BankUnited (BKU) Stock Analysis & Winston Score

BankUnited is a regional bank based in Miami Lakes, Florida. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and businesses. The bank focuses mainly on customers in Florida and the New York metro area, and it is one of the larger independent regional banks in the southeastern United States.

BankUnited makes money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, earning the difference. It operates roughly 70 branches, mostly in Florida, with some presence in New York. Its competitive position depends heavily on attracting low-cost deposits and managing credit quality in its loan portfolio. The main risk the bank faces is interest rate sensitivity — when rates shift, the gap between what it earns on loans and what it pays on deposits can shrink, putting pressure on profits.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+3.8% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

0.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$13M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

BankUnited's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

55.7%

Premium pricing power — 55.7% gross margin

Operating Margin

18.3%

Healthy — 18.3% operating margin

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+7.1%

Steady sales growth (7.1% YoY)

EPS YoY

+10.8%

Earnings growing (10.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

133%

Turns 133% of profit into real cash

FCF Margin

17.0%

Converts sales into free cash efficiently (17.0%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.68

Moderate — manageable debt (0.68)

Interest Cover

0.47x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

13.4x

no trend

Attractive valuation — P/E 13.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.7

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

2.63%

no trend

Moderate income — 2.63% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+6.7%

no trend

Dividend growing modestly (6.7% YoY)

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