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BANKUNITED INC (BKU) Stock Fundamental Analysis

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

38.46  -0.35 (-0.9%)

After market: 38.46 0 (0%)

Fundamental Rating

4

Taking everything into account, BKU scores 4 out of 10 in our fundamental rating. BKU was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of BKU have multiple concerns. BKU is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years BKU always reported a positive cash flow from operatings.
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

Looking at the Return On Assets, with a value of 0.69%, BKU is doing worse than 62.63% of the companies in the same industry.
With a Return On Equity value of 8.24%, BKU perfoms like the industry average, outperforming 49.24% 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

BKU's Profit Margin of 23.24% is in line compared to the rest of the industry. BKU outperforms 47.98% 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 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.
BKU has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BKU has a worse debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 1.85, BKU is in line with its industry, outperforming 51.77% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that BKU is not too dependend on debt financing.
The Debt to Equity ratio of BKU (0.24) is worse than 64.65% of its industry peers.
Even though the debt/equity ratio score it not favorable for BKU, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACCN/A
WACC14.72%
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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 24.00% over the past year.
BKU shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.70% yearly.
BKU shows a small growth in Revenue. In the last year, the Revenue has grown by 5.49%.
BKU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.40% yearly.
EPS 1Y (TTM)24%
EPS 3Y-9.61%
EPS 5Y-0.7%
EPS Q2Q%26.39%
Revenue 1Y (TTM)5.49%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%9.48%

3.2 Future

Based on estimates for the next years, BKU will show a small growth in Earnings Per Share. The EPS will grow by 7.88% on average per year.
BKU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.30% yearly.
EPS Next Y5.87%
EPS Next 2Y7.12%
EPS Next 3Y7.88%
EPS Next 5YN/A
Revenue Next Year6.25%
Revenue Next 2Y6.66%
Revenue Next 3Y6.3%
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.
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

The Price/Earnings ratio is 11.28, which indicates a very decent valuation of BKU.
Based on the Price/Earnings ratio, BKU is valued a bit cheaper than 63.89% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.04. BKU is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.88 indicates a reasonable valuation of BKU.
BKU's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BKU to the average of the S&P500 Index (37.64), we can say BKU is valued rather cheaply.
Industry RankSector Rank
PE 11.28
Fwd PE 10.88
BKU Price Earnings VS Forward Price EarningsBKU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BKU is valued cheaper than 83.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.54
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)1.92
PEG (5Y)N/A
EPS Next 2Y7.12%
EPS Next 3Y7.88%

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6

5. Dividend

5.1 Amount

BKU has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.27, BKU has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, BKU pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.14%

5.2 History

The dividend of BKU has a limited annual growth rate of 5.76%.
BKU has paid a dividend for at least 10 years, which is 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 2Y7.12%
EPS Next 3Y7.88%
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 (7/25/2025, 8:04:00 PM)

After market: 38.46 0 (0%)

38.46

-0.35 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-20 2025-10-20/bmo
Inst Owners102.63%
Inst Owner Change-0.53%
Ins Owners0.88%
Ins Owner Change0.4%
Market Cap2.89B
Analysts70.67
Price Target41.66 (8.32%)
Short Float %4.75%
Short Ratio4.59
Dividend
Industry RankSector Rank
Dividend Yield 3.14%
Yearly Dividend1.15
Dividend Growth(5Y)5.76%
DP36.44%
Div Incr Years5
Div Non Decr Years9
Ex-Date07-11 2025-07-11 (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)1.35%
PT rev (3m)-5.87%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)-2.19%
EPS NY rev (1m)0.63%
EPS NY rev (3m)-0.08%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)-2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.25%
Valuation
Industry RankSector Rank
PE 11.28
Fwd PE 10.88
P/S 2.82
P/FCF 7.54
P/OCF 7.54
P/B 1
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)3.41
EY8.87%
EPS(NY)3.53
Fwd EY9.19%
FCF(TTM)5.1
FCFY13.26%
OCF(TTM)5.1
OCFY13.26%
SpS13.66
BVpS38.53
TBVpS37.49
PEG (NY)1.92
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
WACC14.72%
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)24%
EPS 3Y-9.61%
EPS 5Y-0.7%
EPS Q2Q%26.39%
EPS Next Y5.87%
EPS Next 2Y7.12%
EPS Next 3Y7.88%
EPS Next 5YN/A
Revenue 1Y (TTM)5.49%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%9.48%
Revenue Next Year6.25%
Revenue Next 2Y6.66%
Revenue Next 3Y6.3%
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-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%