NASDAQ$BUSE

First Busey Corporation · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Announced first quarter earnings and COVID-19 response.

First Busey's net income for the first quarter of 2020 was $15.4 million, or $0.28 per diluted common share, as compared to $28.6 million, or $0.52 per diluted common share, for the fourth quarter of 2019 and $25.5 million, or $0.48 per diluted common share, for the first quarter of 2019.

  • Funded $657.3 million in loans under the Paycheck Protection Program (PPP) for 2,508 customers as of April 24, 2020.
  • Provision for credit losses of $17.2 million and provision for unfunded commitments of $1.0 million primarily as a result of economic factors around COVID-19.
  • Wealth Management division ended the first quarter of 2020 with $8.93 billion in assets under care.
  • Purchased 407,850 shares of its common stock at an average price of $23.71 per share for a total of $9.7 million under the Company’s stock repurchase plan.

Headline financials

Total Revenue

$97M

Previous: $94.3M+2.8%
EPS (adj)

$0.28

Previous: $0.50-44.0%
Net Interest Margin

3.2%

Previous: 3.5%-7.5%
ROAA

0.6%

No prior period
ROATCE

7.3%

No prior period
Efficiency Ratio

59.7%

Previous: 58.0%+2.9%
Adjusted Efficiency Ratio

59.5%

No prior period
Capital Expenditures

-$2.31M

Previous: -$1.05M-120.0%
Free Cash Flow

$13.1M

Previous: $24.4M-46.6%
Net Income

$15.4M

Previous: $25.5M-39.7%
Operating Income

$51.2M

Previous: $70.7M-27.6%
Gross Profit

$78.5M

Previous: $92.2M-14.9%
Cash & Equivalents

$343M

Previous: $330M+3.8%
Total Assets

$9.72B

Previous: $9.54B+1.9%
Stock-Based Comp

$1.14M

Previous: $1.01M+12.3%

Revenue & EPS history

First Busey · Revenue · Quarterly

$97M

Q1 2020+2.8%vs Q1 2019
Beat estimate in 5 of 16 quarters(31%)
ActualEstimate

Revenue by segment

First Busey · $11.6M total across 1 segment · Q1 2020

  • Wealth Mgmt Fees
    $11.6M+28.9%

Forward guidance

COVID-19 can be expected to have a complex and significant adverse impact on the economy, the banking industry and First Busey in future fiscal periods, all subject to a high degree of uncertainty as it relates to both timing and severity.

Headwinds

  • Margin compression
  • Provision expense
  • Wealth management fees
  • Fees for customer services
  • Asset quality

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

-0.7%

Avg return

Earnings day

-0.6%

Avg return

5 days after

+1.8%

Avg return

30 days after

37%

24 / 65 earnings

Positive

+10.7%

Q1 2020

Best reaction

-8.3%

Q2 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.5%-1.1%+3.2%
Q4 2025-2.5%+1.6%+1.2%
Q3 2025-3.1%-2.3%+1.3%
Q1 2025+3.3%+1.7%+5.0%
Q4 2024+1.9%+1.3%+2.3%
Q3 2024-0.4%-2.4%+8.4%
Q2 2024+0.0%+3.8%-5.2%
Q1 2024+1.0%-0.4%-0.3%
Q4 2023+0.5%+1.0%-4.5%
Q3 2023-2.9%+0.6%+11.4%
Q2 2023-0.7%-2.3%-7.5%
Q1 2023-4.4%-3.7%+1.3%
Q4 2022-6.0%-5.2%+1.9%
Q3 2022+3.0%+6.9%+8.5%
Q2 2022-1.5%-0.7%-3.9%
Q1 2022-4.5%-5.4%-3.0%
Q4 2021-1.2%-2.5%-4.3%
Q3 2021-5.5%-3.2%+7.1%
Q2 2021+1.8%+2.6%+2.1%
Q1 2021-1.3%-1.1%+5.3%
Q4 2020-7.4%-9.6%+2.8%
Q3 2020-5.3%-2.8%+15.1%
Q2 2020+5.4%+1.0%+6.5%
Q1 2020+10.7%+2.3%+6.4%
Q4 2019-2.6%-4.4%-14.8%
Q3 2019+2.8%+2.5%+4.4%
Q2 2019+3.1%+4.5%-4.3%
Q1 2019+3.3%+4.1%+1.1%
Q4 2018-1.8%-2.1%+4.2%
Q3 2018-4.6%-1.9%-0.1%
Q2 2018-2.6%-2.7%-1.4%
Q1 2018+0.0%-1.4%+4.2%
Q4 2017-0.5%+0.1%-4.4%
Q3 2017-0.6%+0.1%-3.2%
Q2 2017+2.2%+1.7%+0.1%
Q1 2017+4.3%-1.2%-4.9%
Q4 2016-1.4%-4.7%+2.1%
Q3 2016+0.9%+0.3%+21.9%
Q2 2016-0.4%-0.3%+4.3%
Q1 2016-0.0%
Q4 2015-2.6%
Q3 2015+4.8%
Q2 2015+0.8%
Q1 2015-1.5%
Q4 2014-4.3%
Q3 2014+0.0%
Q2 2014-0.4%
Q1 2014-1.1%
Q4 2013-2.7%
Q3 2013+1.3%
Q2 2013+1.6%
Q1 2013-2.6%
Q4 2012-2.9%
Q3 2012-1.0%
Q2 2012-0.6%
Q1 2011+0.9%
Q1 2012+3.4%
Q4 2009+2.2%
Q4 2010+2.2%
Q4 2011+2.2%
Q3 2011-3.3%
Q3 2010-3.3%
Q2 2011-8.3%
Q2 2010-8.3%
Q1 2010-6.8%

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