BUSE First Busey margins

Relative Growth: Rel. Growth: 78

Relative Strength: Rel. Strength: 63

Relative Valuation: Rel. Valuation: 90

Relative Profitability: Rel. Profitability: 90

Gross margin

100%

Operating margin

38.4%

EBITDA margin

42.6%

Net margin

29.9%

For the latest period, First Busey has a gross margin of 100%, an operating margin of 38.4%, an EBITDA margin of 42.6%, and a net margin of 29.9%. The biggest improvement was in operating margin, up 13.4 percentage points; the remaining margins held steady.

BUSE margin history

Gross, operating, EBITDA and net margin trends

First Busey's margins averaged 100% gross, 31.39% operating, 36.06% EBITDA, and 23.57% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

BUSE margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 13.4 percentage points, EBITDA margin by 12.9 percentage points, and net margin by 12.4 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

13.4pp

EBITDA margin expansion

12.9pp

Net margin expansion

12.4pp

BUSE Gross margin

First Busey's gross margin averaged 100% over the last 3 years. Compared with its three-year average, First Busey's current gross margin is 100% and is in line with its three-year average. Over the last 3 years, First Busey's gross margin peaked at 100% in Sep 2026 and reached a low of 100% in Dec 2023.

BUSE Operating margin

Across the last 3 years, First Busey's operating margin stood at 31.39%. First Busey's current operating margin is 38.4% and is 7 percentage points above its three-year average. Operating margin was highest at 38.4% in Sep 2026 and lowest at 20% in Mar 2025.

BUSE EBITDA margin

Over the last 3 years, the average EBITDA margin for First Busey was 36.06%. Right now, First Busey's current EBITDA margin is 42.6%, which is 6.5 percentage points above its three-year average. First Busey's EBITDA margin ranged from a low of 25% in Mar 2025 to a high of 42.6% in Sep 2026.

BUSE Net margin

First Busey's net margin averaged 23.57% across the past 3 years. Compared with its three-year average, First Busey's current net margin is 29.9% and is 6.3 percentage points above its three-year average. Over the last 3 years, First Busey's net margin peaked at 29.9% in Sep 2026 and reached a low of 13.4% in Mar 2025.

BUSE margin group comparison

Margins compared with peer-group, industry and sector averages

First Busey's gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.5%, First Busey's gross margin is 20% higher.

BUSE margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Busey's gross margin?

As of Sep 30, 2026, BUSE has a gross margin of 100%.

What is First Busey's operating margin?

As of Sep 30, 2026, BUSE has an operating margin of 38.4%.

What is First Busey's EBITDA margin?

As of Sep 30, 2026, BUSE has an EBITDA margin of 42.6%.

What is First Busey's net margin?

For the period ending Sep 30, 2026, BUSE recorded a net margin of 29.9%.

What are the average margins of BUSE?

Over the past 3 years, BUSE reported average margins of 100.0% gross, 31.4% operating, 36.1% EBITDA, and 23.6% net.

What are the highest historical margins of BUSE?

First Busey's highest recorded margins during the past 5 years were 100% gross in Sep 2026, 38.4% operating in Sep 2026, 44.2% EBITDA in Dec 2021, and 29.9% net in Sep 2026.

What are the lowest historical margins of BUSE?

Across the 5-year period, BUSE posted its lowest margins at 100% gross in Dec 2021, 20% operating in Mar 2025, 25% EBITDA in Mar 2025, and 13.4% net in Mar 2025.