BANKUNITED INC (BKU)
US06652K1034 - Common Stock
We assign a fundamental rating of 3 out of 10 to BKU. BKU was compared to 407 industry peers in the Banks industry. BKU has a bad profitability rating. Also its financial health evaluation is rather negative. BKU has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year BKU was profitable.
In the past year BKU had a positive cash flow from operations.
Each year in the past 5 years BKU has been profitable.
In the past 5 years BKU always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of BKU (0.50%) is worse than 72.35% of its industry peers.
BKU has a worse Return On Equity (6.43%) than 63.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 6.43% | ||
| ROIC | N/A |
ROA(3y)0.8%
ROA(5y)0.77%
ROE(3y)10.58%
ROE(5y)9.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BKU has a worse Profit Margin (18.36%) than 64.69% 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-5.14%
PM growth 5Y-7.12%
GM growth 3YN/A
GM growth 5YN/A
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 less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BKU has less shares outstanding
Compared to 1 year ago, BKU has an improved debt to assets ratio.
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.
BKU's Debt to FCF ratio of 2.27 is in line compared to the rest of the industry. BKU outperforms 57.78% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that BKU is not too dependend on debt financing.
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
WACC11.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BKU have decreased by 0.00% in the last year.
Measured over the past years, BKU shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.47% on average per year.
BKU shows a decrease in Revenue. In the last year, the revenue decreased by -1.30%.
The Revenue has been decreasing by -4.06% on average over the past years.
EPS 1Y (TTM)0%
EPS 3Y11.69%
EPS 5Y-1.47%
EPS Q2Q%28.57%
Revenue 1Y (TTM)-1.3%
Revenue growth 3Y2.77%
Revenue growth 5Y-4.06%
Sales Q2Q%32.38%
3.2 Future
BKU is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.60% yearly.
BKU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.30% yearly.
EPS Next Y1.62%
EPS Next 2Y6.4%
EPS Next 3Y7.6%
EPS Next 5YN/A
Revenue Next Year3.33%
Revenue Next 2Y5.21%
Revenue Next 3Y5.3%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BKU is valuated correctly with a Price/Earnings ratio of 13.18.
BKU's Price/Earnings is on the same level as the industry average.
BKU's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.
A Price/Forward Earnings ratio of 11.88 indicates a reasonable valuation of BKU.
BKU's Price/Forward Earnings ratio is in line with the industry average.
BKU is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 11.88 |
4.2 Price Multiples
75.31% of the companies in the same industry are more expensive than BKU, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BKU does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)8.11
PEG (5Y)N/A
EPS Next 2Y6.4%
EPS Next 3Y7.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.10%, BKU has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.21, BKU has a dividend in line with its industry peers.
BKU's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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 2Y6.4%
EPS Next 3Y7.6%
BANKUNITED INC
NYSE:BKU (12/24/2024, 7:58:20 PM)
After market: 38.61 0 (0%)38.61
+0.23 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners104.13%
Inst Owner Change-1.79%
Ins Owners0.96%
Ins Owner Change-2.76%
Market Cap2.89B
Analysts69.33
Price Target41.84 (8.37%)
Short Float %3.13%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
Dividend Growth(5Y)3.48%
DP46.51%
Div Incr Years5
Div Non Decr Years9
Ex-Date
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)6.05%
PT rev (3m)8.34%
EPS NQ rev (1m)1.99%
EPS NQ rev (3m)-4.23%
EPS NY rev (1m)0.66%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 11.88 | ||
| P/S | 2.94 | ||
| P/FCF | 9.25 | ||
| P/OCF | 9.25 | ||
| P/B | 1.03 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.93
EY7.59%
EPS(NY)3.25
Fwd EY8.42%
FCF(TTM)4.17
FCFY10.81%
OCF(TTM)4.17
OCFY10.81%
SpS13.15
BVpS37.56
TBVpS36.52
PEG (NY)8.11
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)0.8%
ROA(5y)0.77%
ROE(3y)10.58%
ROE(5y)9.63%
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-5.14%
PM growth 5Y-7.12%
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
WACC11.73%
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)375.08%
Profit Quality(5y)352.59%
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y11.69%
EPS 5Y-1.47%
EPS Q2Q%28.57%
EPS Next Y1.62%
EPS Next 2Y6.4%
EPS Next 3Y7.6%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.3%
Revenue growth 3Y2.77%
Revenue growth 5Y-4.06%
Sales Q2Q%32.38%
Revenue Next Year3.33%
Revenue Next 2Y5.21%
Revenue Next 3Y5.3%
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-80.3%
FCF growth 3Y-8.01%
FCF growth 5Y0.74%
OCF growth 1Y-80.3%
OCF growth 3Y-8.71%
OCF growth 5Y-4.42%