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BBT vs BUSE

BBT
Beacon Financial Corporation
BEARISH
Price
$28.26
Market Cap
$2.38B
Sector
Financial Services
AI Confidence
78%
BUSE
First Busey Corporation
BULLISH
Price
$25.93
Market Cap
$2.24B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BBT
134.57
BUSE
17.64
Forward P/E
BBT
7.86
BUSE
9.54
P/B Ratio
BBT
0.98
BUSE
0.92
P/S Ratio
BBT
7.49
BUSE
3.35
EV/EBITDA
BBT
--
BUSE
--

Profitability

Gross Margin
BBT
0.0%
BUSE
0.0%
Operating Margin
BBT
-35.62%
BUSE
17.59%
Profit Margin
BBT
2.65%
BUSE
20.28%
ROE
BBT
0.46%
BUSE
7.02%
ROA
BBT
0.05%
BUSE
0.9%

Growth

Revenue Growth
BBT
-32.2%
BUSE
70.5%
Earnings Growth
BBT
--
BUSE
26.9%

Financial Health

Debt/Equity
BBT
--
BUSE
--
Current Ratio
BBT
--
BUSE
--
Quick Ratio
BBT
--
BUSE
--

Dividends

Dividend Yield
BBT
4.4%
BUSE
4.02%
Payout Ratio
BBT
600.0%
BUSE
68.03%

AI Verdict

BBT BEARISH

The Advanced Deterministic Scorecard reveals significant concerns with a weak Piotroski F-Score of 4/9, indicating marginal financial health, and a missing Altman Z-Score prevents a full distress risk assessment. Despite a seemingly attractive Price/Book of 0.98 and a high dividend yield of 4.40%, the company is plagued by negative operating margins (-35.62%), collapsing revenue growth (-32.20% YoY), and an unsustainably high payout ratio of 600%. While analysts maintain a 'buy' recommendation with a target price above current levels, deteriorating profitability, insider selling, and a bearish technical trend contradict this optimism. The stock trades at a massive premium to its Graham Number ($11.65) and intrinsic value ($1.47), suggesting severe overvaluation relative to fundamentals.

Strengths
High dividend yield of 4.40% may attract income-focused investors
Price/Book ratio of 0.98 suggests the stock is trading near book value
Analyst consensus remains 'buy' with a target price of $32.43, implying 14.8% upside
Risks
Piotroski F-Score of 4/9 indicates weak financial health with risk of deterioration
Operating margin of -35.62% reflects severe profitability issues
Revenue has declined 32.20% year-over-year, signaling fundamental business challenges
BUSE BULLISH

BUSE shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (20.3% margin)
Strong revenue growth of 70.5%
Risks
Limited historical data available for full assessment

Compare Another Pair

BBT vs BUSE: Head-to-Head Comparison

This page compares Beacon Financial Corporation (BBT) and First Busey Corporation (BUSE) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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