BANKUNITED INC (BKU) Stock Fundamental Analysis
NYSE:BKU - New York Stock Exchange, Inc. - US06652K1034 - Common Stock - Currency: USD
Overall BKU gets a fundamental rating of 4 out of 10. We evaluated BKU against 398 industry peers in the Banks industry. BKU has a bad profitability rating. Also its financial health evaluation is rather negative. BKU has a decent growth rate and is not valued too expensively. Finally BKU also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BKU had positive earnings in the past year.
In the past year BKU had a positive cash flow from operations.
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.
1.2 Ratios
BKU has a Return On Assets of 0.65%. This is in the lower half of the industry: BKU underperforms 64.07% of its industry peers.
BKU's Return On Equity of 8.11% is in line compared to the rest of the industry. BKU outperforms 47.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 8.11% | ||
| 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
1.3 Margins
BKU has a Profit Margin (22.53%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of BKU has declined.
The Operating Margin and Gross Margin are not available for BKU so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.53% | ||
| 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
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 more shares outstanding
BKU has less shares outstanding than it did 5 years ago.
BKU has a worse debt/assets ratio than last year.
2.2 Solvency
BKU has a debt to FCF ratio of 1.63. This is a very positive value and a sign of high solvency as it would only need 1.63 years to pay back of all of its debts.
With a Debt to FCF ratio value of 1.63, BKU perfoms like the industry average, outperforming 57.54% of the companies in the same industry.
BKU has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
BKU has a Debt to Equity ratio of 0.25. This is in the lower half of the industry: BKU underperforms 63.07% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.59% 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.
The Revenue has been growing slightly by 7.22% in the past 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
Based on estimates for the next years, BKU will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.45% on average per year.
BKU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.96% yearly.
EPS Next Y5.96%
EPS Next 2Y9.41%
EPS Next 3Y8.45%
EPS Next 5YN/A
Revenue Next Year8.5%
Revenue Next 2Y7.62%
Revenue Next 3Y6.96%
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 10.30 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 70.10% of the companies listed in the same industry.
BKU is valuated cheaply when we compare the Price/Earnings ratio to 28.88, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.00, the valuation of BKU can be described as very reasonable.
64.07% of the companies in the same industry are more expensive than BKU, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, BKU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.3 | ||
| Fwd PE | 9 |
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 90.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BKU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.73
PEG (5Y)N/A
EPS Next 2Y9.41%
EPS Next 3Y8.45%
5. Dividend
5.1 Amount
BKU has a Yearly Dividend Yield of 3.74%. Purely for dividend investing, there may be better candidates out there.
In the last 3 months the price of BKU has falen by -20.43%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.52, BKU pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, BKU pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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.
As BKU did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)5.76%
Div Incr Years5
Div Non Decr Years9
5.3 Sustainability
BKU pays out 37.45% of its income as dividend. This is a sustainable payout ratio.
The dividend of BKU is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.45%
EPS Next 2Y9.41%
EPS Next 3Y8.45%
NYSE:BKU (5/1/2025, 2:59:33 PM)
33.175
+0.46 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.19%
Inst Owner Change0.28%
Ins Owners0.94%
Ins Owner Change0.14%
Market Cap2.50B
Analysts70.67
Price Target42.31 (27.54%)
Short Float %3.88%
Short Ratio3.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
Yearly Dividend1.15
Dividend Growth(5Y)5.76%
DP37.45%
Div Incr Years5
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.95%
Min EPS beat(2)8.23%
Max EPS beat(2)25.68%
EPS beat(4)4
Avg EPS beat(4)12.64%
Min EPS beat(4)6.45%
Max EPS beat(4)25.68%
EPS beat(8)5
Avg EPS beat(8)3.06%
EPS beat(12)6
Avg EPS beat(12)-0.49%
EPS beat(16)10
Avg EPS beat(16)4.56%
Revenue beat(2)1
Avg Revenue beat(2)-1.09%
Min Revenue beat(2)-2.46%
Max Revenue beat(2)0.29%
Revenue beat(4)2
Avg Revenue beat(4)-0.19%
Min Revenue beat(4)-2.46%
Max Revenue beat(4)1.68%
Revenue beat(8)2
Avg Revenue beat(8)-4.52%
Revenue beat(12)2
Avg Revenue beat(12)-4.05%
Revenue beat(16)3
Avg Revenue beat(16)-2.96%
PT rev (1m)-5.59%
PT rev (3m)-4.2%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)2.51%
EPS NY rev (1m)-1%
EPS NY rev (3m)0.44%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.3 | ||
| Fwd PE | 9 | ||
| P/S | 2.46 | ||
| P/FCF | 5.75 | ||
| P/OCF | 5.75 | ||
| P/B | 0.89 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY9.71%
EPS(NY)3.69
Fwd EY11.11%
FCF(TTM)5.77
FCFY17.38%
OCF(TTM)5.77
OCFY17.38%
SpS13.47
BVpS37.4
TBVpS36.37
PEG (NY)1.73
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 8.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.53% | ||
| GM | N/A | ||
| FCFM | 42.8% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 189.96% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.9%
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 Y5.96%
EPS Next 2Y9.41%
EPS Next 3Y8.45%
EPS Next 5YN/A
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%5.66%
Revenue Next Year8.5%
Revenue Next 2Y7.62%
Revenue Next 3Y6.96%
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-34.03%
FCF growth 3Y-28.28%
FCF growth 5Y-5.38%
OCF growth 1Y-34.03%
OCF growth 3Y-29.16%
OCF growth 5Y-7.36%