BUSEP Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

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Price $25.33
Market Cap (MRQ) $2.11B
P/E 17.2
EPS $1.47
Revenue $720M
Div Yield 4.1%
ROE 5.8%
Debt/Equity 0.0
52W Range $25–$27

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10-Year Performance Revenue, net income, margins and EPS trends

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Revenue$720M
2022-12-31 → 2025-12-31
EPS$1.47
2016-12-31 → 2025-12-31
Free Cash Flow$173M
2016-12-31 → 2025-12-31
Net margin18.8%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend BUSEP 5Y avg Peer Median Verdict
P/E 17.2 · 11.9 Undervalued
P/S 3.1 · 3.3 Undervalued
P/B (MRQ) 0.9 · 1.0 Undervalued
EV / EBITDA 149.0 · · ·
Price / FCF 12.8 · · ·
Price / Cash Flow 11.5 · 11.4 Overvalued
EV / Revenue 2.7 · · ·
EV / FCF 11.1 · · ·
Price / Tangible Book (MRQ) 0.9 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

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Dividend Yield4.1%
Payout Ratio67.3%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Avg Surprise 5.2%
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 $0.69 $0.65 5.7%
March 31, 2026 $0.67 $0.59 13.2%
Dec. 31, 2025 $0.68 $0.63 7.6%
Sept. 30, 2025 $0.64 $0.64 0.60%
June 30, 2025 $0.63 $0.64 -1.3%
March 31, 2025 $0.57 $0.54 5.4%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 11
Metric Trend 2025202420232022
Revenue $720M$462M$442M$450M
Interest Expense ··$160M$37M
Interest Income $894M$524M$481M$360M
Pretax Income $187M$153M$154M$162M
Income Tax $51M$40M$31M$33M
Net Income $135M$114M$123M$128M
EPS (Basic) $1.49$2.01$2.21$2.32
EPS (Diluted) $1.47$1.98$2.18$2.29
Shares (Basic) 84,007,61456,610,03255,432,32255,387,073
Shares (Diluted) 85,133,62657,543,00156,256,14856,137,164
EBITDA $13M$10M$9M·
Balance Sheet 18
Metric Trend 2025202420232022
Cash & Equivalents $280M$698M$720M$227M
PP&E (Net) ·$119M$123M$127M
PP&E (Gross) ·$227M$222M$226M
Accum. Depreciation ·$108M$100M$99M
Goodwill $383M$334M$318M$318M
Intangibles $97M$32M$36M$46M
Total Assets $18.10B$12.05B$12.28B$12.34B
Short-term Debt $0$0$12M$351M
Total Liabilities $15.64B$10.66B$11.01B$11.19B
Total Debt $0·$12M$351M
Common Stock $93.0K$60.0K$58.0K$58.0K
Paid-in Capital $2.38B$1.36B$1.32B$1.32B
Retained Earnings $337M$294M$237M$169M
Treasury Stock $119M$64M$70M$71M
AOCI $-124M$-207M$-219M$-273M
Stockholders' Equity $2.47B$1.38B$1.27B$1.15B
Liabilities + Equity $18.10B$12.05B$12.28B$12.34B
Shares Outstanding 87,624,43056,895,98155,244,11955,279,124
Cash Flow 15
Metric Trend 2025202420232022
D&A $13M$10M$9M$10M
Stock-based Comp $17M$8M$7M$9M
Amort. of Intangibles $17M$10M$10M$12M
Other Non-cash $27M$47M$35M·
Operating Cash Flow $193M$178M$173M$166M
CapEx $20M$6M$10M$5M
Investing Cash Flow $1.10B$658M$551M$-291M
Stock Repurchased $70M$0$4M$10M
Net Stock Activity $-70M$0$-4M$-10M
Dividends Paid $91M$54M$53M$51M
Financing Cash Flow $-1.69B$-858M$-232M$-484M
Net Change in Cash $-404M$-22M$492M$-609M
Taxes Paid $21M$13M$25M$31M
Free Cash Flow $173M$172M$164M$161M
Levered FCF ··$36M$132M
Profitability 5
Metric Trend 2025202420232022
Net Margin 18.8%24.6%38.4%39.7%
Pretax Margin 25.9%33.2%48.2%50.0%
EBITDA Margin 1.8%2.1%3.0%·
ROA 0.90%0.93%1.0%1.0%
ROE 5.8%8.4%10.0%11.4%
Liquidity & Solvency 1
Metric Trend 2025202420232022
Debt / Equity 0.0·0.00.3
Efficiency 1
Metric Trend 2025202420232022
Asset Turnover 0.00.00.00.0
Per Share 7
Metric Trend 2025202420232022
Book Value / Share $28.18$24.31$23.02$20.73
Revenue / Share $8.45$8.03$5.68$5.76
Cash Flow / Share $2.26$3.10$3.08$2.95
Cash / Share $3.36$12.26$13.03$4.11
Dividend / Share ·$0.96$0.96$0.92
Dividend Paid / Share $1.00$0.96$0.96$0.92
EPS (TTM) $1.47$1.98$2.18$2.29
Growth Rates 9
Metric Trend 2025202420232022
Revenue YoY 55.7%4.6%-1.9%·
Revenue CAGR 3Y 16.9%···
EPS YoY -25.8%-9.2%-4.8%4.1%
EPS CAGR 3Y -13.7%-3.5%6.0%·
EPS CAGR 5Y -4.3%···
Net Income YoY 19.0%-7.2%-4.5%3.9%
Net Income CAGR 3Y 1.8%-2.7%6.9%·
Net Income CAGR 5Y 6.2%···
Dividends Paid CAGR 5Y 13.6%···
Valuation (TTM) 17
Metric Trend 2025202420232022
Revenue TTM $720M$462M$442M$450M
Net Income TTM $135M$114M$123M$128M
Market Cap $2.26B···
Enterprise Value $1.96B···
P/E 17.5···
P/S 3.1···
P/B 0.9···
P / Tangible Book 1.1···
P / Cash Flow 11.7···
P / FCF 13.0···
EV / EBITDA 151.8···
EV / FCF 11.3···
EV / Revenue 2.7···
Dividend Yield 4.0%···
Earnings Yield 5.7%···
Payout Ratio 67.3%47.6%43.3%39.6%
Annual Payout $91M$54M$53M$51M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $720M $462M $442M $450M ·
Net Income $135M $114M $123M $128M $123M
Diluted EPS $1.47 $1.98 $2.18 $2.29 $2.20

Company insiders 6 insiders · 0 officers · 1 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Michael David Cassens Director Sept. 15, 2026 S 130,012 0 5 $-312,945
Jennifer M Grigsby · July 31, 2026 A 24,855 0 0 $0
Kevin Rauckman · July 31, 2026 A 12,340 0 0 $0
Van A Dukeman · July 31, 2026 A 533,638 0 0 $0
Frederic L Kenney · July 31, 2026 A 74,701 0 0 $0
Steven W Caple · July 31, 2026 A 11,433 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

BUSEP Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

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rating · 14 analysts BUY
3 21.4% Strong Buy
7 50.0% Buy
4 28.6% Hold
0 0.0% Sell
0 0.0% Strong Sell

Peer comparison (GICS sub-industry) Key metrics vs sector peers

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FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
BUSEP $2.26B 17.5 55.7% 18.8% 5.8% ·
CUBI · · · · · ·
FRME · · · · · ·
BANR · 11.1 8.5% 33.2% 10.2% ·
SYBT $1.91B 13.7 · 35.3% 13.5% ·
BUSE · · · · · ·
BBT · 25.6 81.1% 301.4% 4.8% ·
WAFD $2.37B 11.5 7.8% 762.5% 7.4% ·
NWBI $1.75B 13.0 25.3% 19.2% 7.1% ·
HTH $2.02B 12.9 7.8% 12.9% 7.6% ·
EFSC · · · · · ·

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Source: SEC 10-Q filed Aug 6, 2026