NASDAQ$BUSE

First Busey Corporation · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

First Busey announced third quarter earnings with increased net income and adjusted net income compared to the second quarter of 2020 and third quarter of 2019.

First Busey Corporation reported a net income of $30.8 million, or $0.56 per diluted common share, for the third quarter of 2020, compared to $24.8 million, or $0.45 per diluted common share, for the third quarter of 2019. Adjusted net income for the third quarter of 2020 was $32.8 million, or $0.60 per diluted common share, as compared to $30.5 million, or $0.55 per diluted common share, for the third quarter of 2019.

  • Net income for the third quarter of 2020 was $30.8 million, or $0.56 per diluted common share.
  • Adjusted net income for the third quarter of 2020 was $32.8 million, or $0.60 per diluted common share.
  • Total assets were $10.54 billion at September 30, 2020.
  • The company had $749.4 million in PPP loans outstanding at September 30, 2020.

Headline financials

Total Revenue

$102M

Previous: $104M-2.3%
EPS (adj)

$0.60

Previous: $0.55+9.1%
ROAA

1.1%

No prior period
ROATCE

13.9%

No prior period
Efficiency Ratio

52.4%

No prior period
Adjusted Efficiency Ratio

50.0%

No prior period
Non-performing Loans %

0.3%

No prior period
Capital Expenditures

-$3.16M

Previous: -$10.7M+70.6%
Free Cash Flow

$27.7M

Previous: $14.1M+96.5%
Net Income

$30.8M

Previous: $24.8M+24.2%
Operating Income

$73.7M

Previous: $73.2M+0.8%
Gross Profit

$92.6M

Previous: $98.9M-6.5%
Cash & Equivalents

$480M

Previous: $525M-8.7%
Total Assets

$10.5B

Previous: $9.75B+8.1%
Stock-Based Comp

$2.21M

Previous: $1.21M+83.0%

Revenue & EPS history

First Busey · Revenue · Quarterly

$102M

Q3 2020-2.3%vs Q3 2019
Beat estimate in 4 of 16 quarters(25%)
ActualEstimate

Revenue by segment

First Busey · $10.5M total across 1 segment · Q3 2020

  • Wealth Mgmt Fees
    $10.5M+19.3%

Forward guidance

The Company continues to navigate the economic environment caused by the coronavirus disease 2019 (“COVID-19”) pandemic effectively and prudently. Nevertheless, we remain vigilant, given that the negative impacts of COVID-19 are expected to continue in future quarters as the course of the economic recovery remains unclear and further fiscal stimulus is uncertain.

Headwinds

  • Further margin compression
  • Increased provision expense
  • Lower customer service fees
  • A deterioration in asset quality
  • The negative impacts of COVID-19 are expected to continue in future quarters as the course of the economic recovery remains unclear and further fiscal stimulus is uncertain.

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 Q3 2020

Historical avgQ3 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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