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Banks · Financial Services · Fiscal year ends Dec 31
First Busey reported revenue of $720M in the fiscal year ended Dec 2025, up 55.7% from the year before. Net income was $135M. Operating cash flow of $193M less capital expenditure of $20M left free cash flow of $173M. It held more cash than debt (net cash $166M).
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | – | 450 | 442 | 462 | 720 |
| Net interest incomeBanks | 271 | 324 | 321 | 323 | 570 |
| Interest expense | 28.1 | 36.5 | 160 | 201 | 324 |
| Pre-tax income | 157 | 162 | 154 | 153 | 187 |
| Income tax | 33.4 | 33.4 | 31.3 | 39.6 | 51.4 |
| Net income | 123 | 128 | 123 | 114 | 135 |
| Diluted EPS | 2.20 | 2.29 | 2.18 | 1.98 | 1.47 |
| Diluted shares | 56.0 | 56.1 | 56.3 | 57.5 | 85.1 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 836 | 227 | 720 | 698 | 280 |
| Net PP&E | 136 | 127 | 123 | 119 | 193 |
| Goodwill | 318 | 318 | 318 | 334 | 383 |
| Total assets | 12,860 | 12,337 | 12,283 | 12,047 | 18,105 |
| Short-term debt | 17.7 | 351 | 12.0 | 0.0 | 0.0 |
| Long-term debt | – | – | – | 0.0 | 114 |
| DepositsBanks | 10,769 | 10,071 | 10,291 | 9,982 | 14,906 |
| Total liabilities | 11,541 | 11,191 | 11,011 | 10,663 | 15,636 |
| Shareholders' equity | 1,319 | 1,146 | 1,272 | 1,383 | 2,469 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 162 | 166 | 173 | 178 | 193 |
| Capital expenditure | 5.0 | 5.0 | 9.5 | 6.4 | 19.6 |
| Free cash flow | 157 | 161 | 164 | 172 | 173 |
| Depreciation & amortisation | 11.6 | 10.5 | 9.5 | 9.5 | 12.9 |
| Stock-based compensation | 7.9 | 9.0 | 6.6 | 7.7 | 17.1 |
| Acquisitions | −228 | 0.0 | 0.0 | −18.4 | −386 |
| Share buybacks | 33.0 | 9.9 | 4.5 | 0.0 | 69.9 |
| Dividends paid | 50.8 | 50.9 | 53.1 | 54.2 | 91.0 |
| Dividend per share | 0.92 | 0.92 | 0.96 | 0.96 | 1.00 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | – | −1.9% | 4.6% | 55.7% |
| EPS growth (YoY) | – | 4.1% | −4.8% | −9.2% | −25.8% |
| Net margin | – | 28.5% | 27.7% | 24.6% | 18.8% |
| Return on equityBlank when equity is negative | 9.4% | 11.2% | 9.6% | 8.2% | 5.5% |
| Free cash flow margin | – | 35.7% | 37.1% | 37.2% | 24.0% |
| Cash conversion (CFO ÷ net income) | 1.31x | 1.29x | 1.41x | 1.57x | 1.42x |
| Debt ÷ equity | – | – | – | 0.00x | 0.05x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | – | – | – | −698 | −166 |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.