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BANKUNITED INC (BKU) Stock Fundamental Analysis

USA - NYSE:BKU - US06652K1034 - Common Stock

39.15 USD
+0.86 (+2.25%)
Last: 11/18/2025, 1:56:04 PM
Fundamental Rating

4

Overall BKU gets a fundamental rating of 4 out of 10. We evaluated BKU against 388 industry peers in the Banks industry. Both the profitability and financial health of BKU have multiple concerns. BKU has a correct valuation and a medium 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.
In the past year BKU had a positive cash flow from operations.
BKU had positive earnings in each of the past 5 years.
Each year in the past 5 years BKU had a positive operating cash flow.
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 0.75%, BKU is in line with its industry, outperforming 40.46% of the companies in the same industry.
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)0.72%
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 has a Profit Margin of 24.66%. This is comparable to the rest of the industry: BKU outperforms 55.41% of its industry peers.
In the last couple of years the Profit Margin of BKU has declined.
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) 24.66%
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.
The number of shares outstanding for BKU has been increased compared to 1 year ago.
The number of shares outstanding for BKU has been reduced compared to 5 years ago.
BKU has a worse debt/assets ratio than last year.
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 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
The Debt to FCF ratio of BKU (0.76) is better than 75.52% 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 65.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACCN/A
WACC14.46%
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

BKU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.16%, which is quite impressive.
Measured over the past years, BKU shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.70% on average per year.
The Revenue has grown by 8.77% in the past year. This is quite good.
The Revenue has been growing slightly by 2.40% on average over the past years.
EPS 1Y (TTM)21.16%
EPS 3Y-9.61%
EPS 5Y-0.7%
EPS Q2Q%17.28%
Revenue 1Y (TTM)8.77%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%7.26%

3.2 Future

BKU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.09% yearly.
Based on estimates for the next years, BKU will show a small growth in Revenue. The Revenue will grow by 6.30% on average per year.
EPS Next Y14.98%
EPS Next 2Y9.16%
EPS Next 3Y9.09%
EPS Next 5YN/A
Revenue Next Year7.32%
Revenue Next 2Y6.57%
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.03, the valuation of BKU can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as BKU.
The average S&P500 Price/Earnings ratio is at 25.56. BKU is valued rather cheaply when compared to this.
BKU is valuated reasonably with a Price/Forward Earnings ratio of 10.67.
BKU's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.62. BKU is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.03
Fwd PE 10.67
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

84.79% 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 7.02
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)N/A
EPS Next 2Y9.16%
EPS Next 3Y9.09%

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6

5. Dividend

5.1 Amount

BKU has a Yearly Dividend Yield of 3.13%.
Compared to an average industry Dividend Yield of 3.39, BKU has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, BKU pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.13%

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

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, but earnings are growing more, so the dividend growth is sustainable.
DP34.22%
EPS Next 2Y9.16%
EPS Next 3Y9.09%
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 (11/18/2025, 1:56:04 PM)

39.15

+0.86 (+2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-20 2026-01-20/bmo
Inst Owners106.08%
Inst Owner Change-2.47%
Ins Owners0.8%
Ins Owner Change1.27%
Market Cap2.94B
Revenue(TTM)1.07B
Net Income(TTM)263.73M
Analysts68
Price Target43.37 (10.78%)
Short Float %3.95%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend1.15
Dividend Growth(5Y)5.76%
DP34.22%
Div Incr Years5
Div Non Decr Years9
Ex-Date10-10 2025-10-10 (0.31)
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)-0.97%
PT rev (3m)0.1%
EPS NQ rev (1m)1.2%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)2.17%
EPS NY rev (3m)8.6%
Revenue NQ rev (1m)-1.08%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)-0.63%
Revenue NY rev (3m)-0.45%
Valuation
Industry RankSector Rank
PE 11.03
Fwd PE 10.67
P/S 2.75
P/FCF 7.02
P/OCF 7.02
P/B 0.97
P/tB 1
EV/EBITDA N/A
EPS(TTM)3.55
EY9.07%
EPS(NY)3.67
Fwd EY9.37%
FCF(TTM)5.57
FCFY14.24%
OCF(TTM)5.57
OCFY14.24%
SpS14.22
BVpS40.32
TBVpS39.29
PEG (NY)0.74
PEG (5Y)N/A
Graham Number56.75
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)0.72%
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
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-19.98%
PM growth 5Y-7.51%
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
WACC14.46%
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)21.16%
EPS 3Y-9.61%
EPS 5Y-0.7%
EPS Q2Q%17.28%
EPS Next Y14.98%
EPS Next 2Y9.16%
EPS Next 3Y9.09%
EPS Next 5YN/A
Revenue 1Y (TTM)8.77%
Revenue growth 3Y2.91%
Revenue growth 5Y2.4%
Sales Q2Q%7.26%
Revenue Next Year7.32%
Revenue Next 2Y6.57%
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-26.5%
FCF growth 3Y-28.28%
FCF growth 5Y-5.38%
OCF growth 1Y-26.5%
OCF growth 3Y-29.16%
OCF growth 5Y-7.36%

BANKUNITED INC / BKU FAQ

What is the fundamental rating for BKU stock?

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


What is the valuation status for BKU stock?

ChartMill assigns a valuation rating of 6 / 10 to BANKUNITED INC (BKU). This can be considered as Fairly Valued.


Can you provide the profitability details for BANKUNITED INC?

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


What is the earnings growth outlook for BANKUNITED INC?

The Earnings per Share (EPS) of BANKUNITED INC (BKU) is expected to grow by 14.98% in the next year.


How sustainable is the dividend of BANKUNITED INC (BKU) stock?

The dividend rating of BANKUNITED INC (BKU) is 6 / 10 and the dividend payout ratio is 34.22%.