First BuseyFRA:FBYN +0.83%64 Return-on-Tangible-Equity is 10.25% as of Mar. 2026, which is 20% below its 10-year median of 12.79. GuruFocus rates FRA:FBYN with a GF Score™ of 64/100 and a GF Value™ of €21.83. The stock has 6 warning signs investors should review. Among 1,526 Banks companies, First Busey ranks better than 51.18% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Busey's annualized net income for the quarter that ended in Mar. 2026 was €172.9 Mil. First Busey's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €1,687.0 Mil. Therefore, First Busey's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.25%.
The historical rank and industry rank for First Busey's Return-on-Tangible-Equity or its related term are showing as below:
FRA:FBYN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9 Med: 12.79 Max: 14.97
Current: 11.33
During the past 13 years, First Busey's highest Return-on-Tangible-Equity was 14.97%. The lowest was 9.00%. And the median was 12.79%.
FRA:FBYN's Return-on-Tangible-Equity is ranked better than 51.18% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs FRA:FBYN: 11.33
First Busey (FRA:FBYN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Busey Return-on-Tangible-Equity Related Terms
First Busey Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for First Busey's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:FBYN vs NBTB, EFSC, TBBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Busey's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Busey Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Busey's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Busey's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.25% mean?
First Busey (FRA:FBYN) has a Return-on-Tangible-Equity of 10.25% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Busey and its competitors. This is 20% below median its historical median of 12.79. Over the past decade, First Busey's Return-on-Tangible-Equity has ranged from 9.00 to 14.97. According to the industry distribution chart, First Busey ranks #745 out of 1526 companies in the Banks industry, placing it in the top 48.8%.
Is First Busey's Return-on-Tangible-Equity too high?
First Busey's current Return-on-Tangible-Equity of 10.25% is 20% below median its 10-year median of 12.79. Over the past 10 years, this metric has ranged from a low of 9.00 to a high of 14.97. The Banks industry median Return-on-Tangible-Equity is 11.20. First Busey's value of 10.25% is 8.4% below this industry median. Based on the distribution chart, First Busey ranks #745 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, First Busey has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does First Busey's Return-on-Tangible-Equity compare to NBTB and EFSC?
According to the Banks industry distribution chart, First Busey ranks #745 out of 1526 companies for Return-on-Tangible-Equity. This puts First Busey in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. First Busey's value of 10.25% is 8.4% below this benchmark. Historically, First Busey's own Return-on-Tangible-Equity has ranged from 9.00 to 14.97 over the past decade. While the company's 10-year median is 12.79 vs. the industry median of 11.20, First Busey has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Busey's current Return-on-Tangible-Equity of 10.25% is 8.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Busey and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Busey's current Return-on-Tangible-Equity is 10.25%, which is 20% below median its own 10-year median of 12.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Busey stock overvalued right now?
First Busey (FRA:FBYN) has a current Return-on-Tangible-Equity of 10.25%. The stock's GF Value™ is €21.83, compared to a current price of €24.40 — trading 11.8% above its estimated fair value. The current Return-on-Tangible-Equity is 10.25%, which is 20% below median its 10-year median of 12.79 and 8.4% below the Banks industry median of 11.20. First Busey's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Busey (FRA:FBYN), the current Return-on-Tangible-Equity is 10.25% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Busey (FRA:FBYN) Overvalued in 2026?
Based on GuruFocus' analysis, First Busey stock appears to be overvalued.
The current stock price of €24.40 is trading 11.8% above its estimated GF Value™ of €21.83.
Key valuation signals for FRA:FBYN:
Return-on-Tangible-Equity: 10.25% (20% below median its 10-year median of 12.79)
GF Value™: €21.83 vs. price of €24.40 (11.8% above fair value)
Industry Position: 8.4% below the Banks median (#745 of 1526)
No single metric tells the full story. See the FRA:FBYN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Busey Corporation is a financial holding company whose subsidiaries provide retail and commercial banking services, remittance processing, and offer financial products and services with banking centers in Illinois, Missouri, Florida, and Indiana. The company's operations are managed through three operating segments consisting of Banking, FirsTech, and Wealth Management. The banking segment generates a vast majority of its revenue.
64GF Score
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