BANKUNITED INC (BKU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BKU - US06652K1034 - Common Stock
44.89 USD
-0.47 (-1.04%)
44.89 USD
0 (0%)
Overall BKU gets a fundamental rating of 4 out of 10. We evaluated BKU against 388 industry peers in the Banks industry. BKU has a bad profitability rating. Also its financial health evaluation is rather negative. BKU is not valued too expensively and it also shows a decent growth rate.
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.
BKU had positive earnings in each of the past 5 years.
BKU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BKU has a worse Return On Assets (0.75%) than 62.11% of its industry peers.
BKU has a Return On Equity (8.70%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
BKU has a Profit Margin (24.66%) which is comparable to the rest of the industry.
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) | 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
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.
Compared to 1 year ago, BKU has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BKU is 0.76, which is an excellent value as it means it would take BKU, only 0.76 years of fcf income to pay off all of its debts.
BKU has a Debt to FCF ratio of 0.76. This is in the better half of the industry: BKU outperforms 72.94% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.1%
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 impressive 21.16% over the past year.
The Earnings Per Share has been decreasing by -0.70% on average over the past years.
The Revenue has grown by 8.77% in the past year. This is quite good.
Measured over the past years, BKU shows a small growth in Revenue. The Revenue has been growing by 2.40% on average per year.
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
Based on estimates for the next years, BKU will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.20% on average per year.
BKU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.27% yearly.
EPS Next Y15.04%
EPS Next 2Y9.42%
EPS Next 3Y9.2%
EPS Next 5YN/A
Revenue Next Year7.32%
Revenue Next 2Y6.57%
Revenue Next 3Y6.27%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BKU is valuated correctly with a Price/Earnings ratio of 12.65.
BKU's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of BKU to the average of the S&P500 Index (26.84), we can say BKU is valued rather cheaply.
The Price/Forward Earnings ratio is 12.17, which indicates a correct valuation of BKU.
Based on the Price/Forward Earnings ratio, BKU is valued a bit more expensive than 64.95% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.40. BKU is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.65 | ||
| Fwd PE | 12.17 |
4.2 Price Multiples
78.87% of the companies in the same industry are more expensive than BKU, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.05 | ||
| EV/EBITDA | N/A |
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)0.84
PEG (5Y)N/A
EPS Next 2Y9.42%
EPS Next 3Y9.2%
5. Dividend
5.1 Amount
BKU has a Yearly Dividend Yield of 2.74%.
BKU's Dividend Yield is comparable with the industry average which is at 2.74.
BKU's Dividend Yield is a higher than the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
5.2 History
The dividend of BKU has a limited annual growth rate of 5.76%.
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)5.76%
Div Incr Years5
Div Non Decr Years9
5.3 Sustainability
BKU pays out 34.22% 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.
DP34.22%
EPS Next 2Y9.42%
EPS Next 3Y9.2%
44.89
-0.47 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.89%
Inst Owner Change-2.54%
Ins Owners0.8%
Ins Owner Change-0.92%
Market Cap3.37B
Revenue(TTM)1.07B
Net Income(TTM)263.73M
Analysts68
Price Target45.27 (0.85%)
Short Float %4.11%
Short Ratio2.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend1.15
Dividend Growth(5Y)5.76%
DP34.22%
Div Incr Years5
Div Non Decr Years9
Ex-Date
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)3.98%
PT rev (3m)3.17%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)0.92%
EPS NY rev (1m)0.05%
EPS NY rev (3m)2.22%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.65 | ||
| Fwd PE | 12.17 | ||
| P/S | 3.15 | ||
| P/FCF | 8.05 | ||
| P/OCF | 8.05 | ||
| P/B | 1.11 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.55
EY7.91%
EPS(NY)3.69
Fwd EY8.21%
FCF(TTM)5.58
FCFY12.43%
OCF(TTM)5.58
OCFY12.43%
SpS14.23
BVpS40.36
TBVpS39.32
PEG (NY)0.84
PEG (5Y)N/A
Graham Number56.78
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.1%
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 Y15.04%
EPS Next 2Y9.42%
EPS Next 3Y9.2%
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 3Y6.27%
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 4 / 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 15.04% 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%.