C

First Busey Corporation — Earnings Quality Grade C

BUSE · Financial Services

Some red flags

Revenue
$720M
2025
Net Income
$135M
2025
Gross Margin
Free Cash Flow
$173M
01

Screening Summary

6
Passed
4
Watch
0
Failed
M-Score

管理层信号

最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

!
A3Revenue vs CFFO

Revenue grew 55.9% but CFFO only 8.0%

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 205.1% is >2x revenue growth 55.9%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.42. Profits backed by cash

C2Free Cash Flow

FCF $0.2B, FCF/NI = 1.28

C3Accruals Ratio

Accruals ratio = -0.3%. Low accruals

!
C4Cash vs Debt

Cash $0.3B covers 91% of debt $0.3B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $0.5B = 19% of equity. Manageable

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

!
E2Goodwill Surge

Goodwill+Intangibles surged 31% YoY

06

Manipulation Score

F1Beneish M-Score

Insufficient data

持仓监控

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Altman Z-Score — Not Applicable

First Busey Corporation is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25