BKU Stock Overview
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$39.81|
|52 Week High||US$46.75|
|52 Week Low||US$33.90|
|1 Month Change||13.61%|
|3 Month Change||4.54%|
|1 Year Change||-7.29%|
|3 Year Change||27.76%|
|5 Year Change||17.54%|
|Change since IPO||40.18%|
Recent News & Updates
BankUnited GAAP EPS of $0.82 misses by $0.08, revenue of $238.86M misses by $6.56M
BankUnited press release (NYSE:BKU): Q2 GAAP EPS of $0.82 misses by $0.08. Revenue of $238.86M (+3.4% Y/Y) misses by $6.56M.
|BKU||US Banks||US Market|
Return vs Industry: BKU exceeded the US Banks industry which returned -15.3% over the past year.
Return vs Market: BKU exceeded the US Market which returned -13.5% over the past year.
|BKU Average Weekly Movement||4.4%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||17.0%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: BKU is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BKU's weekly volatility (4%) has been stable over the past year.
About the Company
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. The company offers deposit products, such as checking, money market deposit, and savings accounts; certificates of deposit; and treasury, commercial payment, and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based loans, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, letters of credit, commercial credit cards, small business administration and U.S. department of agriculture product offerings, export-import bank financing products, trade finance, and business acquisition finance credit facilities; commercial real estate loans; residential mortgages; and other consumer loans.
BankUnited Fundamentals Summary
|BKU fundamental statistics|
Is BKU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BKU income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||4.36|
|Net Profit Margin||37.18%|
How did BKU perform over the long term?See historical performance and comparison
2.5%Current Dividend Yield
Is BKU undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BKU?
Other financial metrics that can be useful for relative valuation.
|What is BKU's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BKU's PE Ratio compare to its peers?
|BKU PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
SFNC Simmons First National
TCBI Texas Capital Bancshares
CATY Cathay General Bancorp
IBOC International Bancshares
Price-To-Earnings vs Peers: BKU is good value based on its Price-To-Earnings Ratio (9.1x) compared to the peer average (13.9x).
Price to Earnings Ratio vs Industry
How does BKU's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: BKU is good value based on its Price-To-Earnings Ratio (9.1x) compared to the US Banks industry average (9.9x)
Price to Earnings Ratio vs Fair Ratio
What is BKU's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.1x|
|Fair PE Ratio||11.5x|
Price-To-Earnings vs Fair Ratio: BKU is good value based on its Price-To-Earnings Ratio (9.1x) compared to the estimated Fair Price-To-Earnings Ratio (11.5x).
Share Price vs Fair Value
What is the Fair Price of BKU when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BKU ($39.81) is trading below our estimate of fair value ($66.25)
Significantly Below Fair Value: BKU is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is BankUnited forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BKU's earnings are forecast to decline over the next 3 years (-1.4% per year).
Earnings vs Market: BKU's earnings are forecast to decline over the next 3 years (-1.4% per year).
High Growth Earnings: BKU's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BKU's revenue (4.4% per year) is forecast to grow slower than the US market (7.9% per year).
High Growth Revenue: BKU's revenue (4.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BKU's Return on Equity is forecast to be low in 3 years time (10.7%).
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How has BankUnited performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BKU has high quality earnings.
Growing Profit Margin: BKU's current net profit margins (37.2%) are higher than last year (36.8%).
Past Earnings Growth Analysis
Earnings Trend: BKU's earnings have declined by 8.1% per year over the past 5 years.
Accelerating Growth: BKU's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BKU had negative earnings growth (-1.7%) over the past year, making it difficult to compare to the Banks industry average (9.2%).
Return on Equity
High ROE: BKU's Return on Equity (13.8%) is considered low.
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How is BankUnited's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BKU's Assets to Equity ratio (14.6x) is moderate.
Allowance for Bad Loans: BKU has a low allowance for bad loans (90%).
Low Risk Liabilities: 84% of BKU's liabilities are made up of primarily low risk sources of funding.
Loan Level: BKU has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: BKU's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: BKU has an appropriate level of bad loans (0.6%).
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What is BankUnited current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BKU's dividend (2.51%) is higher than the bottom 25% of dividend payers in the US market (1.51%).
High Dividend: BKU's dividend (2.51%) is low compared to the top 25% of dividend payers in the US market (4.09%).
Stability and Growth of Payments
Stable Dividend: BKU's dividends per share have been stable in the past 10 years.
Growing Dividend: BKU's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (24.1%), BKU's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BKU's dividends in 3 years are forecast to be well covered by earnings (26.5% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Raj Singh (51 yo)
Mr. Rajinder P. Singh, also known as Raj, has been the Chief Executive Officer and President of BankUnited, Inc. since January 1, 2017 and founded it. He was one of the founding organizers of our Company....
CEO Compensation Analysis
Compensation vs Market: Raj's total compensation ($USD5.91M) is about average for companies of similar size in the US market ($USD6.59M).
Compensation vs Earnings: Raj's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: BKU's management team is seasoned and experienced (7.3 years average tenure).
Experienced Board: BKU's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BKU insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
BankUnited, Inc.'s employee growth, exchange listings and data sources
- Name: BankUnited, Inc.
- Ticker: BKU
- Exchange: NYSE
- Founded: 2009
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$3.102b
- Shares outstanding: 77.92m
- Website: https://www.bankunited.com
Number of Employees
- BankUnited, Inc.
- 14817 Oak Lane
- Miami Lakes
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/10 00:00|
|End of Day Share Price||2022/08/10 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.