BANKUNITED INC (BKU) Fundamental Analysis & Valuation

NYSE:BKU • US06652K1034

Current stock price

46.04 USD
-1.19 (-2.52%)
At close:
46.04 USD
0 (0%)
After Hours:

This BKU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BKU Profitability Analysis

1.1 Basic Checks

  • In the past year BKU was profitable.
  • BKU had a positive operating cash flow in the past year.
  • 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.
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: 70.21% of the companies in the same industry are doing better.
  • BKU has a Return On Equity (8.60%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 8.6%
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

  • Looking at the Profit Margin, with a value of 24.03%, BKU is in line with its industry, outperforming 42.02% of the companies in the same industry.
  • BKU's Profit Margin has improved 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) 24.03%
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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4

2. BKU Health Analysis

2.1 Basic Checks

  • BKU does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BKU has been reduced compared to 1 year ago.
  • BKU has less shares outstanding than it did 5 years ago.
  • BKU has a better debt/assets ratio than last year.
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

  • BKU has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
  • BKU has a better Debt to FCF ratio (0.89) than 71.01% of its industry peers.
  • BKU has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • BKU has a Debt to Equity ratio of 0.10. This is in the better half of the industry: BKU outperforms 65.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACCN/A
WACC15.23%
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 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BKU Growth Analysis

3.1 Past

  • BKU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.73%, which is quite good.
  • 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.
  • BKU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.22%.
  • BKU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.32% yearly.
EPS 1Y (TTM)12.73%
EPS 3Y0.28%
EPS 5Y11.69%
EPS Q2Q%6.41%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y3.34%
Revenue growth 5Y4.32%
Sales Q2Q%7.16%

3.2 Future

  • Based on estimates for the next years, BKU will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.89% on average per year.
  • The Revenue is expected to grow by 5.81% on average over the next years.
EPS Next Y17.11%
EPS Next 2Y11.96%
EPS Next 3Y9.89%
EPS Next 5YN/A
Revenue Next Year8.36%
Revenue Next 2Y6.56%
Revenue Next 3Y5.81%
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 stable.
  • 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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5

4. BKU Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.68 indicates a correct valuation of BKU.
  • BKU's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, BKU is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.26, which indicates a very decent valuation of BKU.
  • BKU's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 21.68. BKU is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.68
Fwd PE 10.26
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

  • Based on the Price/Free Cash Flow ratio, BKU is valued a bit cheaper than the industry average as 76.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.46
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)1.09
EPS Next 2Y11.96%
EPS Next 3Y9.89%

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

8

5. BKU Dividend Analysis

5.1 Amount

  • BKU has a Yearly Dividend Yield of 2.79%.
  • BKU's Dividend Yield is comparable with the industry average which is at 2.52.
  • BKU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.79%

5.2 History

  • On average, the dividend of BKU grows each year by 6.05%, which is quite nice.
  • BKU has paid a dividend for at least 10 years, which is a reliable track record.
  • BKU has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.05%
Div Incr Years6
Div Non Decr Years10
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

  • BKU pays out 34.99% of its income as dividend. This is a sustainable payout ratio.
  • BKU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.99%
EPS Next 2Y11.96%
EPS Next 3Y9.89%
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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BKU Fundamentals: All Metrics, Ratios and Statistics

BANKUNITED INC

NYSE:BKU (4/29/2026, 8:04:00 PM)

After market: 46.04 0 (0%)

46.04

-1.19 (-2.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners109.77%
Inst Owner Change0.87%
Ins Owners0.81%
Ins Owner Change-0.05%
Market Cap3.39B
Revenue(TTM)1.11B
Net Income(TTM)262.65M
Analysts72
Price Target53.5 (16.2%)
Short Float %4.87%
Short Ratio3.91
Dividend
Industry RankSector Rank
Dividend Yield 2.79%
Yearly Dividend1.23
Dividend Growth(5Y)6.05%
DP34.99%
Div Incr Years6
Div Non Decr Years10
Ex-Date04-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.02%
Min EPS beat(2)5.43%
Max EPS beat(2)6.6%
EPS beat(4)4
Avg EPS beat(4)7.96%
Min EPS beat(4)4.44%
Max EPS beat(4)15.35%
EPS beat(8)8
Avg EPS beat(8)10.3%
EPS beat(12)9
Avg EPS beat(12)4.69%
EPS beat(16)10
Avg EPS beat(16)1.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-2.59%
Max Revenue beat(2)1.89%
Revenue beat(4)2
Avg Revenue beat(4)-0.73%
Min Revenue beat(4)-3.8%
Max Revenue beat(4)1.89%
Revenue beat(8)4
Avg Revenue beat(8)-0.46%
Revenue beat(12)4
Avg Revenue beat(12)-3.26%
Revenue beat(16)4
Avg Revenue beat(16)-3.22%
PT rev (1m)0%
PT rev (3m)16.31%
EPS NQ rev (1m)1.15%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)0.27%
EPS NY rev (3m)12.96%
Revenue NQ rev (1m)-0.31%
Revenue NQ rev (3m)0.57%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 12.68
Fwd PE 10.26
P/S 3.1
P/FCF 9.46
P/OCF 9.46
P/B 1.11
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)3.63
EY7.88%
EPS(NY)4.49
Fwd EY9.75%
FCF(TTM)4.86
FCFY10.57%
OCF(TTM)4.86
OCFY10.57%
SpS14.83
BVpS41.42
TBVpS40.37
PEG (NY)0.74
PEG (5Y)1.09
Graham Number58.1667 (26.34%)
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.03%
GM N/A
FCFM 32.8%
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-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.89
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.23%
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)233.99%
Profit Quality(5y)290.35%
High Growth Momentum
Growth
EPS 1Y (TTM)12.73%
EPS 3Y0.28%
EPS 5Y11.69%
EPS Q2Q%6.41%
EPS Next Y17.11%
EPS Next 2Y11.96%
EPS Next 3Y9.89%
EPS Next 5YN/A
Revenue 1Y (TTM)8.22%
Revenue growth 3Y3.34%
Revenue growth 5Y4.32%
Sales Q2Q%7.16%
Revenue Next Year8.36%
Revenue Next 2Y6.56%
Revenue Next 3Y5.81%
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-17.33%
FCF growth 3Y-34.8%
FCF growth 5Y-15.75%
OCF growth 1Y-17.33%
OCF growth 3Y-34.8%
OCF growth 5Y-16.13%

BANKUNITED INC / BKU Fundamental Analysis FAQ

What is the fundamental rating for BKU stock?

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


What is the valuation status of BANKUNITED INC (BKU) stock?

ChartMill assigns a valuation rating of 5 / 10 to BANKUNITED INC (BKU). This can be considered as Fairly Valued.


What is the profitability of BKU stock?

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


What is the valuation of BANKUNITED INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BANKUNITED INC (BKU) is 12.68 and the Price/Book (PB) ratio is 1.11.


Can you provide the dividend sustainability for BKU stock?

The dividend rating of BANKUNITED INC (BKU) is 8 / 10 and the dividend payout ratio is 34.99%.