BANKUNITED INC (BKU)
US06652K1034 - Common Stock
BKU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 412 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. BKU has a valuation in line with the averages, but it does not seem to be growing. BKU also has an excellent dividend rating.
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.
In the past 5 years BKU has always been profitable.
Each year in the past 5 years BKU had a positive operating cash flow.
1.2 Ratios
BKU has a Return On Assets of 0.49%. This is in the lower half of the industry: BKU underperforms 79.61% of its industry peers.
BKU has a Return On Equity of 6.45%. This is in the lower half of the industry: BKU underperforms 71.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 6.45% | ||
| 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 Profit Margin of 17.78%. This is in the lower half of the industry: BKU underperforms 73.30% 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) | 17.78% | ||
| 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 1.22, which is an excellent value as it means it would take BKU, only 1.22 years of fcf income to pay off all of its debts.
BKU has a better Debt to FCF ratio (1.22) than 72.57% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that BKU is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, BKU is in line with its industry, outperforming 44.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.97%
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 strongly by -18.79% in the last year.
BKU shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.47% yearly.
The Revenue has decreased by -5.35% in the past year.
BKU shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.06% yearly.
EPS 1Y (TTM)-18.79%
EPS 3Y11.69%
EPS 5Y-1.47%
EPS growth Q2Q-8.57%
Revenue 1Y (TTM)-5.35%
Revenue growth 3Y2.77%
Revenue growth 5Y-4.06%
Revenue growth Q2Q-1.09%
3.2 Future
The Earnings Per Share is expected to grow by 4.91% on average over the next years.
The Revenue is expected to grow by 3.54% on average over the next years.
EPS Next Y-5.48%
EPS Next 2Y2.54%
EPS Next 3Y4.91%
EPS Next 5YN/A
Revenue Next Year1.72%
Revenue Next 2Y4.25%
Revenue Next 3Y3.54%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.27 indicates a reasonable valuation of BKU.
The rest of the industry has a similar Price/Earnings ratio as BKU.
When comparing the Price/Earnings ratio of BKU to the average of the S&P500 Index (28.28), we can say BKU is valued rather cheaply.
A Price/Forward Earnings ratio of 9.56 indicates a reasonable valuation of BKU.
BKU's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BKU is cheaper than 66.02% of the companies in the same industry.
BKU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 9.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BKU is valued cheaply inside the industry as 93.69% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.54%
EPS Next 3Y4.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.03%, BKU is a good candidate for dividend investing.
BKU's Dividend Yield is a higher than the industry average which is at 3.78.
BKU's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
5.2 History
The dividend of BKU has a limited annual growth rate of 3.48%.
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)3.48%
Div Incr Years4
Div Non Decr Years8
5.3 Sustainability
BKU pays out 47.26% 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.
DP47.26%
EPS Next 2Y2.54%
EPS Next 3Y4.91%
BANKUNITED INC
NYSE:BKU (5/3/2024, 7:04:00 PM)
After market: 28.85 0 (0%)28.85
+0.08 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.16B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 9.56 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 6.45% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 17.78% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-18.79%
EPS 3Y11.69%
EPS 5Y
EPS growth Q2Q
EPS Next Y-5.48%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-5.35%
Revenue growth 3Y2.77%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y