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BANKUNITED INC (BKU) Stock Fundamental Analysis

NYSE:BKU - New York Stock Exchange, Inc. - US06652K1034 - Common Stock - Currency: USD

35.64  +0.13 (+0.37%)

After market: 35.64 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BKU. BKU was compared to 395 industry peers in the Banks industry. BKU may be in some trouble as it scores bad on both profitability and health. BKU is not valued too expensively and it also shows a decent growth rate. BKU also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
BKU had positive earnings in each of the past 5 years.
Each year in the past 5 years BKU had a positive operating cash flow.
BKU Yearly Net Income VS EBIT VS OCF VS FCFBKU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

BKU's Return On Assets of 0.69% is on the low side compared to the rest of the industry. BKU is outperformed by 62.78% of its industry peers.
With a Return On Equity value of 8.24%, BKU perfoms like the industry average, outperforming 48.86% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 8.24%
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
BKU Yearly ROA, ROE, ROICBKU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 23.24%, BKU is in line with its industry, outperforming 47.59% of the companies in the same industry.
In the last couple of years the Profit Margin of BKU has declined.
BKU does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.24%
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
BKU Yearly Profit, Operating, Gross MarginsBKU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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3

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.
Compared to 5 years ago, BKU has less shares outstanding
BKU has a worse debt/assets ratio than last year.
BKU Yearly Shares OutstandingBKU Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BKU Yearly Total Debt VS Total AssetsBKU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

BKU has a debt to FCF ratio of 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
BKU has a Debt to FCF ratio (1.85) which is comparable to the rest of the industry.
BKU has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
BKU has a worse Debt to Equity ratio (0.24) than 64.56% of its industry peers.
Although BKU does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACCN/A
WACC15.33%
BKU Yearly LT Debt VS Equity VS FCFBKU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BKU Yearly Current Assets VS Current LiabilitesBKU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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4

3. Growth

3.1 Past

BKU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.59%, which is quite good.
The Earnings Per Share has been decreasing by -0.70% on average over the past years.
Looking at the last year, BKU shows a small growth in Revenue. The Revenue has grown by 7.22% in the last year.
BKU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.40% yearly.
EPS 1Y (TTM)14.59%
EPS 3Y-9.61%
EPS 5Y-0.7%
EPS Q2Q%21.88%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%5.66%

3.2 Future

The Earnings Per Share is expected to grow by 7.87% on average over the next years.
BKU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
EPS Next Y5.21%
EPS Next 2Y7.44%
EPS Next 3Y7.87%
EPS Next 5YN/A
Revenue Next Year6.25%
Revenue Next 2Y6.53%
Revenue Next 3Y6.13%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BKU Yearly Revenue VS EstimatesBKU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
BKU Yearly EPS VS EstimatesBKU Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.07 indicates a reasonable valuation of BKU.
Compared to the rest of the industry, the Price/Earnings ratio of BKU indicates a somewhat cheap valuation: BKU is cheaper than 65.57% of the companies listed in the same industry.
BKU's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.92.
Based on the Price/Forward Earnings ratio of 10.02, the valuation of BKU can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BKU is on the same level as its industry peers.
BKU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.49.
Industry RankSector Rank
PE 11.07
Fwd PE 10.02
BKU Price Earnings VS Forward Price EarningsBKU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BKU indicates a rather cheap valuation: BKU is cheaper than 85.82% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.99
EV/EBITDA N/A
BKU Per share dataBKU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)2.12
PEG (5Y)N/A
EPS Next 2Y7.44%
EPS Next 3Y7.87%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.49%, BKU has a reasonable but not impressive dividend return.
BKU's Dividend Yield is a higher than the industry average which is at 3.61.
Compared to an average S&P500 Dividend Yield of 2.44, BKU pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.49%

5.2 History

The dividend of BKU has a limited annual growth rate of 5.76%.
BKU has been paying a dividend for at least 10 years, so it has a reliable track record.
BKU has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)5.76%
Div Incr Years5
Div Non Decr Years9
BKU Yearly Dividends per shareBKU Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

36.44% of the earnings are spent on dividend by BKU. This is a low number and sustainable payout ratio.
BKU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.44%
EPS Next 2Y7.44%
EPS Next 3Y7.87%
BKU Yearly Income VS Free CF VS DividendBKU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BKU Dividend Payout.BKU Dividend Payout, showing the Payout Ratio.BKU Dividend Payout.PayoutRetained Earnings

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BANKUNITED INC

NYSE:BKU (6/27/2025, 8:04:00 PM)

After market: 35.64 0 (0%)

35.64

+0.13 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners102.63%
Inst Owner Change1.08%
Ins Owners0.88%
Ins Owner Change0.4%
Market Cap2.68B
Analysts70.67
Price Target41.1 (15.32%)
Short Float %3.58%
Short Ratio3.09
Dividend
Industry RankSector Rank
Dividend Yield 3.49%
Yearly Dividend1.15
Dividend Growth(5Y)5.76%
DP36.44%
Div Incr Years5
Div Non Decr Years9
Ex-Date04-11 2025-04-11 (0.31)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.06%
Min EPS beat(2)4.44%
Max EPS beat(2)25.68%
EPS beat(4)4
Avg EPS beat(4)12.14%
Min EPS beat(4)4.44%
Max EPS beat(4)25.68%
EPS beat(8)6
Avg EPS beat(8)6.41%
EPS beat(12)7
Avg EPS beat(12)0.25%
EPS beat(16)10
Avg EPS beat(16)2.28%
Revenue beat(2)1
Avg Revenue beat(2)-1.75%
Min Revenue beat(2)-3.8%
Max Revenue beat(2)0.29%
Revenue beat(4)2
Avg Revenue beat(4)-1.07%
Min Revenue beat(4)-3.8%
Max Revenue beat(4)1.68%
Revenue beat(8)2
Avg Revenue beat(8)-4.01%
Revenue beat(12)2
Avg Revenue beat(12)-3.8%
Revenue beat(16)3
Avg Revenue beat(16)-3.11%
PT rev (1m)-0.07%
PT rev (3m)-8.28%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.25%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)-1.69%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.16%
Valuation
Industry RankSector Rank
PE 11.07
Fwd PE 10.02
P/S 2.61
P/FCF 6.99
P/OCF 6.99
P/B 0.93
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)3.22
EY9.03%
EPS(NY)3.56
Fwd EY9.98%
FCF(TTM)5.1
FCFY14.31%
OCF(TTM)5.1
OCFY14.31%
SpS13.66
BVpS38.53
TBVpS37.49
PEG (NY)2.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 8.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.24%
GM N/A
FCFM 37.36%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.85
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 160.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.33%
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)342.56%
Profit Quality(5y)352.42%
High Growth Momentum
Growth
EPS 1Y (TTM)14.59%
EPS 3Y-9.61%
EPS 5Y-0.7%
EPS Q2Q%21.88%
EPS Next Y5.21%
EPS Next 2Y7.44%
EPS Next 3Y7.87%
EPS Next 5YN/A
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%5.66%
Revenue Next Year6.25%
Revenue Next 2Y6.53%
Revenue Next 3Y6.13%
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-60.76%
FCF growth 3Y-28.28%
FCF growth 5Y-5.38%
OCF growth 1Y-60.76%
OCF growth 3Y-29.16%
OCF growth 5Y-7.36%