Market Price

32.94 

0.22 0.7%

as of Jun 25 '19

52 Week Range:

28.05 43.14


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, savings accounts, and 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 ATMs, integrated online, mobile, and telephone banking services. As of December 31, 2018, it operated through a network of 85 branches located in 14 Florida counties; and 5 banking centers in the New York metropolitan area. The company was formerly known as BU Financial Corporation. BankUnited, Inc. 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 Dec '18
Equity (BVPS) 11.80
13.48
15.36
19.02
18.67
20.07
21.33
22.78
24.55
31.02
growth rate 14.2% 14.0% 23.8% -1.8% 7.5% 6.3% 6.8% 7.8% 26.4%
Earnings BIT 199.42
312.54
192.74
344.87
318.00
326.94
340.91
404.50
487.72
growth rate 56.7% -38.3% 78.9% -7.8% 2.8% 4.3% 18.7% 20.6%
Avg.PE 33.33
11.06
15.72
16.61
14.54
19.20
7.39
11.32
growth rate -66.8% 42.1% 5.7% -12.5% 32.1% -61.5% 53.2%
ROA 1.07
1.68
0.57
1.62
1.52
1.15
1.12
0.84
2.03
1.00
growth rate 57.0% -66.1% 184.2% -6.2% -24.3% -2.6% -25.0% 141.7% -50.7%
ROE 10.88
15.74
4.53
11.51
11.19
9.86
11.26
9.31
21.71
10.48
growth rate 44.7% -71.2% 154.1% -2.8% -11.9% 14.2% -17.3% 133.2% -51.7%
ROIC 5.47
8.80
4.22
7.53
6.69
5.57
growth rate 60.9% -52.1% 78.4% -11.2% -16.7%
Leverage 10.17
8.67
7.37
6.85
7.80
9.36
10.64
11.53
10.03
11.00
growth rate -14.8% -15.0% -7.1% 13.9% 20.0% 13.7% 8.4% -13.0% 9.7%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Payable 53.17
13,511.76
16,938.50
19,490.89
21,878.48
23,474.22
growth rate 533.4% 25.4% 15.1% 12.3% 7.3%
Cur.Assets 232.46
360.45
552.83
268.31
458.20
growth rate 55.1% 53.4% -51.5% 70.8%
Total Assets 11,130.00
10,869.60
11,322.04
12,375.95
15,046.65
19,210.53
23,883.47
27,880.15
30,346.99
32,164.33
growth rate -2.3% 4.2% 9.3% 21.6% 27.7% 24.3% 16.7% 8.9% 6.0%
Cash 356.20
560.20
4,632.77
4,800.83
4,041.94
86.92
75.13
448.31
194.58
234.07
growth rate 57.3% 727.0% 3.6% -15.8% -97.9% -13.6% 496.7% -56.6% 20.3%
Inventory 13.78
11.19
13.09
12.01
9.52
growth rate -18.8% 17.0% -8.3% -20.7%
Cur.Liabilities 13,580.93
17,008.03
19,552.45
21,903.85
27,819.10
growth rate 25.2% 15.0% 12.0% 27.0%
Liabilities 10,035.70
9,616.10
9,786.76
10,569.27
13,117.95
17,158.00
21,639.57
25,461.72
27,320.92
29,240.49
growth rate -4.2% 1.8% 8.0% 24.1% 30.8% 26.1% 17.7% 7.3% 7.0%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
3,307.93
4,400.79
5,632.44
5,164.73
1,044.39
growth rate 0.1% 0.1% 0.1% 0.1% 64.3% 33.0% 28.0% -8.3% -79.8%
Equity 1,094.30
1,253.50
1,535.28
1,806.68
1,928.70
2,052.53
2,243.90
2,418.43
3,026.06
2,923.83
growth rate 14.6% 22.5% 17.7% 6.8% 6.4% 9.3% 7.8% 25.1% -3.4%
Common Shares 93.00
93.00
96.00
94.00
100.00
101.00
103.00
104.00
106.00
104.00
growth rate 0.0% 3.2% -2.1% 6.4% 1.0% 2.0% 1.0% 1.9% -1.9%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 4.90
27.90
42.60
71.11
184.09
126.83
187.33
88.56
99.55
190.50
growth rate 469.4% 52.7% 67.0% 158.9% -31.1% 47.7% -52.7% 12.4% 91.4%
Cash Dividends 0.00
20.00
55.80
89.02
65.23
87.72
88.98
89.82
91.63
91.31
growth rate 179.0% 59.5% -26.7% 34.5% 1.4% 1.0% 2.0% -0.4%
Cash From OA -344.49
-448.06
-248.59
-351.61
-49.75
219.48
308.51
318.63
824.25
growth rate 0.0% 0.0% 0.0% 0.0% 100.0% 40.6% 3.3% 158.7%
FCF per Share -2.86
-4.51
-3.26
-1.65
-0.89
1.67
1.91
3.19
growth rate 0.0% 0.0% 0.0% 0.0% 100.0% 14.4% 67.0%
Sale Purchase of Stock 98.95
3.60
9.91
0.93
35.65
0.79
62.10
growth rate -96.4% 175.4% -90.7% 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
634.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 3,028.6% 2.3% 183.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 504.50
687.30
801.31
794.80
806.87
719.75
803.57
925.89
1,039.43
1,156.19
growth rate 36.2% 16.6% -0.8% 1.5% -10.8% 11.6% 15.2% 12.3% 11.2%
Op.Income 199.40
312.50
63.17
211.26
208.94
302.60
311.15
357.35
426.47
434.63
growth rate 56.7% -79.8% 234.4% -1.1% 44.8% 2.8% 14.9% 19.3% 1.9%
IBT 199.42
312.54
192.74
344.87
318.00
293.25
296.89
335.44
404.46
415.65
growth rate 56.7% -38.3% 78.9% -7.8% -7.8% 1.2% 13.0% 20.6% 2.8%
Net Income 119.00
184.70
63.17
211.26
208.94
204.22
251.66
225.74
614.27
324.87
growth rate 55.2% -65.8% 234.4% -1.1% -2.3% 23.2% -10.3% 172.1% -47.1%
EPS 1.29
1.99
0.62
2.05
2.01
1.95
2.35
2.09
5.58
2.99
growth rate 54.3% -68.8% 230.7% -2.0% -3.0% 20.5% -11.1% 167.0% -46.4%
Gross Profit 719.75
803.57
925.89
1,039.43
1,156.19
growth rate 11.6% 15.2% 12.3% 11.2%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 134.44
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Payable 22,239.65
22,177.95
22,305.29
23,474.22
23,679.28
growth rate -0.3% 0.6% 5.2% 0.9%
Cur.Assets 293.84
478.12
369.11
458.20
308.81
growth rate 62.7% -22.8% 24.1% -32.6%
Total Assets 30,432.54
31,349.57
31,513.64
32,164.33
32,702.98
growth rate 3.0% 0.5% 2.1% 1.7%
Cash 199.75
379.26
279.80
234.07
241.45
growth rate 89.9% -26.2% -16.3% 3.2%
Inventory 14.60
16.22
14.17
9.52
11.78
growth rate 11.1% -12.7% -32.8% 23.7%
Cur.Liabilities 26,367.53
26,983.76
25,068.61
27,819.10
28,147.03
growth rate 2.3% -7.1% 11.0% 1.2%
Liabilities 27,399.86
28,250.14
28,438.75
29,240.49
29,779.59
growth rate 3.1% 0.7% 2.8% 1.8%
LT Debt 693.89
694.05
2,790.22
1,044.39
1,244.31
growth rate 0.0% 302.0% -62.6% 19.1%
Equity 3,032.67
3,099.43
3,074.89
2,923.83
2,923.39
growth rate 2.2% -0.8% -4.9% 0.0%
Common Shares 1.06
1.06
1.04
0.99
0.98
growth rate 0.1% -2.4% -4.4% -0.7%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 14.04
42.10
81.17
53.20
22.40
growth rate 199.9% 92.8% -34.5% -57.9%
Cash Dividends 23.06
22.94
22.92
22.39
21.67
growth rate -0.5% -0.1% -2.3% -3.2%
Cash From OA 138.09
91.80
174.03
420.33
88.52
growth rate -33.5% 89.6% 141.5% -78.9%
Sale Purchase of Stock 1.09
growth rate
FCF 124.06
49.70
92.86
367.14
66.12
growth rate -59.9% 86.8% 295.4% -82.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 272.65
278.24
289.50
315.80
216.88
growth rate 2.1% 4.1% 9.1% -31.3%
Op.Income 115.64
121.62
124.08
73.29
94.23
growth rate 5.2% 2.0% -40.9% 28.6%
IBT 110.83
116.99
118.71
69.12
90.19
growth rate 5.6% 1.5% -41.8% 30.5%
Net Income 85.24
89.90
97.33
52.40
65.97
growth rate 5.5% 8.3% -46.2% 25.9%
EPS
growth rate
Gross Profit 272.65
278.24
289.50
315.80
216.88
growth rate 2.1% 4.1% 9.1% -31.3%
R&D
growth rate

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 (73.58)

YOY Growth Grade:

D (45.50)

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 12.70 11.48 11.32
EPS / Growth 3.6% 2.87 15.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 8.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.6% 9.0% 9.0%
Future PE 7.20 13.98 13.98
Future EPS 4.09 6.77 6.77
Value Price
MOS %
7.27
-77.9%
23.38
-29.0%
23.38
-29.0%
MOS Price 3.64 11.69 11.69
IRT 9.49 7.74 7.74

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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