BANKUNITED INC(NYSE:BKU) stock Fundamental Analysis

Fundamental Rating

BKU gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. Both the profitability and financial health of BKU have multiple concerns. BKU has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

BKU had positive earnings in the past year.

In the past year BKU had a positive cash flow from operations.

Each year in the past 5 years BKU has been profitable.

BKU had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

BKU has a worse Return On Assets (0.50%) than 73.18% of its industry peers.

With a Return On Equity value of 6.43%, BKU is not doing good in the industry: 65.41% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.5%
ROE	6.43%
ROIC	N/A

ROA(3y)0.63%

ROA(5y)0.72%

ROE(3y)8.8%

ROE(5y)9.24%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BKU has a Profit Margin of 18.36%. This is in the lower half of the industry: BKU underperforms 65.41% of its industry peers.

BKU's Profit Margin has declined in the last couple of years.

BKU does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	18.36%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-19.98%

PM growth 5Y-7.51%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BKU does not have a ROIC to compare to the WACC, probably because it is not profitable.

BKU has more shares outstanding than it did 1 year ago.

BKU has less shares outstanding than it did 5 years ago.

The debt/assets ratio for BKU is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BKU is 2.27, which is a good value as it means it would take BKU, 2.27 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 2.27, BKU perfoms like the industry average, outperforming 57.39% of the companies in the same industry.

BKU has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

BKU has a Debt to Equity ratio (0.25) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	2.27
Altman-Z	N/A

ROIC/WACCN/A

WACC12.07%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BKU shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.32%.

Measured over the past years, BKU shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.70% on average per year.

The Revenue has been growing slightly by 5.50% in the past year.

Measured over the past years, BKU shows a small growth in Revenue. The Revenue has been growing by 2.40% on average per year.

EPS 1Y (TTM)7.32%

EPS 3Y-9.61%

EPS 5Y-0.7%

EPS Q2Q%19.74%

Revenue 1Y (TTM)5.5%

Revenue growth 3Y2.91%

Revenue growth 5Y2.4%

Sales Q2Q%12.87%

3.2 Future

BKU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.45% yearly.

BKU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.03% yearly.

EPS Next Y7.03%

EPS Next 2Y9.63%

EPS Next 3Y8.45%

EPS Next 5YN/A

Revenue Next Year8.59%

Revenue Next 2Y7.85%

Revenue Next 3Y8.03%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.47 indicates a correct valuation of BKU.

The rest of the industry has a similar Price/Earnings ratio as BKU.

BKU is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 11.65, the valuation of BKU can be described as very reasonable.

BKU's Price/Forward Earnings is on the same level as the industry average.

BKU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.70.

		Industry Rank	Sector Rank
PE	12.47
Fwd PE	11.65

4.2 Price Multiples

BKU's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BKU is cheaper than 77.44% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.2
EV/EBITDA	N/A

4.3 Compensation for Growth

BKU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.78

PEG (5Y)N/A

EPS Next 2Y9.63%

EPS Next 3Y8.45%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.94%, BKU has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.19, BKU has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.27, BKU pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.94%

5.2 History

The dividend of BKU has a limited annual growth rate of 3.48%.

BKU has paid a dividend for at least 10 years, which is a reliable track record.

As BKU did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)3.48%

Div Incr Years5

Div Non Decr Years9

5.3 Sustainability

BKU pays out 46.51% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of BKU is growing, but earnings are growing more, so the dividend growth is sustainable.

DP46.51%

EPS Next 2Y9.63%

EPS Next 3Y8.45%

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BANKUNITED INC

NYSE:BKU (2/24/2025, 9:50:42 AM)

38.41

+0.5 (+1.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/bmo

Earnings (Next)04-15 2025-04-15/bmo

Inst Owners102.19%

Inst Owner Change-91.02%

Ins Owners0.94%

Ins Owner Change-1.22%

Market Cap2.87B

Analysts69.33

Price Target44.81 (16.66%)

Short Float %3.48%

Short Ratio3.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.94%

Yearly Dividend1.05

Dividend Growth(5Y)3.48%

DP46.51%

Div Incr Years5

Div Non Decr Years9

Ex-Date01-10 2025-01-10 (0.29)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)9.22%

Min EPS beat(2)8.23%

Max EPS beat(2)10.21%

EPS beat(4)4

Avg EPS beat(4)8.55%

Min EPS beat(4)6.45%

Max EPS beat(4)10.21%

EPS beat(8)4

Avg EPS beat(8)-3.29%

EPS beat(12)6

Avg EPS beat(12)-2.26%

EPS beat(16)10

Avg EPS beat(16)4.54%

Revenue beat(2)1

Avg Revenue beat(2)-0.39%

Min Revenue beat(2)-2.46%

Max Revenue beat(2)1.68%

Revenue beat(4)1

Avg Revenue beat(4)-1.52%

Min Revenue beat(4)-5.04%

Max Revenue beat(4)1.68%

Revenue beat(8)1

Avg Revenue beat(8)-4.66%

Revenue beat(12)2

Avg Revenue beat(12)-3.28%

Revenue beat(16)3

Avg Revenue beat(16)-2.94%

PT rev (1m)1.47%

PT rev (3m)9.77%

EPS NQ rev (1m)1.55%

EPS NQ rev (3m)3.57%

EPS NY rev (1m)1.45%

EPS NY rev (3m)1.33%

Revenue NQ rev (1m)-0.24%

Revenue NQ rev (3m)-0.24%

Revenue NY rev (1m)1.37%

Revenue NY rev (3m)1.55%

Valuation

		Industry Rank	Sector Rank
PE	12.47
Fwd PE	11.65
P/S	2.92
P/FCF	9.2
P/OCF	9.2
P/B	1.02
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)3.08

EY8.02%

EPS(NY)3.3

Fwd EY8.58%

FCF(TTM)4.17

FCFY10.87%

OCF(TTM)4.17

OCFY10.87%

SpS13.15

BVpS37.56

TBVpS36.52

PEG (NY)1.78

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.5%
ROE	6.43%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.36%
GM	N/A
FCFM	31.74%

ROA(3y)0.63%

ROA(5y)0.72%

ROE(3y)8.8%

ROE(5y)9.24%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-19.98%

PM growth 5Y-7.51%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	2.27
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	172.86%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.07%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)7.32%

EPS 3Y-9.61%

EPS 5Y-0.7%

EPS Q2Q%19.74%

EPS Next Y7.03%

EPS Next 2Y9.63%

EPS Next 3Y8.45%

EPS Next 5YN/A

Revenue 1Y (TTM)5.5%

Revenue growth 3Y2.91%

Revenue growth 5Y2.4%

Sales Q2Q%12.87%

Revenue Next Year8.59%

Revenue Next 2Y7.85%

Revenue Next 3Y8.03%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-45.29%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-45.29%

OCF growth 3YN/A

OCF growth 5YN/A

BANKUNITED INC (BKU) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens