BANKUNITED INC (BKU) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:BKU • US06652K1034

50.93 USD
+0.71 (+1.41%)
At close: Feb 6, 2026
50.93 USD
0 (0%)
After Hours: 2/6/2026, 8:19:45 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BKU. BKU was compared to 383 industry peers in the Banks industry. BKU scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, BKU is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BKU had positive earnings in the past year.
  • BKU had a positive operating cash flow in the past year.
  • BKU had positive earnings in each of the past 5 years.
  • BKU had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • With a Return On Assets value of 0.75%, BKU is not doing good in the industry: 62.66% of the companies in the same industry are doing better.
  • BKU has a Return On Equity (8.70%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.75%
ROE 8.7%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.76%
ROE(3y)7.84%
ROE(5y)9.69%
ROIC(3y)N/A
ROIC(5y)N/A
BKU Yearly ROA, ROE, ROICBKU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • BKU has a Profit Margin (24.66%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of BKU has grown nicely.
  • The Operating Margin and Gross Margin are not available for BKU so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.66%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.26%
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
BKU Yearly Profit, Operating, Gross MarginsBKU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • BKU does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BKU has less shares outstanding
  • BKU has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BKU has been reduced compared to a year ago.
BKU Yearly Shares OutstandingBKU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BKU Yearly Total Debt VS Total AssetsBKU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of BKU is 0.76, which is an excellent value as it means it would take BKU, only 0.76 years of fcf income to pay off all of its debts.
  • BKU has a Debt to FCF ratio of 0.76. This is in the better half of the industry: BKU outperforms 73.37% of its industry peers.
  • BKU has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • BKU has a Debt to Equity ratio of 0.11. This is in the better half of the industry: BKU outperforms 66.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACCN/A
WACC13.7%
BKU Yearly LT Debt VS Equity VS FCFBKU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 16.23% over the past year.
  • Measured over the past years, BKU shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.69% on average per year.
  • The Revenue has been growing slightly by 7.87% in the past year.
  • The Revenue has been growing slightly by 4.32% on average over the past years.
EPS 1Y (TTM)16.23%
EPS 3Y0.28%
EPS 5Y11.69%
EPS Q2Q%3.3%
Revenue 1Y (TTM)7.87%
Revenue growth 3Y3.34%
Revenue growth 5Y4.32%
Sales Q2Q%8.98%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.18% on average over the next years.
  • The Revenue is expected to grow by 5.48% on average over the next years.
EPS Next Y3.68%
EPS Next 2Y6.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.64%
Revenue Next 2Y6.34%
Revenue Next 3Y5.48%
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 decreasing.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
BKU Yearly EPS VS EstimatesBKU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.23 indicates a correct valuation of BKU.
  • BKU's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of BKU to the average of the S&P500 Index (27.92), we can say BKU is valued slightly cheaper.
  • BKU is valuated correctly with a Price/Forward Earnings ratio of 13.72.
  • 67.10% of the companies in the same industry are cheaper than BKU, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 27.78. BKU is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.23
Fwd PE 13.72
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

  • 78.85% of the companies in the same industry are more expensive than BKU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.13
EV/EBITDA N/A
BKU Per share dataBKU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.87
PEG (5Y)1.22
EPS Next 2Y6.18%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • BKU has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.65, BKU has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, BKU pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.47%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 34.22% of the earnings are spent on dividend by BKU. This is a low number and sustainable payout ratio.
  • The dividend of BKU is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP34.22%
EPS Next 2Y6.18%
EPS Next 3YN/A
BKU Yearly Income VS Free CF VS DividendBKU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/6/2026, 8:19:45 PM)

After market: 50.93 0 (0%)

50.93

+0.71 (+1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-27
Inst Owners103.12%
Inst Owner Change0.3%
Ins Owners0.8%
Ins Owner Change0%
Market Cap3.83B
Revenue(TTM)1.09B
Net Income(TTM)263.73M
Analysts70.67
Price Target54.71 (7.42%)
Short Float %2.81%
Short Ratio2.17
Dividend
Industry RankSector Rank
Dividend Yield 2.47%
Yearly Dividend1.15
Dividend Growth(5Y)5.76%
DP34.22%
Div Incr Years5
Div Non Decr Years9
Ex-Date01-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.97%
Min EPS beat(2)6.6%
Max EPS beat(2)15.35%
EPS beat(4)4
Avg EPS beat(4)13.02%
Min EPS beat(4)4.44%
Max EPS beat(4)25.68%
EPS beat(8)8
Avg EPS beat(8)10.78%
EPS beat(12)8
Avg EPS beat(12)2.15%
EPS beat(16)10
Avg EPS beat(16)1.56%
Revenue beat(2)1
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-2.59%
Max Revenue beat(2)1.56%
Revenue beat(4)2
Avg Revenue beat(4)-1.13%
Min Revenue beat(4)-3.8%
Max Revenue beat(4)1.56%
Revenue beat(8)3
Avg Revenue beat(8)-1.33%
Revenue beat(12)3
Avg Revenue beat(12)-3.49%
Revenue beat(16)4
Avg Revenue beat(16)-2.74%
PT rev (1m)3.89%
PT rev (3m)8.45%
EPS NQ rev (1m)0.2%
EPS NQ rev (3m)2.17%
EPS NY rev (1m)0.66%
EPS NY rev (3m)1.73%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)1.81%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 14.23
Fwd PE 13.72
P/S 3.58
P/FCF 9.13
P/OCF 9.13
P/B 1.26
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)3.58
EY7.03%
EPS(NY)3.71
Fwd EY7.29%
FCF(TTM)5.58
FCFY10.96%
OCF(TTM)5.58
OCFY10.96%
SpS14.23
BVpS40.36
TBVpS39.32
PEG (NY)3.87
PEG (5Y)1.22
Graham Number57.01
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.66%
GM N/A
FCFM 39.2%
ROA(3y)0.63%
ROA(5y)0.76%
ROE(3y)7.84%
ROE(5y)9.69%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.26%
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.76
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 158.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.7%
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)16.23%
EPS 3Y0.28%
EPS 5Y11.69%
EPS Q2Q%3.3%
EPS Next Y3.68%
EPS Next 2Y6.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.87%
Revenue growth 3Y3.34%
Revenue growth 5Y4.32%
Sales Q2Q%8.98%
Revenue Next Year7.64%
Revenue Next 2Y6.34%
Revenue Next 3Y5.48%
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 1Y34.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y34.36%
OCF growth 3YN/A
OCF growth 5YN/A

BANKUNITED INC / BKU FAQ

What is the fundamental rating for BKU stock?

ChartMill assigns a fundamental rating of 4 / 10 to BKU.


Can you provide the valuation status for BANKUNITED INC?

ChartMill assigns a valuation rating of 3 / 10 to BANKUNITED INC (BKU). This can be considered as Overvalued.


Can you provide the profitability details for BANKUNITED INC?

BANKUNITED INC (BKU) has a profitability rating of 3 / 10.


What are the PE and PB ratios of BANKUNITED INC (BKU) stock?

The Price/Earnings (PE) ratio for BANKUNITED INC (BKU) is 14.23 and the Price/Book (PB) ratio is 1.26.


What is the earnings growth outlook for BANKUNITED INC?

The Earnings per Share (EPS) of BANKUNITED INC (BKU) is expected to grow by 3.68% in the next year.