MeritValue

FIRST BUSEY CORP /NV/

BUSEdata completeness 100%17 fiscal years on file

Data notes: no data for concept 'epsDiluted'

i. The business — what you’d actually own
FigureFY 2021FY 2022FY 2023FY 2024FY 2025
Revenue$298.8M1$450.2M2$441.8M3$462.3M3$719.6M3
Net income$123.4M4$128.3M5$122.6M6$113.7M6$135.3M6
Operating cash flow$162M7$165.8M8$173.4M9$178.3M9$192.6M9
Capital expenditure$5.04M10$4.99M11$9.53M12$6.43M12$19.6M12
Free cash flow (derived)$157M7$160.8M8$163.9M9$171.8M9$173M9
Total debt$17.7M13$351.1M14$12M14$015$015
Cash & equivalents$836.1M16$227.2M17$719.6M18$697.7M19$294.1M19
Diluted shares56.0M56.1M56.3M57.5M85.1M

Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom).

ii. Your slice — ownership made literal
If you owned
shares
You’d own
0.000012%
of the whole company
Your share of last year’s profit
$15.89
Your share of its debt
$0
Your share of free cash flow
$20.32
iii. What it’s worth — engine v0.1.0
DCF · Growth Exit 10Y
$36.74
assumptions (10)
  • riskFreeRate4.5%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears10
  • fcfGrowth2.6%
  • fcfBase$171.8M
DCF · Growth Exit 5Y
$36.6
assumptions (10)
  • riskFreeRate4.5%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears5
  • fcfGrowth2.6%
  • fcfBase$171.8M
Earnings Power Value
$15.28
assumptions (8)
  • riskFreeRate4.5%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • normalizedEarnings$123.4M
  • growthAssumed0.0%
Graham Number
not applicable
diluted EPS missing or non-positive — Graham Number undefined

Different models answer different questions — which to trust when →

iv. The price question — last, on purpose
What does today’s price assume?
Type a price. The ledger answers.
Or set your own belief
FCF growth, next 5 years2.6%
Discount rate (WACC)8.78%
Terminal growth2.5%
At your growth, a share is worth $36.6

Default growth 2.6%= this company’s own filed history (median-to-median FCF CAGR, clamped 0–20%). Your adjustments are recorded anonymously. They become the “what do owners actually believe” dataset.

Sources — the receipts
  1. 10-K · period ending 2021-12-31 · accession 0000314489-24-000054 (InterestAndDividendIncomeOperating)
  2. 10-K · period ending 2022-12-31 · accession 0000314489-25-000041 (Revenues)
  3. 10-K · period ending 2023-12-31 · accession 0000314489-26-000013 (Revenues)
  4. 10-K · period ending 2021-12-31 · accession 0000314489-24-000054 (NetIncomeLoss)
  5. 10-K · period ending 2022-12-31 · accession 0000314489-25-000041 (NetIncomeLoss)
  6. 10-K · period ending 2023-12-31 · accession 0000314489-26-000013 (NetIncomeLoss)
  7. 10-K · period ending 2021-12-31 · accession 0000314489-24-000054 (NetCashProvidedByUsedInOperatingActivities)
  8. 10-K · period ending 2022-12-31 · accession 0000314489-25-000041 (NetCashProvidedByUsedInOperatingActivities)
  9. 10-K · period ending 2023-12-31 · accession 0000314489-26-000013 (NetCashProvidedByUsedInOperatingActivities)
  10. 10-K · period ending 2021-12-31 · accession 0000314489-24-000054 (PaymentsToAcquirePropertyPlantAndEquipment)
  11. 10-K · period ending 2022-12-31 · accession 0000314489-25-000041 (PaymentsToAcquirePropertyPlantAndEquipment)
  12. 10-K · period ending 2023-12-31 · accession 0000314489-26-000013 (PaymentsToAcquirePropertyPlantAndEquipment)
  13. 10-K · period ending 2021-12-31 · accession 0000314489-23-000010 (ShortTermBorrowings)
  14. 10-K · period ending 2022-12-31 · accession 0000314489-24-000054 (ShortTermBorrowings)
  15. 10-K · period ending 2024-12-31 · accession 0000314489-26-000013 (ShortTermBorrowings)
  16. 10-K · period ending 2021-12-31 · accession 0000314489-23-000010 (CashAndCashEquivalentsAtCarryingValue)
  17. 10-K · period ending 2022-12-31 · accession 0000314489-24-000054 (CashAndCashEquivalentsAtCarryingValue)
  18. 10-K · period ending 2023-12-31 · accession 0000314489-25-000041 (CashAndCashEquivalentsAtCarryingValue)
  19. 10-K · period ending 2024-12-31 · accession 0000314489-26-000013 (CashAndCashEquivalentsAtCarryingValue)