GURU.Markets stock price, segment price, and overall market index valuation
The company's share price First Busey Corporation
First Busey Corporation is a regional bank operating in Illinois and neighboring states. Its stock price is dependent on the economic health of the region, interest rate dynamics, and the successful integration of acquired banks.
Share prices of companies in the market segment - Regional banks
First Busey is a regional banking holding company with operations in Illinois and neighboring states. Its segments are banking and asset management. We classify it as part of the Regional Banks sector, and the chart below reflects the dynamics of the entire US regional banking industry.
Broad Market Index - GURU.Markets
First Busey is a regional bank providing financial services in Illinois and neighboring states. Its scale makes it a key component of the GURU.Markets index. The chart below represents the entire market. Find out how First Busey compares to the overall market.
Change in the price of a company, segment, and market as a whole per day
BUSE - Daily change in the company's share price First Busey Corporation
The daily price change of First Busey, a regional bank in Illinois, reflects the economic health of the Midwest. Change_co measures volatility associated with local business activity. This indicator is an important component of complex formulas on System.GURU.Markets that analyze regional financial markets.
Daily change in the price of a set of shares in a market segment - Regional banks
First Busey Corporation is a large regional bank. This chart shows the average daily volatility of the banking sector. Comparing it to BUSE, with its presence in several states, helps assess its stability compared to smaller players.
Daily change in the price of a broad market stock, index - GURU.Markets
First Busey is a regional bank operating in the United States. The banking sector is sensitive to interest rate changes and economic conditions. The chart below shows the average volatility for this sector, allowing you to compare First Busey's performance with the overall market.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization First Busey Corporation
First Busey is a large regional bank in the United States. Its year-over-year performance reflected the overall banking sector, including interest rate dynamics and the state of the credit market. The chart below shows its performance in a changing economic environment.
Annual dynamics of market capitalization of the market segment - Regional banks
First Busey Corporation is a regional bank with a strong presence in Illinois and other Midwestern states. Its growth strategy is based on acquisitions and organic growth. The chart below shows how its integration efforts and the economic health of its key markets impact its performance.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
First Busey is a classic regional bank whose stock performance reflects the economic health of the regions where it operates. The bank's trajectory is closely tied to interest rate cycles and the lending activity of local businesses and households, making it a barometer of the local, rather than the global, economy.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization First Busey Corporation
First Busey, a bank operating in Illinois and neighboring states. The monthly fluctuations on the chart reflect the economic situation in the Midwest and the bank's success in providing a full range of financial services, including asset management.
Monthly dynamics of market capitalization of the market segment - Regional banks
Regional banks are financial barometers of their territories. The dynamics of their aggregate capitalization over the past year, presented in the graph, reflects overall business activity, demand for loans, and the health of the regional economies. This is the backdrop against which First Busey Corporation builds its business.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
First Busey Corporation is a regional bank whose stock performance reflects the economic health of Illinois and other regions where it operates. Like most banks, its performance is closely tied to interest rates and the overall health of the credit market.
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization First Busey Corporation
First Busey Corporation is a bank holding company operating in Illinois and neighboring states. Its weekly performance reflects economic activity in the US Midwest. The state of the agricultural and local industrial sectors are important factors in its loan portfolio.
Weekly dynamics of market capitalization of the market segment - Regional banks
First Busey, like most regional banks, is heavily dependent on sector-wide factors: Federal Reserve policy and the economic situation in its region. Its weekly performance typically correlates with industry indices. The chart allows one to assess whether the bank, through conservative management or a strong position in the local market, is outperforming its sector peers.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
First Busey is a banking holding company operating in Illinois and neighboring states. Its performance reflects the economic situation in the US Midwest. The chart shows how its shares correlate with overall market movements, serving as an indicator for its region.
Market capitalization of the company, segment and market as a whole
BUSE - Market capitalization of the company First Busey Corporation
First Busey Corporation's market capitalization chart reflects its position as a strong community bank in Illinois and surrounding regions. Its market capitalization dynamics reflect investors' perceptions of its diversified business, which includes not only banking but also asset management. This reflects its ability to serve all of its clients' financial needs.
BUSE - Share of the company's market capitalization First Busey Corporation within the market segment - Regional banks
First Busey Corporation is a regional bank with a significant market share in Illinois and neighboring states. Its capitalization reflects its conservative model and focus on providing a full range of banking services to its local communities.
Market capitalization of the market segment - Regional banks
The chart below shows the combined market capitalization of regional banks. First Busey Corporation is a strong player in Illinois and neighboring states. The dynamics of this market are a barometer of economic activity in the American Midwest. Busey's success is based on traditional banking values โโand deep integration into local communities.
Market capitalization of all companies included in a broad market index - GURU.Markets
First Busey Corporation is a regional bank providing services in Illinois, Missouri, and Florida. Its market capitalization reflects its economic diversification and connectivity across the U.S., as reflected in its share of the nation's financial institutions on the chart.
Book value capitalization of the company, segment and market as a whole
BUSE - Book value capitalization of the company First Busey Corporation
First Busey Corporation's asset base is the capital of this regional bank with a strong presence in Illinois. Its book value provides the foundation for providing a full range of banking and trust services. The chart shows growth through acquisitions of smaller banks, which allowed Busey to expand its presence and strengthen its capital base.
BUSE - Share of the company's book capitalization First Busey Corporation within the market segment - Regional banks
First Busey Corporation is a bank serving customers in the Midwest. The chart shows its share of physical assets. This network of branches and transaction centers is the foundation of its traditional, community-focused banking model.
Market segment balance sheet capitalization - Regional banks
First Busey Corporation is a diversified financial holding company, making it quite capital-intensive. In addition to banking branches, its balance sheet may include assets in wealth management and mortgages. Given its sector, its diversified model requires both physical and significant financial assets.
Book value of all companies included in the broad market index - GURU.Markets
First Busey Corporation's assets are the financial foundation for communities across Illinois and beyond. The bank's balance sheet reflects its commitment to lending to local businesses and residents, fostering their growth. The chart shows how much of the region's real economy relies on this financial institution's capital.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - First Busey Corporation
First Busey Corporation is a regional bank, and its balance sheet (loans and deposits) forms the basis of its value. Market capitalization reflects how investors view its growth, profitability, and asset quality in its geographic region. The chart helps understand whether the market sees opportunities not yet fully reflected in the company's balance sheet.
Market to book capitalization ratio in a market segment - Regional banks
First Busey Corporation is a regional bank whose core business is built on tangible assets and customer trust. This chart shows that the company's market value typically hovers close to its book value. This reflects the stable and predictable nature of banking, where surprises are unwelcome.
Market to book capitalization ratio for the market as a whole
First Busey Corporation is a banking holding company offering a wide range of financial services. Its market value is directly linked to its book value, as the bank's core business is asset and liability management. This chart compares the valuation of traditional banking with that of companies in other sectors of the economy.
Debts of the company, segment and market as a whole
BUSE - Company debts First Busey Corporation
First Busey Corporation is a financial holding company providing banking and investment services. To expand its presence and range of services, the company may use debt instruments to finance the acquisition of smaller banks and organic growth of its loan portfolio, which is reflected in the dynamics of its financial liabilities.
Market segment debts - Regional banks
First Busey Corporation is a bank holding company serving clients in several states. For a regional bank growing through acquisitions, debt management is part of its integration strategy. This chart shows how the company uses its balance sheet to fund growth and how its financial structure compares to other consolidators in the banking industry.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio First Busey Corporation
First Busey Corporation is a regional bank providing financial services in Illinois and neighboring states. This chart illustrates its balanced growth strategy. Its debt-to-equity ratio reflects its ability to finance both organic loan portfolio growth and periodic acquisitions of smaller banks to expand its footprint.
Market segment debt to market segment book capitalization - Regional banks
First Busey Corporation is a regional bank that is growing, in part, through mergers and acquisitions. This chart shows the overall debt burden in the banking sector. It helps understand how the bank's growth strategy impacts its financial structure and how it compares to competitors who may pursue organic growth.
Debt to book value of all companies in the market
First Busey Corporation, as a regional bank, is part of the country's financial system. The chart shows the collective debt burden for the entire economy. It helps understand how the bank's growth strategy through mergers and acquisitions correlates with the overall market risk appetite, reflected in this macro indicator.
P/E of the company, segment and market as a whole
P/E - First Busey Corporation
For First Busey Corporation, a regional bank operating in several states, this chart evaluates its acquisition-based growth strategy. The price-to-earnings ratio shows whether investors believe the bank can effectively integrate new assets and increase profitability. The dynamics reflect the balance between growth and the risks associated with business expansion.
P/E of the market segment - Regional banks
This chart shows a typical valuation for the regional banking sector, where First Busey operates. For investors, this is a key benchmark, allowing them to understand whether the company is valued above or below its direct competitors. A deviation may be due to a successful acquisition strategy or a higher-quality loan portfolio.
P/E of the market as a whole
First Busey Corporation is a regional bank providing a wide range of services in Illinois and neighboring states. Its performance reflects the state of the Midwest economy. This overall market sentiment chart shows how investors view the outlook for the overall U.S. economy and compares this with the actual state of affairs in the regions where Busey operates.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company First Busey Corporation
First Busey Corporation is a bank holding company providing financial services in Illinois and surrounding regions. Its future earnings depend on the health of the local economy, including agriculture and manufacturing. This chart reflects analyst expectations for loan portfolio growth and the financial stability of its clients.
Future (projected) P/E of the market segment - Regional banks
First Busey Corporation is a financial holding company providing banking and trust services in Illinois and neighboring states. Comparing its valuation with other regional banks reveals how investors view its diversified business model and growth prospects in the mature Midwest market. This is an indicator of confidence in its management team.
Future (projected) P/E of the market as a whole
First Busey Corporation is a regional bank providing financial services in Illinois, Missouri, and Florida. Like any bank, its prospects depend on the economic health of the regions where it operates. This chart reflects profitability expectations for the entire U.S. market, providing important context for assessing risks and opportunities in the regions where First Busey operates.
Profit of the company, segment and market as a whole
Company profit First Busey Corporation
First Busey Corporation is a regional bank providing a wide range of financial services in Illinois, Missouri, and Florida. The financial results illustrated in this chart depend on a successful combination of commercial and retail banking. Growth in the communities it serves directly impacts the bank's performance.
Profit of companies in the market segment - Regional banks
First Busey Corporation is a regional bank providing a full range of financial services in Illinois and neighboring states. Its performance mirrors the Midwest economy. This chart aggregates the profits of all regional banks, allowing you to compare Busey's performance with the overall trend and understand whether it is outperforming the sector or facing common challenges.
Overall market profit
First Busey Corporation is a financial holding company providing banking and investment services. As a regional player, it is sensitive to the economic health of the communities in which it operates. This chart serves as an indicator of a national trend: rising corporate profits typically indicate a favorable environment for lending and asset management.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company First Busey Corporation
First Busey Corporation is a financial holding company providing banking services in Illinois and surrounding regions. Its profits, like those of most regional banks, depend on net interest income and the health of the local economy. This chart shows analyst consensus forecasts for credit demand and asset quality in its operating area.
Future (predicted) profit of companies in the market segment - Regional banks
First Busey Corporation is a financial holding company providing banking, asset management, and insurance services in Illinois, Missouri, Indiana, and Florida. This chart reflects profitability expectations for regional banks. It allows one to assess how Busey's diversified business model and geographic presence impact its resilience to economic cycles.
Future (predicted) profit of the market as a whole
First Busey Corporation is a regional bank providing a full range of financial services in Illinois and neighboring states. This graph, which reflects profit expectations, serves as a barometer of business activity in the bank's markets. Economic growth stimulates lending and investment, which directly impacts First Busey's financial performance and growth prospects.
P/S of the company, segment and market as a whole
P/S - First Busey Corporation
First Busey Corporation is a regional bank holding company. This chart shows how investors value its traditional banking revenue, which is closely tied to the economic health of Illinois and the surrounding area. The metric reflects stability and moderate growth.
P/S market segment - Regional banks
First Busey Corporation is a financial holding company providing banking, trust, and investment services in the Midwest. This chart shows the average valuation for regional banks. It helps investors understand how Busey's market capitalization compares to its revenue compared to other banks operating in the same states.
P/S of the market as a whole
First Busey Corporation is a regional bank serving customers in Illinois, Missouri, and Florida. Like most banks, its revenue comes from interest income. This chart allows investors to see how the market values โโthe traditional banking sector in the context of the overall economic situation and the valuations of companies in other industries.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company First Busey Corporation
First Busey Corporation is a financial holding company providing banking and trust services in Illinois and neighboring states. Future revenue depends on loan portfolio growth and fee income. The chart reflects investor expectations regarding economic activity in the Midwest and the bank's ability to expand its client base.
Future (projected) P/S of the market segment - Regional banks
First Busey Corporation is a bank holding company providing financial services in Illinois, Missouri, and other Midwestern states. The bank is actively growing through mergers and acquisitions. This chart provides an overview of how the market views its future revenue compared to other regional banks, given its consolidation strategy.
Future (projected) P/S of the market as a whole
This chart shows the overall market forecast for economic growth. For First Busey Corporation, a regional bank operating in several Midwestern states, this is an indicator of the health of its diversified client portfolio. Investor optimism points to growth in both the agricultural and commercial sectors, supporting the bank's stability.
Sales of the company, segment and market as a whole
Company sales First Busey Corporation
First Busey Corporation is a financial holding company providing banking services in Illinois, Missouri, and Florida. This chart shows key revenues from loan interest and fees. Revenue growth reflects the successful integration of acquired banks, organic loan portfolio growth, and the introduction of private wealth management services.
Sales of companies in the market segment - Regional banks
First Busey Corporation is a regional bank providing a wide range of financial services in Illinois and neighboring states. This chart shows the combined revenues of banks in the region. Busey focuses on comprehensive customer service, and its financial results reflect the health of local businesses and consumer activity, serving as an indicator of the health of the economy.
Overall market sales
First Busey Corporation is a regional bank serving clients in Illinois and surrounding areas. Its financial health is closely tied to the local economy. The presented total revenue chart provides insight into the economic environment in which the bank's clients operate, which directly impacts its loan portfolio and profitability.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company First Busey Corporation
First Busey Corporation is a regional bank serving clients in Illinois, Missouri, and other Midwestern states. Its revenue is generated through lending and asset management. This chart reflects analysts' forecasts for the economic health of these regions, including the health of agriculture and small businesses, which are the bank's key clients.
Future (projected) sales of companies in the market segment - Regional banks
First Busey Corporation is a regional bank providing financial services in Illinois, Missouri, and Florida. This forecast reflects analyst expectations for the entire regional banking sector. It helps assess overall economic conditions and credit demand in the regions where the bank operates, which is key to understanding its prospects.
Future (projected) sales of the market as a whole
First Busey Corporation is a financial holding company offering banking, trust, and investment services in Illinois, Missouri, and Florida. Its growth depends on the economic health of these regions. This chart, reflecting overall business activity forecasts, serves as an indicator of demand for commercial loans and mortgages, which are the core of Busey's banking business.
Marginality of the company, segment and market as a whole
Company marginality First Busey Corporation
First Busey Corporation is a diversified financial holding company providing banking and wealth management services. This chart shows the combined performance of its divisions. The company's profitability depends on both interest margins in the banking sector and fee income from managing client investments.
Market segment marginality - Regional banks
First Busey Corporation is a regional bank holding company offering a wide range of financial services. Its profitability depends on its ability to effectively manage interest margins, generate fee and commission income, and control expenses. This metric demonstrates how successfully the bank competes in its markets compared to other regional players.
Market marginality as a whole
First Busey Corporation is a regional bank holding company serving clients in Illinois and neighboring states. The presented corporate profitability chart is an important indicator of economic conditions. It helps the bank assess the risks and prospects of lending to local businesses, whose financial health directly impacts Busey's performance.
Employees in the company, segment and market as a whole
Number of employees in the company First Busey Corporation
First Busey Corporation is a financial holding company providing banking, trust, and asset management services. The chart reflects its workforce spread across several states. The growth may be due to both organic growth and the integration of acquired banking assets.
Share of the company's employees First Busey Corporation within the market segment - Regional banks
First Busey Corporation is a diversified financial services company providing banking and asset management services. This metric reflects its scale as a diversified employer in the financial sector. It demonstrates the proportion of bank employees and financial advisors Busey employs to provide comprehensive client service in its region.
Number of employees in the market segment - Regional banks
First Busey Corporation is a financial holding company that provides banking, trust, and investment services through its subsidiary, Busey Bank, in Illinois, Missouri, Indiana, and Florida. This chart illustrates employment in the regional banking sector, which plays a key role in lending to small and medium-sized businesses, a significant driver of local job creation.
Number of employees in the market as a whole
First Busey Corporation is a bank holding company providing financial services in Illinois, Missouri, Indiana, and Florida. Its focus on serving communities makes it an important indicator of regional economic health. The growth of its loan portfolio and headcount reflects positive trends in small businesses, which together form the overall picture of this chart.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company First Busey Corporation (BUSE)
First Busey Corporation is a financial holding company providing banking services in Illinois and neighboring states. This chart illustrates the traditional banking model. Moderate capitalization per employee is typical for a business where value is created by a large team within a branch network working directly with clients and local businesses.
Market capitalization per employee (in thousands of dollars) in the market segment - Regional banks
First Busey Corporation (BUSE) is a regional bank providing banking, wealth management, and insurance services in Illinois, Missouri, and southwest Florida. This chart shows the industry average cost per employee. It helps assess how the market values โโtheir staff performance and diversified revenue stream compared to other regional banks.
Market capitalization per employee (in thousands of dollars) for the overall market
First Busey Corporation is a financial holding company offering banking, trust, insurance, and investment services. This indicator shows the average market value of one employee, allowing for comparison of diversified financial services with the overall economy.
Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company First Busey Corporation (BUSE)
First Busey Corporation is a regional bank. For them, this chart is a key performance indicator. It measures the net profit from banking operations (loans, deposits, asset management) generated per employee. This helps evaluate the effectiveness of personnel expense management and branch network optimization.
Profit per employee (in thousands of dollars) in the market segment - Regional banks
First Busey (BUSE) is a classic US regional bank (Illinois). This chart shows the benchmark for "Regional Banks." Average profit per employee in this industry is an indicator of the efficiency of traditional banking (deposits/loans). The benchmark reflects the sector's ability to manage interest margins and operating expenses on average.
Profit per employee (in thousands of dollars) for the market as a whole
First Busey Corporation is another regional bank operating in the Midwest. For investors, this chart compares Busey to competitors (like FRME or SYBT). It shows how effectively Busey's management manages expenses, automates processes, and maintains a high-quality loan portfolio to generate profit per employee.
Sales to employees of the company, segment and market as a whole
Sales per company employee First Busey Corporation (BUSE)
First Busey Corporation is a financial holding company offering banking, trust, and investment services. This chart reflects the health and performance of the regional bank. It shows how the company's employees generate revenue through lending, asset management, and customer service, making it a vital part of the local economy.
Sales per employee in the market segment - Regional banks
First Busey Corporation is a regional bank serving Illinois, Missouri, and Florida. Employee efficiency is a key driver in banking. This chart shows the average revenue per employee in the segment. It allows you to assess how effectively the BUSE team generates revenue compared to competitors in the region.
Sales per employee for the market as a whole
First Busey Corporation is a regional bank providing banking and asset management services. It is a diversified financial company. This metric reflects how productive its employees are in generating revenue from various sourcesโboth traditional lending and wealth management fees.
Short shares by company, segment and market as a whole
Shares shorted by company First Busey Corporation (BUSE)
First Busey Corporation is a regional bank operating in Illinois and the Midwest. The economies of these states are growing more slowly than the national average, posing risks to lending growth. This chart shows the percentage of bears who are betting on stagnation in the region or see vulnerabilities in the bank's commercial real estate portfolio.
Shares shorted by market segment - Regional banks
First Busey Corporation is a regional bank providing banking, asset management, and mortgage services in Illinois, Missouri, Florida, and Indiana. This chart measures the aggregate short position across the entire regional bank segment. Its growth signals that investors perceive systemic risks for the industry, such as an increase in nonperforming loans or pressure on deposits in these regions.
Shares shorted by the overall market
First Busey (BUSE) is a regional bank. When the Short_All chart rises, it reflects overall market pessimism. For banks, this fear indicator immediately translates into concerns about loan quality. Investors fear that a correction will lead to increased defaults in BUSE's portfolio.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator First Busey Corporation (BUSE)
First Busey Corporation (BUSE) is a regional bank serving Illinois, Missouri, Florida, and Indiana. They offer a range of traditional banking services, including commercial lending. This chart measures the rate of price change. It helps identify when the stock is "overheated" (above 70) due to expectations of rising rates or "oversold" (below 30) amid concerns about the quality of the portfolio's assets.
RSI 14 Market Segment - Regional banks
First Busey (BUSE) is a regional bank serving Illinois and neighboring states. They provide banking and asset management services. This chart shows the overall sentiment in the Regional Banks sector. It helps investors understand whether BUSE's performance reflects the regional economy or whether the overall banking sector is overheated or oversold.
RSI 14 for the overall market
First Busey (BUSE), a regional bank. This chart reflects the "temperature" of small businesses and the real estate market in its region. During periods of euphoria, local businesses take out loans for expansion. During periods of panic and economic downturn, the risk of default on these loans increases for the bank, requiring increased reserves.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast BUSE (First Busey Corporation)
First Busey Corporation is a regional bank providing financial services in Illinois, Missouri, Florida, and Indiana. This chart displays the average analyst estimate, demonstrating their collective price target for BUSE stock based on loan portfolio growth and interest margin management.
The difference between the consensus estimate and the actual stock price BUSE (First Busey Corporation)
First Busey (BUSE) is a regional bank serving clients in Illinois, Missouri, and Florida, providing banking and wealth management services. This chart shows their growth estimate. It measures the gap between the price and the consensus target, reflecting analysts' perceived growth potential in these diverse markets.
Analyst consensus forecast for stock prices by market segment - Regional banks
First Busey (BUSE) is a financial holding company operating in Illinois, Missouri, and Florida. It provides banking services and asset management. This chart shows analysts' overall expectations for the regional banking sector. It reflects whether experts believe the bank will successfully expand from the Midwest to the South.
Analysts' consensus forecast for the overall market share price
First Busey (BUSE) is a regional bank operating in the Midwest (Illinois). Its business serves as a barometer of the region's economy. This chart, which shows overall market sentiment, serves as an indicator for BUSE. If the market is pessimistic, it means a slowdown in lending (especially in agriculture and industry) and increased risks.
AKIMA index of the company, segment and market as a whole
AKiMA Company Index First Busey Corporation
First Busey is a regional bank with strong roots in Illinois that has also expanded into Florida and other states. They offer a full range of banking services. This chart is a summary indicator reflecting the health of their diversified markets. It measures their lending growth in both the mature Midwest and the fast-growing Sun Belt markets.
AKIMA Market Segment Index - Regional banks
First Busey (BUSE) is a diversified regional bank (headquartered in Illinois) serving communities in the Midwest (Illinois, Missouri, and Florida). This composite metric evaluates banks. The chart shows the sector average. This benchmark: how does Busey's traditional regional model differentiate it from its mid-sized, larger competitor?
The AKIM Index for the overall market
First Busey is a financial holding company serving the Midwest (Illinois, Missouri). The company provides banking services and asset management. This chart, showing the market average, provides a macro backdrop. It helps assess how First Busey, a stable regional player, compares to the overall macroeconomic picture and interest rates.