BUSENasdaqState Commercial BanksUS GAAP · USD

First Busey Corporation

First Busey Corporation is a U.S. financial holding company headquartered in Leawood, Kansas, with banking roots in Illinois and a footprint that now spans 10 states. Through Busey Bank, it provides commercial and consumer banking, wealth management, and fiduciary services, while FirsTech adds payment technology and receivables processing for business clients.

Kysy yhtiöstä
Liikevaihto720milj. USD
+55,7 %v/v
Nettotulos135milj. USD
+19,0 %v/v
Vapaa kassavirta173milj. USD
+0,6 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

0200400600800milj. USD20202021202220232024: 462 milj. USD20242025: 720 milj. USD2025720
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: First Busey Corporation

Liiketoiminta

Osuus liikevaihdosta
Banking65 %

Deposit accounts, lending, treasury management, card services, and branch-based banking.

Wealth Management20 %

Investment management, trust, fiduciary, brokerage, tax, philanthropic, and farm management services.

Payment Technology Solutions10 %

FirsTech’s multi-channel payment processing, lockbox, and receivables solutions for businesses.

Specialty Lending5 %

Targeted lending verticals including Life Equity Lending, Sponsor Finance, Energy Lending, and SBA Lending.

Asiakkaat

Busey serves individuals, small and middle-market businesses, and corporate clients that need relationship banking, credit, and cash-management services. It also serves wealth clients, foundations, businesses with retirement and succession needs, and agricultural customers through farm management and brokerage services. FirsTech primarily sells to business clients and financial institution partners that need outsourced payment collection and remittance processing.

Individuals and households

Buy deposit accounts, consumer loans, mortgage services, and personal wealth planning.

Small and middle-market businesses

Use commercial loans, treasury management, card services, and cash-management solutions.

Corporate and sponsor finance clients

Buy structured commercial lending, sponsor finance, and specialized credit solutions.

Wealth management and trust clients

Purchase investment management, fiduciary, estate, tax, and philanthropic advisory services.

Financial institution partners

Use FirsTech’s payment processing, merchant referral, and lockbox services.

Agricultural clients and foundations

Use farm management, brokerage, and fiduciary services tailored to specialized needs.

Strategia

Busey’s strategy centers on relationship banking, conservative underwriting, and diversified fee businesses that reduce reliance on any single loan segment. Growth has been reinforced by acquisitions, especially CrossFirst Bankshares in 2025 and M&M Bank in 2024, which expanded scale, geography, and specialty lending capabilities. Management also emphasizes maintaining capital well above regulatory minimums to preserve flexibility through economic cycles.

Integrate CrossFirst and M&M acquisitionsLyhyt aikaväli

Integration determines whether acquired scale translates into earnings, cross-sell, and cost synergies.

Deepen relationship banking and specialty lendingKeskipitkä aikaväli

Diversified, relationship-based credit supports pricing power and lowers concentration risk.

Expand fee-based businessesKeskipitkä aikaväli

Wealth management and payment technology provide noninterest income and reduce spread dependence.

Maintain strong capital and liquidityPitkä aikaväli

High capital buffers support regulatory compliance, acquisition capacity, and downturn resilience.

Maantiede

Busey’s core banking franchise is concentrated in Illinois, especially central Illinois, suburban Chicago, and the St. Louis metro area, while its branch network extends across 10 states. The company also has banking centers in Missouri, Texas, Colorado, Florida, Kansas, Oklahoma, Arizona, Indiana, and New Mexico, which broadens deposit gathering and lending opportunities but also increases local economic exposure. FirsTech serves business clients across the United States, making payment technology a national rather than branch-based business.

Riskit

Busey’s main risks come from credit quality, economic conditions in its operating states, and the execution risk of integrating acquisitions. As a bank and payments provider, it also faces regulatory, cyber, fraud, vendor, and technology risks that can affect customer trust, compliance, and operating continuity. New product launches and digital-asset-related market changes add competitive and compliance uncertainty even where the company does not directly offer those products.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit deterioration in operating markets1Acquisition integration risk2Cybersecurity and third-party/vendor risk3Regulatory and compliance risk4Fraud and unauthorized transactions5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit deterioration in operating marketsVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Loan performance depends on regional economic conditions and borrower health across Busey’s footprint.

    Kohdistuu: Illinois and other Midwest/Sun Belt markets

  2. Acquisition integration riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    CrossFirst and prior acquisitions must be integrated without disrupting customers, systems, or controls.

    Kohdistuu: CrossFirst Bank and M&M Bank integration

  3. Cybersecurity and third-party/vendor riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Banking and payment processing rely on secure systems and outsourced providers.

    KohdistuuFirsTechDigital bankingPayment networksSubcontractors
  4. Regulatory and compliance riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Banks face capital, liquidity, AML, consumer, and payments regulation that can change quickly.

    KohdistuuBankingWealth managementPayment technology
  5. Fraud and unauthorized transactionsVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Identity theft, phishing, and payment fraud can create direct losses and reputational damage.

    KohdistuuDeposit accountsOnline paymentsCard services
Kysy Clarifolta: First Busey Corporation

Kirjanpito

Harkinnanvaraiset erät
Fair value of assets acquired and liabilities assumed

Acquisition accounting determines goodwill and the initial carrying values of acquired loans and deposits.

Vaikutus: Can materially affect balance sheet values and future earnings through accretion or impairment

Goodwill impairment

Goodwill from acquisitions is not amortized and must be tested for impairment when conditions change.

Vaikutus: Potential for large noncash charges if acquired businesses underperform

Allowance for credit losses

Loan-loss estimates depend on economic forecasts, borrower performance, and portfolio mix.

Vaikutus: Directly affects provision expense and reported earnings

Securities valuation

Realized and unrealized gains/losses on securities flow through noninterest income and capital.

Vaikutus: Can add volatility to quarterly results

Deferred taxes

Deferred tax assets and liabilities reflect timing differences and realizability judgments.

Vaikutus: Can affect effective tax rate and equity

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Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

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Päivitetty: 24.9.2026

First Busey Corporation (BUSE) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo