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BUSE vs MBIN

BUSE
First Busey Corporation
BULLISH
Price
$25.93
Market Cap
$2.24B
Sector
Financial Services
AI Confidence
65%
MBIN
Merchants Bancorp
BEARISH
Price
$47.76
Market Cap
$2.2B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BUSE
17.64
MBIN
12.63
Forward P/E
BUSE
9.54
MBIN
8.29
P/B Ratio
BUSE
0.92
MBIN
1.27
P/S Ratio
BUSE
3.35
MBIN
3.89
EV/EBITDA
BUSE
--
MBIN
--

Profitability

Gross Margin
BUSE
0.0%
MBIN
0.0%
Operating Margin
BUSE
17.59%
MBIN
52.01%
Profit Margin
BUSE
20.28%
MBIN
38.81%
ROE
BUSE
7.02%
MBIN
9.67%
ROA
BUSE
0.9%
MBIN
1.14%

Growth

Revenue Growth
BUSE
70.5%
MBIN
-17.6%
Earnings Growth
BUSE
26.9%
MBIN
-30.6%

Financial Health

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

Dividends

Dividend Yield
BUSE
4.02%
MBIN
0.86%
Payout Ratio
BUSE
68.03%
MBIN
10.58%

AI Verdict

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
MBIN BEARISH

MBIN exhibits a severe divergence between its recent price performance and its fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is trading below its Graham Number ($56.61), it is significantly overpriced relative to its growth-based intrinsic value ($26.46). Negative year-over-year revenue (-17.60%) and earnings growth (-30.60%) suggest a deteriorating business model, further compounded by bearish insider selling from the CEO. The recent price rally appears disconnected from the underlying financial decay.

Strengths
Low Forward P/E ratio of 8.29
Conservative dividend payout ratio of 10.58%
Strong 1-year price appreciation (+51.4%)
Risks
Critical fundamental weakness indicated by Piotroski F-Score (2/9)
Significant contraction in YoY revenue and earnings growth
Bearish insider sentiment with CEO and Officer selling shares

Compare Another Pair

BUSE vs MBIN: Head-to-Head Comparison

This page compares First Busey Corporation (BUSE) and Merchants Bancorp (MBIN) 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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