BankUnited, Inc. (BKU) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Atlantic Union Bankshares Corp.

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Seacoast Banking Corp. of Florida

Bank of Hawaii Corp.

The Bancorp, Inc. (Delaware)

First Financial Bancorp (Ohio)

Independent Bank Corp. (Massachusetts)

Hilltop Holdings, Inc.

BankUnited, Inc.

Why is BankUnited, Inc. ?

Flat results in Jun 25

GROSS NPA (%)(Q) Highest at 1.57%
CREDIT DEPOSIT RATIO(HY) Lowest at 83.55%

With ROA of 0.53%, it has a fair valuation with a 0.89 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 7.18%, its profits have risen by 14.5% ; the PEG ratio of the company is 0.8

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to BankUnited, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is BankUnited, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

BankUnited, Inc.

7.18%

1.77

34.76%

S&P 500

13.22%

0.65

20.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.23%

EBIT Growth (5y)

2.54%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

37.65%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.89

EV to EBIT

18.24

EV to EBITDA

15.08

EV to Capital Employed

0.94

EV to Sales

2.63

PEG Ratio

0.78

Dividend Yield

84.36%

ROCE (Latest)

5.16%

ROE (Latest)

8.25%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 246.12 MM

OPERATING PROFIT(Q)

Highest at USD 93.29 MM

OPERATING PROFIT MARGIN(Q)

Highest at 20.56 %

PRE-TAX PROFIT(Q)

Highest at USD 93.9 MM

NET PROFIT(Q)

Highest at USD 67.79 MM

-5What is not working for the Company

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 83.55%

Here's what is working for BankUnited, Inc.

NII

Highest at USD 246.12 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 93.29 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 20.56 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 93.9 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 67.79 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

CASA

Highest at 12.22%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for BankUnited, Inc.

Non Performing Loans (%)

Highest at 1.57% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 83.55% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)