First Busey (FRA:FBYN) 3-Year RORE % : 4.85% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:FBYN First Busey Corp FRA:FBYN
63 GF Score
Price €25.60
GF Value €22.31
! 6 Warning Signs
View Full Analysis

What is First Busey 3-Year RORE %?

First Busey FRA:FBYN +3.23% 63 3-Year RORE % is 4.85 as of Mar. 2026. GuruFocus rates FRA:FBYN with a GF Score™ of 63/100 and a GF Value™ of €22.31. The stock has 6 warning signs investors should review. Among 1,471 Banks companies, First Busey ranks better than 53.16% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Busey's 3-Year RORE % for the quarter that ended in Mar. 2026 was 4.85%.

The industry rank for First Busey's 3-Year RORE % or its related term are showing as below:

FRA:FBYN's 3-Year RORE % is ranked better than
53.16% of 1471 companies
in the Banks industry
Industry Median: 9.89 vs FRA:FBYN: 4.85

First Busey  (FRA:FBYN) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Busey 3-Year RORE % Related Terms


First Busey 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Busey's 3-Year RORE % 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.

First Busey 3-Year RORE % Chart

First Busey Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.20 17.98 3.82 -10.75 -41.53

First Busey Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -53.94 -53.58 -50.68 -41.53 4.85

FRA:FBYN vs NBTB, EFSC, TBBK: 3-Year RORE % Comparison

For the Banks - Regional subindustry, First Busey's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Busey's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Busey's 3-Year RORE % falls into.


FRA:FBYN
63GF Score
First Busey Corp FRA:FBYN
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Busey 3-Year RORE % Calculation

First Busey's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 1.933-1.831 )/( 4.758-2.655 )
=0.102/2.103
=4.85 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 4.85 mean?
First Busey (FRA:FBYN) has a 3-Year RORE % of 4.85 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Busey and its competitors. According to the industry distribution chart, First Busey ranks #689 out of 1471 companies in the Banks industry, placing it in the top 46.8%.
Is First Busey's 3-Year RORE % too high?
First Busey's current 3-Year RORE % is 4.85. The Banks industry median 3-Year RORE % is 9.89. First Busey's value of 4.85 is 51% below this industry median. Based on the distribution chart, First Busey ranks #689 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, First Busey has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does First Busey's 3-Year RORE % compare to NBTB and EFSC?
According to the Banks industry distribution chart, First Busey ranks #689 out of 1471 companies for 3-Year RORE %. This puts First Busey in the upper half of its industry. The industry median 3-Year RORE % is 9.89. First Busey's value of 4.85 is 51% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.89, based on 1,471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Busey's current 3-Year RORE % of 4.85 is 51% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Busey and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Busey's current 3-Year RORE % is 4.85. 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 3-Year RORE % of 4.85. The stock's GF Value™ is €22.31, compared to a current price of €25.60 — trading 14.7% above its estimated fair value. The current 3-Year RORE % is 4.85 and 51% below the Banks industry median of 9.89. First Busey's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For First Busey (FRA:FBYN), the current 3-Year RORE % is 4.85 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 €25.60 is trading 14.7% above its estimated GF Value™ of €22.31.

Key valuation signals for FRA:FBYN:

  • 3-Year RORE %: 4.85
  • GF Value™: €22.31 vs. price of €25.60 (14.7% above fair value)
  • GF Score™: 63/100 with 6 warning signs
  • Industry Position: 51% below the Banks median (#689 of 1471)

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 Business Description

Other Exchanges BUSE:USA
Address 11440 Tomahawk Creek Parkway, Leawood, KS, USA, 66211
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.
63GF Score

Get the complete analysis for FRA:FBYN

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€25.60
Price
€22.31
GF Value