NASDAQ$BUSE

First Busey Corporation · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

First Busey Corporation's financial performance remained strong in the third quarter of 2023, with increased deposits and a decrease in short-term borrowings.

First Busey Corporation reported a net income of $30.7 million and diluted EPS of $0.54 for the third quarter of 2023. Total deposits increased by $269.6 million, and short-term borrowings decreased significantly. Non-performing assets and classified assets also saw declines, indicating strong asset quality.

  • Net income was $30.7 million, with diluted EPS at $0.54.
  • Total deposits increased by $269.6 million, reaching $10.33 billion.
  • Short-term borrowings decreased to $12.0 million.
  • Non-performing assets declined by 23.6% to $12.1 million, representing 0.10% of total assets.

Headline financials

Total Revenue

$109M

Previous: $117M-7.2%
EPS (adj)

$0.55

Previous: $0.65-15.4%
Net Interest Margin

2.8%

Previous: 3.0%-6.7%
ROAA

1.0%

No prior period
ROATCE

14.3%

No prior period
Efficiency Ratio

62.4%

Previous: 57.6%+8.3%
Capital Expenditures

-$6.75M

Previous: -$4.01M-68.5%
Free Cash Flow

$23.9M

Previous: $31.7M-24.4%
Net Income

$30.7M

Previous: $35.7M-14.0%
Operating Income

$47.3M

Previous: $89.8M-47.3%
Gross Profit

$106M

Previous: $112M-5.2%
Cash & Equivalents

$338M

Previous: $347M-2.7%
Total Assets

$12.3B

Previous: $12.5B-1.9%
Stock-Based Comp

$2.6M

Previous: $2.48M+5.1%

Revenue & EPS history

First Busey · Revenue · Quarterly

$109M

Q3 2023-7.2%vs Q3 2022
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

First Busey Corporation anticipates continued prudent expense management and quality growth into the final quarter of 2023 and into 2024, focusing on balance sheet strength, profitability, and growth.

Tailwinds

  • Continued focus on balance sheet strength.
  • Expectation of quality growth and profitability.
  • Strong capital position.
  • Attractive core funding base.
  • Sound credit foundation.

Headwinds

  • Evolving economic outlook.
  • Rising deposit betas.
  • Significant market competition for deposits.
  • Potential impact on loan growth due to conservative underwriting.
  • Impact of rising rates on the market value of securities portfolio.

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 2023

Historical avgQ3 2023

-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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