How do I set a price alert for BUSE?

To set a BUSE price alert on Stock Alarm Pro, navigate to the BUSE quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for BUSE?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for BUSE. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for First Busey Corp?

Stock Alarm Pro supports over 125 trigger types for BUSE: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about BUSE price changes?

BUSE alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for BUSE alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for BUSE and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

BUSE Company Intelligence - Business Model, Drivers & Risks

First Busey Corporation(BUSE)

$29.40—

WatchlistAsk AI Chart

First Busey Corporation(BUSE)

NASDAQAbout this data

$29.40—

WatchlistAsk AI Chart Studio

BUSE(BUSE)

BUSE

First Busey Corporation is a regional bank holding company operating primarily in Illinois, Missouri, and Florida with approximately $13 billion in assets. The bank generates revenue through traditional community banking activities including commercial lending, retail deposits, and wealth management services across its 50+ branch network. The company competes on local market knowledge and relationship banking in mid-sized Midwest and Southeast markets.

Financial ServicesRegional Community Banksmoderate - Regional banks have significant fixed costs in branch infrastructure, technology, and compliance, but can scale loan volumes and deposits with modest incremental expense. Operating leverage improves when net interest margins expand during rising rate environments, as funding costs lag asset repricing. The 17.9% operating margin suggests reasonable efficiency for a regional bank, though below top-quartile peers.

Business Overview

01Net interest income from commercial and retail loan portfolios (estimated 70-75% of revenue)

02Wealth management and trust services fees (estimated 10-15% of revenue)

03Deposit service charges and transaction fees (estimated 8-12% of revenue)

04Mortgage banking and other fee income (estimated 3-5% of revenue)

First Busey operates a traditional spread-based banking model, borrowing funds through customer deposits at low rates and lending to commercial and retail customers at higher rates. The bank's competitive advantage lies in its established presence in non-metropolitan Illinois markets where it faces less competition from national banks, allowing for relationship-based pricing and lower customer acquisition costs. Wealth management services provide stable fee income with minimal capital requirements. The 57.6% revenue growth likely reflects a recent acquisition that expanded the deposit base and loan portfolio.

What Moves the Stock

Net interest margin expansion or compression driven by Federal Reserve policy and yield curve shape

Loan portfolio growth in commercial real estate and C&I lending in Illinois and Missouri markets

Credit quality metrics including non-performing asset ratios and provision expense

Deposit beta and ability to retain low-cost core deposits during rate cycles

Acquisition integration success and cost synergy realization

Watch on Earnings

Net interest margin (NIM) and quarterly basis point changesLoan growth rate by segment (CRE, C&I, consumer)Efficiency ratio and expense control relative to revenue growthNon-performing assets as percentage of total assetsTangible book value per share growth

Risk Factors

Digital banking disruption from fintech competitors and national banks offering higher deposit rates online, pressuring the traditional branch-based model

Regulatory burden disproportionately affects regional banks with assets above $10 billion, requiring enhanced stress testing, capital planning, and compliance infrastructure

Declining branch relevance as customers shift to mobile banking, potentially stranding fixed costs in physical infrastructure

Deposit competition from larger national banks and online-only banks offering premium rates to attract customers, compressing funding advantages

Loan market share pressure from non-bank lenders and credit unions in commercial lending, particularly in competitive Illinois markets

Talent retention challenges competing against larger banks for experienced commercial lenders and technology professionals

Commercial real estate concentration risk if property values decline or vacancy rates rise in core Illinois and Missouri markets

Interest rate risk from asset-liability mismatch if the yield curve inverts or rates move rapidly, potentially compressing margins

Acquisition integration risk given recent growth, including potential credit issues in acquired loan portfolios or cultural integration challenges

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate-to-high - Regional banks are directly exposed to local economic conditions affecting loan demand and credit quality. Commercial real estate lending, a typical focus for banks this size, is sensitive to occupancy rates and property values. Consumer loan performance correlates with local employment and income levels. The Illinois and Missouri economies are diversified but include cyclical manufacturing and agriculture sectors that impact loan demand during downturns.

Interest Rates

High sensitivity to both the level and shape of the yield curve. Rising short-term rates (Fed funds) typically expand net interest margins as loan yields reprice faster than deposit costs, though this benefit diminishes as deposit betas increase. A steeper yield curve (positive 10Y-2Y spread) is highly favorable, allowing banks to borrow short and lend long profitably. The current rate environment as of February 2026 significantly impacts profitability given the bank's asset-liability duration mismatch.

Credit

Significant credit exposure as lending is the core business. Credit losses accelerate during recessions when commercial borrowers face cash flow stress and consumer unemployment rises. Commercial real estate concentrations create vulnerability to property market downturns. The bank's geographic concentration in Illinois and Missouri means local economic shocks have outsized impact compared to nationally diversified banks.

Live Conditions

30-Year TreasuryRussell 2000 Futures10-Year TreasuryDow Jones Futures5-Year Treasury2-Year TreasuryS&P 500 Futures30-Day Fed Funds

Profile

value - The 1.0x price-to-book ratio suggests the stock trades at tangible book value, attracting value investors seeking regional banks with solid fundamentals trading below historical averages. The 7.3% FCF yield appeals to income-focused investors. The modest 5.7% ROE indicates the bank is not a growth story but rather a steady, dividend-paying regional franchise. Recent 19.7% three-month performance suggests some momentum interest following potential rate environment improvements or acquisition synergies.

moderate - Regional bank stocks typically exhibit moderate volatility with betas between 0.8-1.2. Stock price sensitivity to interest rate announcements and quarterly earnings creates periodic volatility spikes. The $2.3 billion market cap provides reasonable liquidity but less than money center banks. Credit cycle concerns during economic uncertainty can drive sharp drawdowns.

Key Metrics to Watch

Federal funds effective rate and forward guidance from FOMC meetings

10-year minus 2-year Treasury spread as indicator of yield curve steepness

Illinois and Missouri unemployment rates as leading indicators of credit quality

Commercial real estate vacancy rates in Champaign-Urbana, Springfield, and St. Louis markets

Deposit growth trends and cost of funds relative to peer banks

Tangible common equity ratio and regulatory capital levels

real estate M&A retail regulation infrastructure