First Busey Corporation Financial Ratios — BUSEP 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 (%)	7.84	5.57	7.39	9.11	10.44	10.27	8.2	10.25	9.29	8.06	9.54	10.41	10.14	8.56	7.02
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 (%)	3.69	-0.62	4.33	4.42	5.55	5.57	4.19	6.21	5.22	4.2	5.61	6.28	5.75	4.48	2.3

Credit (USD)

Credit Ratios API ChatGPT

	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	9.89	9.29	9.68	9.85	9.33	10.95	11.89	12.92	12.59	12.05	10.26	9.29	10.36	11.48	13.64
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 (%)	15.39	13.17	11.69	19.49	26.57	18.39	16.31	18.1	17.65	19.36	20.8	31.48	20.75	18.48	11.57
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 (%)	15.39	13.17	11.69	19.49	26.57	27.54	32.25	18.1	18.22	19.65	21.84	47.55	21.49	18.48	11.57
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 (%)	-142.7	-241.97	-73.97	-117.69	-97.55	9.05	9.44	-2.07	-27.71	-43.22	-56.12	40.8	-42.5	-39.54	-0.39
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)

Liquidity Ratios API ChatGPT

	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	9.89	9.29	9.68	9.85	9.33	10.95	11.89	12.92	12.59	12.05	10.26	9.29	10.36	11.48	13.64
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 (%)	15.39	13.17	11.69	19.49	26.57	18.39	16.31	18.1	17.65	19.36	20.8	31.48	20.75	18.48	11.57
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 (%)	15.39	13.17	11.69	19.49	26.57	27.54	32.25	18.1	18.22	19.65	21.84	47.55	21.49	18.48	11.57
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	-0.05	-0.05	-0.04	-0.04	-0.02	- -	0.01	0.03	0.04	0.04	0.04	0.06	0.06	0.07	0.15

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,256
- 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	-1,000	-1,218	-945	-921	-1,019	-701	-775	-718	-1,906	-2,639	-4,449	-1,650	-2,459	-2,194	103
Total Capital	484	471	470	539	508	820	1,380	1,215	1,492	1,581	1,688	2,185	1,620	1,697	2,792
Total Debt/Capital (%)	15.39	13.17	11.69	19.49	26.57	27.54	32.25	18.1	18.22	19.65	21.84	47.55	21.49	18.48	11.57
Total Debt / EV	-0.07	-0.05	-0.06	-0.11	-0.13	-0.32	-0.57	-0.31	-0.14	-0.12	-0.08	-0.63	-0.14	-0.14	3.14
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.14
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.41
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.53
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	-168	-217	-104	-162	-184	59	97	-20	-257	-378	-467	812	-371	-384	29
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.17
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)

Valuation Multiples API ChatGPT

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1,000	-1,218	-945	-921	-1,019	-701	-775	-718	-1,906	-2,639	-4,449	-1,650	-2,459	-2,194	103
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.7
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.14
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.41
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.91
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.9
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.88
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.15
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.09
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	- -	- -	- -	- -	0.26	0.34	- -	- -	- -	- -	1.8	- -	- -	3.13
EV/Sales High	- -	- -	- -	- -	- -	0.26	0.34	- -	- -	- -	- -	1.8	- -	- -	3.22
EV/Sales Low	- -	- -	- -	- -	- -	0.26	0.34	- -	- -	- -	- -	1.8	- -	- -	3.05
EV/EBITDA Average	-18.53	-24.73	-12.09	-19.13	-20.73	5.04	6.34	-1.19	-10.66	-13.52	-16.59	31.65	-16.36	-18.68	74.64
EV/EBITDA High	-18.53	-24.73	-12.09	-19.13	-20.73	5.04	6.34	-1.19	-10.66	-13.52	-16.59	31.65	-16.36	-18.68	76.77
EV/EBITDA Low	-18.53	-24.73	-12.09	-19.13	-20.73	5.04	6.34	-1.19	-10.66	-13.52	-16.59	31.65	-16.36	-18.68	72.62
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.75
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.13
Enterprise Value Average	-168	-217	-104	-162	-184	59	97	-20	-257	-378	-467	812	-371	-384	2,254
Enterprise Value High	-168	-217	-104	-162	-184	59	97	-20	-257	-378	-467	812	-371	-384	2,319
Enterprise Value Low	-168	-217	-104	-162	-184	59	97	-20	-257	-378	-467	812	-371	-384	2,193

Shares Outstanding	29	29	29	29	29	38	49	49	55	54	55	55	55	57	88
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	39.71	46.82	37.08	37.94	40.22	24.23	25.07	19.18	39.74	54.22	86.9	48.64	50.81	44.08	28.26
Book Value per Share	11.66	11.63	11.84	12.47	13.01	15.54	19.21	20.36	22.28	23.34	23.8	20.73	23.02	24.31	28.18
Tangible Book Value per Share	10.38	10.48	10.8	11.52	11.86	12.37	12.88	14.21	15.46	16.66	17.01	14.14	16.62	17.88	22.69

First Busey Corporation