BankUnited Financials

BKU Stock  USD 42.72  0.92  2.20%   
Based on the measurements of operating efficiency obtained from BankUnited's historical financial statements, BankUnited is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At this time, BankUnited's Short and Long Term Debt is comparatively stable compared to the past year. Key indicators impacting BankUnited's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.230.2047
Moderately Up
Pretty Stable
Return On Assets0.00470.005
Notably Down
Slightly volatile
Return On Equity0.120.0693
Way Up
Pretty Stable
Debt Equity Ratio0.250.2647
Notably Down
Slightly volatile
Operating Income493.7 M410.3 M
Fairly Up
Slightly volatile
Current Ratio0.04740.0498
Notably Down
Slightly volatile
Investors should never underestimate BankUnited's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor BankUnited's cash flow, debt, and profitability to make informed and accurate decisions about investing in BankUnited.

Net Income

278.48 Million

  
Understanding current and past BankUnited Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of BankUnited's financial statements are interrelated, with each one affecting the others. For example, an increase in BankUnited's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in BankUnited's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of BankUnited. Check BankUnited's Beneish M Score to see the likelihood of BankUnited's management manipulating its earnings.

BankUnited Stock Summary

BankUnited competes with Fifth Third, Zions Bancorporation, Huntington Bancshares, PNC Financial, and Comerica. 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. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida. BankUnited operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 1465 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS06652K1034
CUSIP06652K103
LocationFlorida; U.S.A
Business Address14817 Oak Lane,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bankunited.com
Phone305 569 2000
CurrencyUSD - US Dollar

BankUnited Key Financial Ratios

BankUnited Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets32.9B35.0B35.8B37.0B35.8B27.2B
Other Current Liab4.3B7.0B9.0B8.7B6.0B5.7B
Other Liab364.8M506.2M514.1M543.3M624.8M338.0M
Net Debt4.7B3.4B2.3B5.6B5.2B3.8B
Retained Earnings1.9B2.0B2.3B2.6B2.7B1.4B
Accounts Payable24.4B27.5B29.4B27.5B31.6B18.1B
Cash214.7M397.7M314.9M572.6M588.3M404.5M
Other Assets23.9B24.5B24.6B25.8B25.4B19.5B
Long Term Debt4.9B3.8B2.6B720.9M5.8B3.0B
Inventory3.9M3.1M2.3M1.9M1.7M1.7M
Total Liab4.9B3.8B2.6B34.6B33.2B18.6B
Total Current Assets214.7M397.7M314.9M572.6M588.3M558.9M
Intangible Assets77.8M77.7M77.7M77.6M89.3M71.2M
Common Stock951K931K856K757K744K756.7K
Net Tangible Assets2.9B2.9B3.0B2.4B2.7B2.6B
Good Will77.8M77.7M77.7M77.6M89.3M81.9M
Capital Surpluse1.1B1.0B707.5M321.7M289.6M275.1M
Other Current Assets471.7M414.7M538.9M736.3M588.3M558.9M
Short Term Debt4.4B3.2B2.1B4.5B4.2B3.8B

BankUnited Key Income Statement Accounts

The reason investors look at the income statement is to determine what BankUnited's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense529.1M315.9M163.8M317.5M983.8M1.0B
Total Revenue900.0M885.0M929.8M990.6M873.0M928.9M
Gross Profit900.0M885.0M929.8M990.6M873.0M928.9M
Operating Income404.0M249.4M449.4M711.9M410.3M493.7M
Ebit404.0M249.4M416.0M357.6M237.1M325.8M
Ebitda452.5M321.9M527.9M452.8M311.1M409.2M
Income Before Tax404.0M249.4M449.4M375.1M237.1M354.1M
Net Income313.1M197.9M415.0M285.0M178.7M278.5M
Income Tax Expense90.9M51.5M34.4M90.2M58.4M55.0M
Tax Provision90.9M51.5M34.4M90.2M58.4M44.2M
Net Interest Income752.8M751.8M795.7M913.0M873.8M941.5M
Interest Income1.3B1.1B959.4M1.2B1.9B1.3B

BankUnited Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(167.4M)183.0M(82.9M)257.8M15.6M16.4M
Free Cash Flow571.9M844.6M1.2B1.3B657.5M690.4M
Depreciation35.1M44.3M57.3M69.6M74.1M77.8M
Other Non Cash Items304.9M731.9M709.1M517.4M405.7M426.0M
Capital Expenditures63.8M19.6M44.2M52.2M100.3M98.7M
Net Income313.1M197.9M415.0M285.0M178.7M278.5M
End Period Cash Flow214.7M397.7M314.9M572.6M588.3M406.3M
Dividends Paid84.1M86.5M85.8M79.4M79.1M86.0M
Investments(991.1M)(4.4B)(5.4B)(2.1B)674.1M707.8M
Net Borrowings(390M)(986.1M)(1.2B)3.5B4.0B4.2B
Change To Netincome352.8M724.7M724.0M544.0M625.6M656.9M

BankUnited Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining BankUnited's current stock value. Our valuation model uses many indicators to compare BankUnited value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across BankUnited competition to find correlations between indicators driving BankUnited's intrinsic value. More Info.
BankUnited is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for BankUnited is roughly  13.27 . At this time, BankUnited's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value BankUnited by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

BankUnited Systematic Risk

BankUnited's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. BankUnited volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on BankUnited correlated with the market. If Beta is less than 0 BankUnited generally moves in the opposite direction as compared to the market. If BankUnited Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one BankUnited is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of BankUnited is generally in the same direction as the market. If Beta > 1 BankUnited moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in BankUnited Stock are looking for potential investment opportunities by analyzing not only static indicators but also various BankUnited's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of BankUnited growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.38)

At this time, BankUnited's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

BankUnited November 24, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of BankUnited help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of BankUnited. We use our internally-developed statistical techniques to arrive at the intrinsic value of BankUnited based on widely used predictive technical indicators. In general, we focus on analyzing BankUnited Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build BankUnited's daily price indicators and compare them against related drivers.

Additional Tools for BankUnited Stock Analysis

When running BankUnited's price analysis, check to measure BankUnited's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy BankUnited is operating at the current time. Most of BankUnited's value examination focuses on studying past and present price action to predict the probability of BankUnited's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move BankUnited's price. Additionally, you may evaluate how the addition of BankUnited to your portfolios can decrease your overall portfolio volatility.