NASDAQ$BUSE

First Busey Corporation · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

First Busey reported Q1 2025 revenue of $166.8M, a net loss of $30.0M, diluted EPS of $-0.44.

For Q1 2025, First Busey reported Revenue was $166.8M, net loss was $30.0M, diluted EPS was $-0.44. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $166.8M for Q1 2025.
  • Net loss $30.0M.
  • Diluted EPS $-0.44.

Headline financials

Total Revenue

$125M

Previous: $111M+12.8%
EPS (adj)

-$0.44

Previous: $0.46-195.7%
Net Interest Margin

3.2%

Previous: 2.8%+13.3%
ROAA

-0.8%

Previous: 0.9%-193.2%
ROATCE

-8.0%

Previous: 11.4%-169.9%
Efficiency Ratio

79.3%

Previous: 58.1%+36.5%
Adjusted Efficiency Ratio

58.7%

Previous: 62.3%-5.8%
TCE to Tangible Assets

8.8%

Previous: 8.1%+9.4%
Non-performing Loans %

0.4%

Previous: 0.2%+69.6%
NPA to Total Assets

0.3%

Previous: 0.1%+106.7%
NPA to Loans + Other NPA

0.4%

Previous: 0.2%+87.0%
Allowance for Loan Loss %

1.4%

Previous: 1.2%+16.5%
Coverage Ratio ACL/NPL

3.57

Previous: 5.22-31.6%
Classified Assets/T1 Cap+Res

8.4%

Previous: 7.2%+16.0%
Core to Total Deposits

89.7%

Previous: 96.7%-7.2%
Capital Expenditures

-$1.8M

Previous: -$1.37M-31.6%
Net Income

-$30M

Previous: $26.2M-214.4%
Operating Income

-$32.7M

Previous: $40.4M-181.0%

Revenue & EPS history

First Busey · Revenue · Quarterly

$125M

Q1 2025+12.8%vs Q1 2024
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Revenue by segment

First Busey · $14.4M total across 1 segment · Q3 2023

  • Wealth Mgmt Fees
    $14.4M+283.4%

Forward guidance

Regional bank outlook cites net interest margin, credit quality, and deposit costs.

Tailwinds

  • Loan growth and fee income diversification.
  • Capital ratios and dividend capacity.

Headwinds

  • Deposit beta and funding cost pressure.
  • Commercial real estate and credit provisioning.

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 2025

Historical avgQ1 2025

-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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