Abstract

FIRST BUSEY CORP DEP SHS REPSTG 1/40TH INT NON CUM PE will report quarterly results on January 27, 2026 Post Market; this preview synthesizes its last quarter’s financials and the current quarter’s forecasts, highlighting revenue, margins, EPS, and the main business trajectory for investors tracking near-term performance.

Market Forecast

The current quarter outlook indicates revenue of USD 197.53 million, with an expected year-over-year increase of 69.62%, EBIT of USD 83.22 million with a projected year-over-year rise of 100.60%, and EPS of USD 0.62 showing a forecasted year-over-year expansion of 21.07%. Margin guidance in the data emphasizes profitability resilience, with the last quarter’s net profit margin at 28.93% and gross profit margin unspecified; adjusted EPS is guided at USD 0.62, up 21.07% year over year. The main business remains anchored by banking services, expected to see stable growth supported by deposit and loan-related income with incremental contributions from wealth management and remittance processing. The most promising segment is banking, which generated USD 174.56 million last quarter and is positioned to consolidate gains due to scale advantages and steady customer activity; wealth management at USD 17.37 million also contributes positively with further cross-sell potential.

Last Quarter Review

In the prior quarter, FIRST BUSEY CORP DEP SHS REPSTG 1/40TH INT NON CUM PE reported revenue of USD 196.34 million, a year-over-year increase of 65.70%, a net profit attributable to the parent company of USD 57.10 million, a net profit margin of 28.93%, and adjusted EPS of USD 0.64, with adjusted EPS growing 10.35% year over year. A key highlight was EBIT at USD 83.86 million, exceeding the estimate of USD 81.79 million by USD 2.07 million, reflecting disciplined expense control and operating leverage. Main business highlights included banking revenue of USD 174.56 million and wealth management revenue of USD 17.37 million, with remittance processing contributing USD 5.55 million; the segment mix underscored the dominant share of banking while ancillary services added diversified fee streams.

Current Quarter Outlook

Main Business: Banking

Banking remains the central earnings engine, having delivered USD 174.56 million in revenue last quarter and forming the majority of total revenue. The current quarter’s revenue forecast of USD 197.53 million suggests ongoing strength in core lending and deposit-related activities, supported by balanced funding and operating efficiency. With EBIT estimated at USD 83.22 million and EPS at USD 0.62, incremental operating leverage is implied, even as management calibrates asset yields against funding costs to sustain margins and credit performance. The quarter-on-quarter growth in net profit of 20.45% last quarter points to momentum that could carry into the current quarter if credit costs remain manageable and loan pipelines stay intact.

Most Promising Business: Wealth Management and Cross-Sell

Wealth management contributed USD 17.37 million last quarter and is positioned to benefit from stable client inflows and cross-sell opportunities from the banking franchise. Although smaller than banking, the segment provides fee-based revenue that is less sensitive to interest rate volatility, enhancing earnings stability. Integrating advisory offerings with deposit and lending relationships can deepen client engagement and lift per-customer profitability, supporting EPS durability amid shifting macro conditions. Continued product uptake and service upgrades could lift the segment’s revenue trajectory, complementing banking gains and diversifying the company’s overall revenue base.

Stock Price Drivers This Quarter

Three dynamics are set to influence the stock’s near-term reaction to the results: delivery versus the guided revenue and EPS trajectory, margin stability relative to the last quarter’s 28.93% net profit margin, and operating discipline reflected in EBIT versus estimates. Investors will likely focus on whether revenue reaches USD 197.53 million and EPS hits USD 0.62, which together indicate healthy throughput across balance-sheet and fee businesses. Demonstrating consistency in asset quality and expense control should support EBIT performance and tilt sentiment favorably. Any outperformance in fee-generating lines, particularly wealth management and remittance services, could also be a catalyst, given their impact on the mix and on margin resilience when net interest income faces pressure.

Analyst Opinions

Based on the available institutional datapoints and operating trends, the majority of commentary leans constructive around achieving the guided EPS of USD 0.62 and revenue of USD 197.53 million, citing recent EBIT execution and stable segment contributions. The bullish view emphasizes the prior quarter’s EPS of USD 0.64 and EBIT of USD 83.86 million surpassing estimates, which supports confidence in delivering the current quarter’s forecast despite margin sensitivities. Consensus-leaning perspectives point to disciplined operations, diversified fee income, and a clear path to the forecasted year-over-year growth in revenue of 69.62% and EPS of 21.07%, with banking remaining the anchor and wealth management providing incremental stability.