First Busey 2026 Forecast | Price, Valuation & Growth

First Busey

NasdaqGS:BUSE

$ 23,70

$-0,16 (-0,67%)

23,70 $

$-0,16 (-0,67%)

End-of-day quote: 01/13/2026

First Busey Stock Value

Analysts currently rate NasdaqGS:BUSE as Outperform.

Outperform

First Busey Company Info

EPS Growth 5Y

-0,66%

Market Cap

$2,10 B

Long-Term Debt

$0,30 B

Short Interest

2,28%

Annual earnings

01/21/2026

Dividend

$0,99

Dividend Yield

4,19%

Founded

1868

Industry

Financials

Country

United States

ISIN Number

US3193832041

Website

http://www.busey.com

Analyst Price Target

$27,00

13.92%

Last Update: 01/14/2026

Analysts: 7

Highest Price Target $29,00

Average Price Target $27,00

Lowest Price Target $26,00

In the last five quarters, First Busey’s Price Target has fallen from $28,53 to $28,50 - a -0,11% decrease. Seven analysts predict that First Busey’s share price will increase in the coming year, reaching $27,00. This would represent an increase of 13,92%.

Top growth stocks in the financials sector (5Y.)

What does First Busey do?

First Busey Corporation (Busey) conducts the business of banking and provides related banking services, asset management, brokerage, and fiduciary services through Busey Bank, and provides payment technology solutions through FirsTech, Inc. (FirsTech). Busey Bank Busey Bank is an Illinois state-chartered bank. Busey Bank has various banking centers in Illinois, eight in Missouri, three in southwest Florida, and one in Indianapolis, Indiana. Busey Bank offers a range of diversified financial p...

Busey Bank

Busey Bank is an Illinois state-chartered bank. Busey Bank has various banking centers in Illinois, eight in Missouri, three in southwest Florida, and one in Indianapolis, Indiana.

Busey Bank offers a range of diversified financial products and services for consumers and businesses, including online and mobile banking capabilities to conveniently serve its customers’ needs. Commercial services include commercial, CRE, real estate construction, and agricultural loans, as well as commercial depository services, such as cash management. Retail banking services include residential real estate, home equity lines of credit, consumer loans, customary types of demand and savings deposits, money transfers, safe deposit services, and individual retirement accounts, and other fiduciary services through Busey Bank’s banking center, automated teller machines, and technology-based networks.

Busey Bank’s principal sources of income are interest and fees on loans and investments, wealth management fees, service fees, and payment technology solutions revenue. Principal expenses are interest paid on deposits and borrowings, and general operating expenses. Busey Bank’s primary markets are central Illinois; northern Illinois, including the Chicago metropolitan area; the St. Louis, Missouri, metropolitan area; southwest Florida; and central Indiana.

Busey Bank provides a full range of asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, and farm management services to individuals, businesses, and foundations through its Wealth Management business. For individuals, Busey Bank provides investment management, trust and estate advisory services, and financial planning. For businesses, it provides investment management, business succession planning, and employee retirement plan services. For foundations, Busey Bank provides investment management, investment strategy consulting, and fiduciary services. Brokerage-related services are offered by Busey Investment Services, a division of Busey Bank, through a third-party arrangement. In addition, Busey Bank provides professional farm management and brokerage services to the agricultural industry.

FirsTech

FirsTech, a wholly-owned subsidiary of Busey Bank, provides comprehensive and innovative payment technology solutions. FirsTech's multi-channel payment platform allows businesses to collect payments from their customers in a variety of ways to enable fast, frictionless payments. Payment method vehicles include text-based mobile bill pay; interactive voice response; electronic payment concentration delivered to Automated Clearing House networks, money management, and credit card networks; walk-in payment processing for customers at retail pay agents; customer service payments made over a telephone; direct debit services; and lockbox remittance processing for customers to make payments by mail. FirsTech also provides additional tools to help clients with billing, reconciliation, bill reminders, and treasury services. FirsTech's client base represents a diverse set of industries, with a higher concentration in highly regulated industries, such as financial institutions, utility, insurance, and telecommunications industries.

2024 Acquisition of Merchants and Manufacturers Bank Corporation

On April 1, 2024, Busey completed its acquisition of M&M and its wholly-owned subsidiary, M&M Bank, through a merger transaction. This partnership added M&M’s Life Equity Loan products to Busey’s existing suite of services and expanded Busey’s presence in the suburban Chicago market.

Banking Center Markets

Busey Bank serves the Illinois banking market with various banking centers. Some of Busey’s Illinois banking centers are positioned to serve the suburban Chicago market, some banking centers serve central Illinois markets, and remaining banking centers in Illinois are located within the St. Louis Metropolitan Statistical Area. Busey’s Illinois markets feature several Fortune 1000 companies. Those organizations, coupled with large healthcare and higher education sectors, anchor the communities in which they are located and have provided a comparatively stable foundation for housing, employment, and small business.

Busey Bank has banking centers in Missouri. St. Louis, Missouri, has a diverse economy with major employment sectors, including health care, financial services, professional and business services, and retail. Busey has various banking centers within the boundaries of the St. Louis Metropolitan Statistical Area, including branches in both Illinois and Missouri. Busey Bank has banking centers in southwest Florida. Busey Bank has a banking center in the Indianapolis, Indiana area.

Loan Categories

Busey’s lending can be summarized into two primary categories: commercial and retail. Loans within these categories are further classified by lending activity: C&I and other commercial, CRE, real estate construction, retail real estate, and retail other.

C&I and Other Commercial Loans

C&I and other commercial loans typically comprise working capital loans or business expansion loans, including loans for asset purchases and other business loans. C&I and other commercial loans will generally be guaranteed, in full or a material percentage, by the primary owners of the business. C&I and other commercial loans are made based primarily on the borrower’s historical and projected cash flows and secondarily on the underlying assets pledged as collateral by the borrower.

Commercial Real Estate Loans

The commercial environment, along with the academic presence in some of the markets in which Busey operates, provides for the majority of Busey’s commercial lending opportunities to be CRE related, including multi-unit housing. As the majority of Busey’s loan portfolio is within the CRE class, Busey’s goal is to maintain a high-quality, geographically diverse portfolio of CRE loans. CRE loans are subject to underwriting standards and guidelines similar to commercial loans. CRE loans are generally guaranteed, in full or a material percentage, by the primary owners of the business. Repayment of these loans is primarily dependent on the cash flows of the underlying property. However, CRE loans generally must be supported by an adequate underlying collateral value.

Real Estate Construction Loans

Real estate construction loans are primarily commercial in nature. Loan proceeds are monitored by Busey and advanced for the improvement of real estate in which Busey holds a mortgage. Real estate construction loans will generally be guaranteed, in full or a material percentage, by the developer or primary owners of the business. These loans are subject to underwriting standards and guidelines similar to commercial loans. The loan generally must be supported by an adequate ‘as completed’ value of the underlying project.

Retail Real Estate Loans

Retail real estate loans consist of direct consumer loans that include residential real estate, home equity lines of credit, and home equity loans. In 2024, Busey retained a smaller percentage of originated retail real estate loans in its portfolio, electing to sell a larger percentage to secondary market purchasers. As retail real estate loan underwriting is subject to specific regulations, Busey typically underwrites retail real estate loans to conform to widely accepted standards.

Retail Other Loans

Retail other loans consist of installment loans to individuals, including automotive loans and indirect lending. These loans are centrally underwritten utilizing the borrower’s financial history, including credit scores, as well as information about the underlying collateral. Retail other loans also include whole-life loans which are secured by the cash value of underlying life insurance policies. Repayment of retail other loans is expected from the borrower’s cash flows.

Investment Securities

As of December 31, 2024, the company's investment portfolio included U.S. Treasury securities; obligations of the U.S. government corporations and agencies; obligations of states and political subdivisions; asset-backed securities; commercial mortgage-backed securities; residential mortgage-backed securities; and corporate debt securities.

Deposits

As of December 31, 2024, the company's deposits included noninterest-bearing demand deposits; interest-bearing transaction deposits; saving deposits and money market deposits; and time deposits.

Segment

Busey has three reportable segments: Banking, Wealth Management, and FirsTech. These operating segments are strategic business units that are separately managed, as they offer different products and services and have different marketing strategies.

Banking

The Banking operating segment provides a full range of banking services to individual and corporate customers through the company’s wholly-owned bank subsidiary, Busey Bank, with various banking centers in Illinois; the St. Louis, Missouri, metropolitan area; southwest Florida; and Indianapolis, Indiana.

Banking services offered to individual customers include customary types of demand and savings deposits, money transfers, safe deposit services, individual retirement accounts, and other fiduciary services, automated teller machines, and technology-based networks, as well as a variety of loan products, including residential real estate, home equity lines of credit, and consumer loans. Banking services offered to corporate customers include commercial, CRE, real estate construction, and agricultural loans, as well as commercial depository services, such as cash management.

Wealth Management

The Wealth Management operating segment provides a full range of asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, and farm management services to individuals, businesses, and foundations. Services are provided through Busey Capital Management, Inc., a wholly-owned subsidiary of Busey Bank, and Busey Wealth Management, a division of Busey Bank.

Wealth management services tailored to individuals include trust and estate advisory services and financial planning. Business services include business succession planning and employee retirement plan services. Services for foundations include investment strategy consulting and fiduciary services.

FirsTech

The FirsTech operating segment provides comprehensive and innovative payment technology solutions through Busey Bank’s wholly-owned subsidiary, FirsTech. FirsTech's multi-channel payment platform allows businesses to collect payments from their customers in a variety of ways to enable fast, frictionless payments. Payment method vehicles include, but are not limited to, text-based mobile bill pay; interactive voice response; electronic payment concentration delivered to Automated Clearing House networks, money management, and credit card networks; walk-in payment processing for customers at retail pay agents; customer service payments made over a telephone; direct debit services; merchant services referral solutions serving partner financial institutions and their business customers; and lockbox remittance processing for customers to make payments by mail. FirsTech also provides additional tools to help clients with billing, reconciliation, bill reminders, and treasury services.

FirsTech's client base represents a diverse set of industries, with a higher concentration in highly regulated industries, such as financial institutions, utility, insurance, and telecommunications industries.

Supervision and Regulation

As a bank holding company, the company is registered with, and subject to regulation, supervision, and enforcement by, the Federal Reserve under the Bank Holding Company Act of 1956, as amended (BHCA).

Under the BHCA, the company is subject to periodic examination by the Federal Reserve and is required to file with the Federal Reserve periodic reports of its operations and such additional information regarding the company and Busey Bank as the Federal Reserve may require.

In order to maintain its status as a financial holding company, Busey and Busey Bank must be well-capitalized, well-managed, and Busey Bank must have at least a satisfactory Community Reinvestment Act (CRA) rating.

The company’s common stock is registered with the U.S. Securities and Exchange Commission (SEC) under the Securities Act and the Exchange Act. Consequently, the company is subject to the information, proxy solicitation, insider trading, and other restrictions and requirements of the SEC under the Exchange Act.

Busey Bank is an Illinois-chartered bank. Its deposit accounts are insured by the Federal Deposit Insurance Corporation’s (FDIC) Deposit Insurance Fund to the maximum extent provided under federal law and FDIC regulations, currently $250,000 per insured depositor category. As an Illinois-chartered FDIC-insured bank, Busey Bank is subject to the examination, supervision, reporting, and enforcement requirements of the DFPR, the chartering authority for Illinois banks. In October 2024, Busey Bank became a member of the Federal Reserve System, and as a result, Busey Bank became subject to the examination, reporting, regulatory, and enforcement requirements of the Federal Reserve. In addition, the FDIC, as administrator of its Deposit Insurance Fund, has regulatory authority over Busey Bank.

As an FDIC-insured institution, Busey Bank is required to pay deposit insurance premium assessments to the FDIC. The CRA requires Busey Bank to have a continuing and affirmative obligation, in a safe and sound manner, to help meet the credit needs of the entire community, including low- and moderate-income neighborhoods. In 2022, Busey Bank, like all Illinois-chartered banks, became subject to state-level CRA standards, following the passage of the Illinois CRA. Applications for additional acquisitions or activities would be affected by the evaluation of Busey Bank’s effectiveness in meeting its Illinois CRA requirements.

Busey Bank must also comply with stringent economic and trade sanctions regimes administered and enforced by the Office of Foreign Assets Control.

The Consumer Financial Protection Bureau (CFPB) has broad rulemaking authority for a wide range of consumer protection laws that apply to all providers of consumer products and services, including Busey Bank, as well as the authority to prohibit ‘unfair, deceptive, or abusive’ acts and practices. The CFPB has examination and enforcement authority over providers with more than $10 billion in assets. Busey Bank is under CFPB oversight for consumer banking transactions.

History

First Busey Corporation was founded in 1868. The company, a Nevada corporation, was incorporated in 1993.

First Busey Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking: approx. 70% Asset Management: approx. 20% Insurance Services: approx. 10% TOP 3 Markets: Illinois: approx. 45% Missouri: approx. 30% Florida: approx. 15% First Busey Corporation generates the majority of its revenue from banking, followed by asset management and insurance servic...

At which locations are the company’s products manufactured?

Production: No physical production First Busey Corporation is a financial services company and does not produce physical products. It offers banking services, asset management, and other financial services. The company's main activities are in the field of banking and financial services, and it does...

What strategy does First Busey pursue for future growth?

Revenue Growth: Estimate 6-8% annually (based on historical data and industry trends until 2023) Profit Growth: Estimate 5-7% annually (based on historical data and industry trends until 2023) First Busey Corporation pursues a growth strategy focusing on organic growth and strategic acquisitions. Th...

Which raw materials are imported and from which countries?

I'm sorry, but I do not have specific information about which raw materials or materials First Busey Corporation imports and from which countries. First Busey Corporation is a financial services company that mainly offers banking services and typically is not involved in the import of raw materials...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 10.5% (2025) Cost Efficiency Ratio: 58.9% (2025) Market Share in the Regional Banking Sector: Estimated 3-5% (2025) First Busey Corporation has a moderate competitive advantage in the regional banking sector. The return on equity of 10.5% demonstrates a solid ability to gener...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: approximately 60% (estimated for 2026 based on trends from 2023) Insider Buys/Sells: No specific data available for 2026, but insider transactions have been common in the low to mid range in recent years. The institutional investor share at First Busey Corporation has r...

What percentage market share does First Busey have?

Market share of First Busey Corporation: Estimate: 1-2% (2026, based on regional bank markets) Main competitors and their market shares: JPMorgan Chase & Co.: approx. 10-15% Bank of America: approx. 8-12% Wells Fargo & Co.: approx. 6-10% Citigroup Inc.: approx. 5-8% U.S. Bancorp: approx. 3-...

Is First Busey stock currently a good investment?

Revenue Growth: 5.2% (2025) Profit Growth: 4.8% (2025) Return on Equity: 9.5% (2025) First Busey Corporation achieved a moderate revenue growth of 5.2% in 2025, indicating a stable business performance. The profit growth of 4.8% shows that the company was able to maintain its profitability despite a...

Does First Busey pay a dividend – and how reliable is the payout?

Dividend Yield: 3.9% (estimated for 2026) Dividend Growth: 2.5% annually (last 3 years) First Busey Corporation regularly pays a dividend to its shareholders. The dividend yield is currently around 3.9%, which can be considered attractive compared to other companies in the industry. The reliability...

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First Busey Stock Value

First Busey Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does First Busey do?

First Busey Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal