66	2.85	2.8	2.95	2.87	8.42	2.83	2.6	1.78
CFO/Total Liabilities	3.87	1.53	3.14	2.11	1.7	-0.43	3.66	3.02	1.04	1.76	1.4	1.48	1.57	1.67	1.23
CFO/CapEx	42.17	5.7	38.51	18.03	14.95	-2.32	16.91	17.43	6.67	38.87	32.13	33.23	18.19	27.72	9.82
Altman's Z-Score	0.04	0.03	0.05	0.07	0.08	0.13	0.12	0.14	0.15	0.12	0.12	0.13	0.14	0.15	0.15

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

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Accounts Payable Turnover

- -

Accounts Payable Turnover Days

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Cash Conversion Cycle

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Inventory to Cash Days

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Inventories

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Raw Materials

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Work In Process

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Finished Goods

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Other Inventory

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Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	423	396	502	564	599	1,077	1,278	1,202	1,508	1,176	1,502	1,369	1,376	1,334	2,160
- Cash & Cash Equivalents	315	351	232	339	319	167	348	240	529	689	836	227	720	698	294
+ Preferred Equity and Hybrid Capital	73	73	73	73	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	74	62	55	105	135	226	445	220	272	311	369	1,039	348	314	323
Enterprise Value	-577	-822	-443	-357	-420	377	502	484	-397	-1,463	-2,947	-280	-1,083	-860	6
Total Capital	-91	-106	-98	-33	-55	62	313	148	257	332	461	1,208	585	608	660
Total Debt/Capital (%)	-81.85	-58.73	-56.14	-321.19	-244.41	363.03	142.19	148.82	105.74	93.7	79.94	86.02	59.47	51.6	48.96
Total Debt / EV	-0.13	-0.08	-0.12	-0.29	-0.32	0.6	0.89	0.45	-0.68	-0.21	-0.13	-3.7	-0.32	-0.36	52.29
EV/Sales	- -	- -	- -	- -	- -	1.64	1.75	1.46	- -	- -	- -	- -	- -	- -	0.01
EV/EBITDA	- -	- -	- -	- -	- -	32.09	32.68	28.57	- -	- -	- -	- -	- -	- -	0.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.98	2.39	- -	- -	- -	- -	- -	- -	0.03
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.87	2.26	- -	- -	- -	- -	- -	- -	0.03
Diluted Market Cap	427	403	505	568	600	1,090	1,291	1,208	1,516	1,182	1,519	1,388	1,396	1,356	2,189
Diluted Enterprise Value	259	186	401	406	416	1,149	1,389	1,188	1,259	804	1,052	2,199	1,025	972	2,218
EV per Share	- -	- -	- -	- -	- -	10.76	11.77	9.88	- -	- -	- -	- -	- -	- -	0.07
TTM Sales	169	169	163	161	177	230	288	331	404	401	404	450	441	461	720
TTM EBITDA	9	9	9	8	9	12	15	17	24	28	28	26	23	21	30
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	116	49	98	68	62	-21	253	203	88	163	162	166	173	178	193
TTM Free Cash Flow to Firm	119	58	101	72	66	-12	268	214	102	167	167	171	183	185	212

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.6	6.99	5.01	7.9	9.15	-91.57	4.81	5.64	14.93	7.06	9.09	8.13	7.63	7.34	10.32
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-577	-822	-443	-357	-420	377	502	484	-397	-1,463	-2,947	-280	-1,083	-860	6
Low Price	11.28	12.27	12.48	14.13	17.77	17.68	27.33	23.13	23.44	11	20.58	21.66	16.26	21.68	18.4
EV/Sales	- -	- -	- -	- -	- -	1.64	1.75	1.46	- -	- -	- -	- -	- -	- -	0.01
EV/EBITDA	- -	- -	- -	- -	- -	32.09	32.68	28.57	- -	- -	- -	- -	- -	- -	0.2
Price/Earnings	17.24	21.14	20	17.59	15.63	21.68	20.37	12.15	14.65	11.72	12.16	10.67	11.23	11.74	15.97
Price/Earnings Average	17.13	21.7	16.76	15.8	14.93	15.77	20.39	15.03	13.79	10.51	11.15	10.74	9.56	12.21	15.48
Price/Earnings High	19.66	24.09	21.03	18.21	17.11	21.84	22.37	16.46	14.92	15.1	12.83	12.83	11.67	14.42	17.19
Price/Earnings Low	12.97	18.59	14.34	12.73	13.46	12.45	18.59	11.45	12.49	5.98	9.23	9.35	7.35	10.8	12.35
Price/Book Value	-1.78	-1.65	-2.22	-2.68	-3.15	-6.58	-9.67	-16.66	-102.22	56.3	16.23	8.11	5.8	4.54	6.41
Price/Book Value Average	-1.77	-1.69	-1.86	-2.41	-3.01	-4.79	-9.68	-20.62	-96.22	50.49	14.88	8.16	4.94	4.72	6.22
Price/Book Value High	-2.03	-1.88	-2.34	-2.77	-3.45	-6.63	-10.62	-22.58	-104.08	72.53	17.12	9.75	6.03	5.58	6.91
Price/Book Value Low	-1.34	-1.45	-1.6	-1.94	-2.71	-3.78	-8.83	-15.71	-87.13	28.74	12.32	7.11	3.8	4.17	4.96
Price/Tangible Book Value	1.41	1.31	1.61	1.69	1.76	2.28	2.04	1.73	1.78	1.3	1.59	1.75	1.5	1.31	1.09
Price/Tangible Book Value Average	1.4	1.34	1.35	1.52	1.68	1.66	2.04	2.14	1.68	1.16	1.46	1.76	1.28	1.36	1.05
Price/Tangible Book Value High	1.61	1.49	1.69	1.75	1.93	2.29	2.24	2.35	1.81	1.67	1.68	2.11	1.56	1.61	1.17
Price/Tangible Book Value Low	1.06	1.15	1.15	1.22	1.52	1.31	1.86	1.63	1.52	0.66	1.21	1.53	0.98	1.21	0.84
Price/Sales	2.5	2.34	3.09	3.51	3.39	4.69	4.44	3.63	3.74	2.93	3.72	3.04	3.12	2.89	3
Price/Sales Average	2.48	2.4	2.59	3.15	3.24	3.41	4.44	4.49	3.52	2.63	3.41	3.06	2.66	3.01	2.91
Price/Sales High	2.85	2.67	3.25	3.64	3.71	4.72	4.87	4.91	3.81	3.78	3.92	3.66	3.25	3.55	3.23
Price/Sales Low	1.88	2.06	2.21	2.54	2.92	2.69	4.05	3.42	3.19	1.5	2.82	2.67	2.05	2.66	2.32
Price/Cash Flow	3.65	8.07	5.11	8.28	9.73	-51.55	5.04	5.93	17.08	7.21	9.27	8.26	7.93	7.48	11.21
Price/Cash Flow Average	3.63	8.28	4.29	7.43	9.3	-37.5	5.05	7.34	16.08	6.46	8.5	8.31	6.76	7.79	10.87
Price/Cash Flow High	4.16	9.19	5.38	8.57	10.66	-51.94	5.54	8.04	17.39	9.28	9.77	9.93	8.25	9.2	12.08
Price/Cash Flow Low	2.74	7.09	3.67	5.99	8.38	-29.61	4.6	5.59	14.56	3.68	7.03	7.24	5.2	6.88	8.67
Price/Free Cash Flow Average	3.57	7.17	4.2	7.1	8.74	-66.61	4.82	6.98	14.05	6.33	8.33	8.18	6.5	7.64	10
Price/Free Cash Flow High	4.1	7.96	5.27	8.18	10.02	-92.26	5.28	7.64	15.2	9.09	9.59	9.77	7.93	9.03	11.11
Price/Free Cash Flow Low	2.7	6.14	3.6	5.72	7.88	-52.6	4.39	5.32	12.72	3.6	6.9	7.12	5	6.75	7.98
EV/Sales Average	1.49	1.12	1.95	2.15	2.2	3.67	4.78	4.43	2.88	1.69	2.25	4.87	1.82	2.18	2.95
EV/Sales High	1.85	1.39	2.61	2.63	2.67	4.98	5.21	4.85	3.17	2.83	2.77	5.46	2.4	2.72	3.27
EV/Sales Low	0.89	0.78	1.57	1.53	1.88	2.95	4.39	3.36	2.55	0.55	1.67	4.47	1.2	1.83	2.36
EV/EBITDA Average	27.83	21.67	36.84	40.75	43.62	71.82	89.55	86.59	48.17	24.21	32.26	85.36	35.27	48.86	70.28
EV/EBITDA High	34.67	26.77	49.3	49.87	53.02	97.54	97.62	94.93	52.97	40.68	39.61	95.85	46.63	61.09	77.97
EV/EBITDA Low	16.56	15.01	29.78	29.11	37.28	57.78	82.21	65.68	42.61	7.96	23.85	78.42	23.34	41.02	56.27
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	15	13.95	17.4	19.53	20.63	30.78	29.94	24.54	27.5	21.55	27.12	24.72	24.82	23.57	23.79
High Price	17.1	15.9	18.3	20.21	22.59	31.01	32.88	33.25	28	27.76	28.6	29.73	25.8	28.97	25.62
Enterprise Value Average	252	190	317	345	388	843	1,376	1,467	1,163	677	909	2,190	801	1,005	2,123
Enterprise Value High	314	234	424	422	471	1,144	1,501	1,608	1,278	1,137	1,116	2,458	1,059	1,256	2,355
Enterprise Value Low	150	132	256	246	331	678	1,264	1,113	1,028	222	672	2,011	530	843	1,699

Shares Outstanding	29	29	29	29	29	38	49	49	55	54	55	55	55	57	88
Diluted Weighted Avg Shares	28	29	29	29	29	35	43	49	55	55	56	56	56	58	92
Basic Weighted Avg Shares	28	28	29	29	29	35	43	49	55	55	55	55	55	57	91
Revenue per Share	6.01	5.96	5.64	5.56	6.09	6.57	6.75	6.77	7.36	7.35	7.29	8.13	7.95	8.15	7.93
EBITDA per Share	0.32	0.31	0.3	0.29	0.31	0.34	0.36	0.35	0.44	0.51	0.51	0.46	0.41	0.36	0.33
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.87	0.66	0.87	1.11	1.32	1.42	1.47	2.02	1.88	1.84	2.23	2.32	2.21	2.01	1.49
Basic EPS from Cont Ops	1.06	0.79	1	1.14	1.34	1.42	1.47	2.02	1.88	1.84	2.23	2.32	2.21	2.01	1.49
Diluted EPS, GAAP	0.86	0.65	0.86	1.1	1.32	1.4	1.45	2.01	1.87	1.83	2.2	2.29	2.18	1.98	1.47
Diluted EPS from Cont Ops	1.05	0.77	0.99	1.13	1.34	1.4	1.45	2.01	1.87	1.83	2.2	2.29	2.18	1.98	1.47
Dividend per Share	0.65	0.86	0.49	0.6	0.64	0.65	0.72	0.8	0.82	0.88	0.92	0.92	0.96	0.96	1
Cash Flow per Share	4.11	1.73	3.4	2.36	2.12	-0.6	5.94	4.14	1.61	2.99	2.93	2.99	3.13	3.15	2.12
Free Cash Flow per Basic Share	4.01	1.43	3.31	2.23	1.98	-0.85	5.59	3.9	1.37	2.91	2.83	2.9	2.96	3.04	1.91
Cash & Equivalents per Share	40.67	47.68	37.2	38.05	39.77	26.48	28.6	19.15	39.7	54.06	87	48.54	50.64	44.3	27.28
Book Value per Share	-8.44	-8.47	-7.82	-7.29	-6.56	-4.68	-3.1	-1.47	-0.27	0.38	1.67	3.05	4.28	5.2	3.71
Tangible Book Value per Share	10.64	10.67	10.83	11.55	11.72	13.52	14.69	14.18	15.45	16.61	17.03	14.11	16.56	17.97	21.9

First Busey Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)