Busey vs Enterprise Financial

This page compares Busey and Enterprise Financial, focusing on business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how each organisation approaches customers, governance and growth strategies. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

BUSE

Metric

EFSC

$2.16B

Market Cap

$2.04B

4.24%

Potential Profit

11.42%

Buy

Analyst Rating

Buy

Investment Analysis

Busey

BUSE

Pros

First Busey Corporation shows strong revenue growth, with a 16.77% increase year-over-year reaching nearly $499 million in the last twelve months.
The company maintains a solid financial health profile with a low debt-to-equity ratio around 17.2%, indicating prudent leverage management.
Analysts forecast a positive stock price appreciation of around 14-17% over the next 12 months, supported by a generally bullish consensus and upward earnings revisions.

Considerations

Return on assets and equity remain modest at 0.99% and 8.78% respectively, suggesting room for improvement in capital efficiency and profitability.
Recent earnings per share (EPS) slightly missed analyst expectations in Q3 2025, posing short-term performance concerns.
The stock's valuation metrics reflect moderate pricing, with price-to-earnings at approximately 10.87 and price-to-book at 1.00, which could limit upside against peers.

Enterprise Financial

EFSC

Pros

Enterprise Financial Services Corporation has demonstrated consistent expansion in its banking footprint and customer base across its regional markets.
The company benefits from diversified earnings sources, including retail and commercial banking services, enhancing revenue stability.
Its capital and liquidity position is robust, allowing flexibility in meeting regulatory requirements and supporting growth initiatives.

Considerations

Enterprise Financial's profitability metrics are pressured by rising operating costs and competitive margin compression in the banking sector.
The regional banking environment exposes the firm to economic cyclicality and interest rate fluctuations, introducing volatility to earnings.
Execution risks persist due to integration challenges and the need to maintain service quality amid geographic expansion and regulatory scrutiny.

About The Companies

Busey (BUSE)

First Busey Corporation is a US-based financial holding company that operates across three principal segments. The Banking segment, its largest, provides a comprehensive range of services to individuals and businesses through its subsidiary, Busey Bank. The Wealth Management division offers asset management, investment, and advisory services to a diverse client base, including individuals, businesses, and foundations. This includes financial planning, trust services, and business succession planning. Finally, its FirsTech segment focuses on the technology side of finance, delivering payment technology solutions and tools to help clients manage billing and reconciliation. This diversified model allows the company to serve a wide spectrum of financial needs. As with any investment, the value of shares can go down as well as up, and returns are not guaranteed. This information is for educational purposes and is not financial advice.

Enterprise Financial (EFSC)

Enterprise Financial Services Corp (EFSC) is a regional banking group offering commercial and consumer lending, deposit-taking and related financial services through community-focused operations. With a market capitalisation around $2.0 billion, EFSC typically competes on local customer relationships, loan underwriting and fee-based services. Investors often watch net interest margin, loan growth, credit quality and expense control as the key drivers of profitability. Like other banks, performance is sensitive to the interest-rate environment and the credit cycle; higher rates can widen margins but also raise funding costs and borrower stress. Smaller regional banks may offer income potential and growth if they manage credit and capital well, but they carry concentration, regulatory and liquidity risks. This summary is educational, not personal financial advice. Investors should review the company’s filings, dividend policy and recent results, and consider their own risk tolerance and suitability before investing.

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Comparison Snapshot