Short answer
FIRST BUSEY CORP /NV/ (BUSE) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $720M (+55.7% year over year) and net income of $135M.
- Top risk flagged: Regulatory risk from increased regulatory scrutiny and delays in approvals due to reputational harm impacting customer growth and strategic initiatives
FY2025 key financial metrics · XBRL
- Revenue
- $720M
- +55.7% YoY
- Net income
- $135M
- +19.0% YoY
- EPS (diluted)
- $1.47
- −25.8% YoY
- ROE
- 5.5%
- −2.7 pp YoY
- Operating cash flow
- $193M
- +8.0% YoY
Source: XBRL data from the FIRST BUSEY CORP /NV/ (BUSE) FY2025 10-K on SEC EDGAR. USD.
FIRST BUSEY CORP /NV/ FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Regional banking with expanded branch network and services through acquisitions
- New segment emphasis: Integration of CrossFirst acquisition adding 17 banking centers and expanded geographic footprint
- Strategic shift: Focus on cost synergies, targeting $25.0 million pre-tax expense reduction with full realization in 2026
- Quantitative metric: Noninterest expense rose 59.3% to $480.2 million; employee count grew by 405 full-time equivalents
- Noteworthy fact: Acquisition and restructuring expenses surged to $54.6 million in 2025 from $8.1 million in 2024 due to CrossFirst deal
Management Discussion & Analysis
- Operating cash flow $192.6M in 2025 vs $178.3M in 2024, driven by net income and loan sales activity
- Investing cash flow provided $1.10B in 2025 vs $657.9M in 2024, from managing investment and loan portfolios
- Financing cash flow used $1.69B in 2025 vs $858.1M in 2024, including preferred stock issuance and dividends
- Capital ratios well above regulatory minimums: CET1 12.43% vs 7.00% required, total capital 15.93% vs 10.50%
- Management sees no material adverse capital changes since Dec 31, 2025; inflation impacts expenses but interest rates more critical to performance
Risk Factors
- Regulatory risk from increased regulatory scrutiny and delays in approvals due to reputational harm impacting customer growth and strategic initiatives
- Geopolitical threat from acts of war or terrorism causing financial-market volatility and impacting loan portfolio collateral values
- Operational risk from severe weather and natural disasters disrupting facilities, supply chains, and access to banking channels
- No specific competitive or market disruption risk detailed in the text
- Financial risk from elevated credit losses linked to impaired borrower repayment capacity and increased vacancy rates in commercial properties
Generated from the filing text; verify against the original. How to read a 10-K
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