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Market Price

28.20 

0.71 2.6%

as of Dec 11 '18

52 Week Range:

25.69 38.19


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

BankUnited, Inc. operates as the bank holding company for BankUnited, National Association that provides a range of banking services to small and medium sized businesses, and individual and corporate customers in the United States. The company offers deposit products, such as checking, money market deposit, and savings accounts, as well as certificates of deposit; and treasury management services. Its loans portfolio includes small business loans, commercial real estate loans, equipment loans and leases, term loans, formula-based loans, municipal and non-profit loans and leases, commercial and residential mortgage warehouse lines of credit, letters of credit, and consumer loans, as well as purchases performing residential loans. The company also offers integrated on-line, mobile, and telephone banking services. As of December 31, 2017, it operated through a network of 87 branches located in 15 Florida counties; and 6 banking centers in the New York metropolitan area, as well as 89 automated teller machines. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was founded in 2009 and is headquartered in Miami Lakes, Florida.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 11.86
13.93
13.58
16.51
19.53
21.55
20.57
growth rate 17.5% -2.5% 21.6% 18.3% 10.3% -4.6%
Earnings BIT 326.94
340.91
404.50
487.72
growth rate 4.3% 18.7% 20.6%
Avg.PE 17.63
18.12
5.86
growth rate 2.8% -67.7%
ROA 1.07
1.68
0.57
1.62
1.52
1.15
1.12
0.84
2.03
growth rate 57.0% -66.1% 184.2% -6.2% -24.3% -2.6% -25.0% 141.7%
ROE 10.88
15.74
4.53
11.51
11.19
9.86
11.26
9.31
21.71
growth rate 44.7% -71.2% 154.1% -2.8% -11.9% 14.2% -17.3% 133.2%
Leverage 10.17
8.67
7.37
6.85
7.80
9.36
10.64
11.53
10.03
growth rate -14.8% -15.0% -7.1% 13.9% 20.0% 13.7% 8.4% -13.0%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 13,511.76
16,938.50
19,490.89
21,878.48
growth rate 25.4% 15.1% 12.3%
Cur.Assets 232.46
360.45
552.83
268.31
growth rate 55.1% 53.4% -51.5%
Total Assets 19,210.53
23,883.47
27,880.15
30,346.99
growth rate 24.3% 16.7% 8.9%
Cash 86.92
75.13
448.31
103.58
growth rate -13.6% 496.7% -76.9%
Inventory 13.78
11.19
13.09
12.01
growth rate -18.8% 17.0% -8.3%
Cur.Liabilities 13,580.93
17,008.03
19,552.45
26,449.85
growth rate 25.2% 15.0% 35.3%
Liabilities 17,158.00
21,639.57
25,461.72
27,320.92
growth rate 26.1% 17.7% 7.3%
LT Debt 3,307.93
4,400.79
5,632.44
618.73
growth rate 33.0% 28.0% -89.0%
Equity 2,052.53
2,243.90
2,418.43
3,026.06
growth rate 9.3% 7.8% 25.1%
Common Shares 93.00
93.00
96.00
94.00
100.00
101.00
103.00
104.00
106.00
growth rate 0.0% 3.2% -2.1% 6.4% 1.0% 2.0% 1.0% 1.9%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 126.83
187.33
87.98
94.60
growth rate 47.7% -53.0% 7.5%
Cash Dividends 87.72
88.98
89.82
91.63
growth rate 1.4% 1.0% 2.0%
Cash From OA -49.75
219.48
308.51
318.63
growth rate 100.0% 40.6% 3.3%
FCF per Share -2.20
-3.13
-2.37
-1.36
-0.81
1.58
1.60
growth rate 0.0% 0.0% 0.0% 0.0% 100.0% 1.3%
Sale Purchase of Stock 0.93
35.65
0.79
62.10
growth rate 3,749.6% -97.8% 7,750.2%
FCF -358.00
-476.00
-291.00
-423.00
-251.00
-201.00
7.00
219.00
224.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 3,028.6% 2.3%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 719.75
803.57
925.89
1,039.43
growth rate 11.6% 15.2% 12.3%
Op.Income 302.60
311.15
357.35
426.47
growth rate 2.8% 14.9% 19.3%
IBT 293.25
296.89
335.44
404.46
growth rate 1.2% 13.0% 20.6%
Net Income 204.22
251.66
225.74
614.27
growth rate 23.2% -10.3% 172.1%
EPS 1.29
1.99
0.62
2.05
2.01
1.95
2.35
2.09
5.58
growth rate 54.3% -68.8% 230.7% -2.0% -3.0% 20.5% -11.1% 167.0%
Gross Profit 719.75
803.57
925.89
1,039.43
growth rate 11.6% 15.2% 12.3%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 122.29
141.97
134.44
growth rate 16.1% -5.3%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Payable 21,223.24
21,878.48
22,239.65
22,177.95
22,305.29
growth rate 3.1% 1.7% -0.3% 0.6%
Cur.Assets 360.67
268.31
293.84
478.12
369.11
growth rate -25.6% 9.5% 62.7% -22.8%
Total Assets 29,554.83
30,346.99
30,432.54
31,349.57
31,513.64
growth rate 2.7% 0.3% 3.0% 0.5%
Cash 38.60
103.58
199.75
379.26
279.80
growth rate 168.4% 92.8% 89.9% -26.2%
Inventory 8.23
12.01
14.60
16.22
14.17
growth rate 45.9% 21.6% 11.1% -12.7%
Cur.Liabilities 21,250.32
26,449.85
26,367.53
26,983.76
25,068.61
growth rate 24.5% -0.3% 2.3% -7.1%
Liabilities 26,931.34
27,320.92
27,399.86
28,250.14
28,438.75
growth rate 1.5% 0.3% 3.1% 0.7%
LT Debt 5,264.56
618.73
693.89
694.05
2,790.22
growth rate -88.3% 12.2% 0.0% 302.0%
Equity 2,623.49
3,026.06
3,032.67
3,099.43
3,074.89
growth rate 15.3% 0.2% 2.2% -0.8%
Common Shares 1.07
1.07
1.06
1.06
1.04
growth rate 0.0% -0.7% 0.1% -2.4%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 24.04
20.66
14.04
42.10
81.17
growth rate -14.1% -32.1% 199.9% 92.8%
Cash Dividends 23.03
23.05
23.06
22.94
22.92
growth rate 0.1% 0.0% -0.5% -0.1%
Cash From OA 102.22
87.47
138.09
91.80
174.03
growth rate -14.4% 57.9% -33.5% 89.6%
Sale Purchase of Stock 0.58
0.58
1.09
growth rate 0.0% 89.6%
FCF 78.19
66.81
124.06
49.70
92.86
growth rate -14.6% 85.7% -59.9% 86.8%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 256.74
280.19
272.65
278.24
289.50
growth rate 9.1% -2.7% 2.1% 4.1%
Op.Income 105.80
124.11
115.64
121.62
124.08
growth rate 17.3% -6.8% 5.2% 2.0%
IBT 100.03
118.92
110.83
116.99
118.71
growth rate 18.9% -6.8% 5.6% 1.5%
Net Income 67.78
417.79
85.24
89.90
97.33
growth rate 516.4% -79.6% 5.5% 8.3%
Gross Profit 256.74
280.19
272.65
278.24
289.50
growth rate 9.1% -2.7% 2.1% 4.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (78.90)

YOY Growth Grade:

C (52.28)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 4.79 4.48
EPS / Growth 6.30

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 18.4% 18.4% 18.4%
Future PE 0.01 3.20 13.84
Future EPS 33.97 33.97 33.97
Value Price
MOS %
0.08
-99.7%
26.84
-4.8%
116.22
312.1%
MOS Price 0.04 13.42 58.11
IRT 3.12 3.12 3.12

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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