10 Year Financial Data of BankUnited, Inc. (BKU)

25.4 (1y: +6%)

Market Cap	2.57 B	P/E(ttm)	12.30
Enterprise Value	4.58 B	P/B	1.30

BKU- NYSE (USA)
BankUnited, Inc.

Not Rated

Top Ranked Predictable Companies

$25.40

3 Severe Warning Signs 1 Medium Warning Sign 2 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	0	0	1.7
EBITDA Growth (%)	0	0	36.7
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	0	0	6.9

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	5.44	7.39	6.93	7.32	7.02	1.84	1.70	1.67	1.92	1.73
EBITDA per Share	2.17	3.67	2.10	3.84	4.62	0.89	0.87	0.86	1.12	1.77
Free Cashflow per Share	-3.86	-5.12	-3.05	-4.09	-3.38	-1.12	-0.81	-1.25	-0.78	-0.54
Earnings per Share ($)	1.29	1.99	0.62	2.05	2.09	0.49	0.48	0.48	0.66	0.47
Dividends Per Share	--	--	0.56	0.72	0.76	0.17	0.17	0.17	0.21	0.21
Book Value per Share	11.81	13.49	16.06	19.26	18.53	17.33	17.19	17.69	19.27	18.53
Month End Stock Price	--	--	21.99	24.44	25.62	25.00	23.58	24.61	24.44	25.62
Ratios	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	10.90	14.70	4.10	11.70	10.40	12.40	11.60	11.20	14.00	10.40
Return on Assets %	1.10	1.70	0.60	1.70	1.60	1.60	1.60	1.60	2.00	1.60
Debt to Equity	1.90	1.80	1.46	1.07	1.09	1.36	1.32	2.53	1.07	1.09

Operating Margin %	39.50	45.50	29.10	50.20	46.10	46.70	48.80	49.40	55.70	46.10
Net Margin %	23.60	26.90	9.50	30.80	28.10	28.90	29.20	30.00	34.70	28.10

Debt to Revenue	4.12	3.28	3.38	2.80	11.75	12.81	13.30	26.88	10.69	11.75
Interest Exp. to Revenue %	49.89	56.67	75.36	87.01	89.60	79.11	87.06	84.44	96.95	89.60

Asset Turnover	0.05	0.06	0.06	0.06	0.01	0.01	0.01	0.01	0.02	0.01
Buyback Ratio	--	--	-156	--	--	--	--	--	--	--
Dividend Payout Ratio	--	--	0.85	0.32	0.43	0.32	0.34	0.34	0.32	0.43
Income Statement	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	252	389	499	598	614	138	146	139	175	154
Non Interest Income	253	298	163	89.25	70.69	36.40	21.67	25.68	5.50	17.84
Revenue	504	687	662	687	684	174	167	165	180	172

Selling, General, &Admin. Expense	117	242	294	193	190	51.01	49.02	47.39	45.56	48.38
Credit Losses Provision	22.62	51.41	13.83	18.90	22.10	8.77	2.73	6.37	1.03	11.97
Other Expenses	164	53.12	154	115	20.47	29.73	30.50	26.09	28.72	-64.84
Earnings Before DDA	201	341	201	360	451	84.70	85.22	85.25	105	176

Depreciation, Depletion and Amortization	1.20	28.21	7.99	15.06	109	3.38	3.51	3.74	4.42	96.97

Operating Income	199	313	193	345	343	81.32	81.71	81.51	100	79.15
Net Income	119	185	63.17	211	209	50.27	48.93	49.56	62.50	48.23

Preferred dividends	--	--	--	3.90	2.98	--	0.92	0.92	1.14	--
Earnings per Share ($)	1.29	1.99	0.62	2.05	2.09	0.49	0.48	0.48	0.66	0.47
Total Shares Outstanding	92.67	92.95	95.61	93.83	99.48	94.91	98.45	99.06	93.73	99.48
Balance Sheet	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	356	560	301	491	458	309	162	344	491	458
Money Market Investments	--	4.56	3.20	3.93	3.56	3.01	2.59	2.95	3.93	3.56
Net Loan	4,589	3,879	4,093	5,515	5,785	4,655	5,026	5,247	5,515	5,785
Securities & Investments	2,243	2,927	4,182	4,172	4,279	4,662	4,759	4,929	4,172	4,279
Accounts Receivable	--	10.86	--	--	--	--	--	--	--	--
Property, Plant and Equipment	--	--	70.60	88.60	--	--	--	--	88.60	--
Intangible Assets	60.98	69.01	68.67	69.77	69.59	70.33	70.14	69.96	69.77	69.59
Other Assets	3,881	3,420	2,604	2,035	2,150	2,500	2,411	2,155	2,035	2,150
Total Assets	11,130	10,870	11,322	12,376	12,746	12,199	12,430	12,748	12,376	12,746

Total Deposits	7,667	7,164	7,365	8,538	8,745	8,085	8,227	8,458	8,538	8,745
Accounts Payable	197	--	53.17	--	--	80.22	82.06	5.12	--	--
Current Portion of Long-Term Debt	--	--	--	8.18	--	--	--	2,219	8.18	--
Long-Term Debt	2,079	2,255	2,236	1,917	2,016	2,231	2,227	2,219	1,917	2,016
Other liabilities	93.17	197	133	106	140	157	202	-1,905	106	140
Total Liabilities	10,036	9,616	9,787	10,569	10,902	10,554	10,738	10,996	10,569	10,902

Common Stock	0.93	0.93	0.98	0.95	1.01	0.94	0.94	0.95	0.95	1.01
Preferred Stock	--	--	--	0.05	--	0.05	0.05	0.05	0.05	--
Retained Earnings	119	270	276	413	440	309	340	373	413	440
Additional Paid-In Capital	947	951	1,240	1,308	1,313	1,290	1,298	1,304	1,308	1,313
Total Equity	1,094	1,254	1,535	1,807	1,844	1,645	1,692	1,753	1,807	1,844
Cashflow Statement	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	119	185	63.17	211	209	50.27	48.93	49.56	62.50	48.23
Depreciation, Depletion and Amortization	1.20	28.21	7.99	15.06	109	3.38	3.51	3.74	4.42	96.97
Cash Flow from Others	-473	-661	-320	-578	-619	-151	-125	-169	-132	-193
Cash Flow from Operations	-353	-448	-249	-352	-301	-97.62	-72.75	-116	-65.22	-47.36

Investment for Property, Plant & Equipement	-4.89	-27.86	-42.64	-31.96	-30.09	-8.46	-6.93	-8.30	-8.26	-6.60
Cash Flow from Acquisitions	3,435	-50.49	--	-1.63	--	-1.63	--	--	--	--
Cash Flow from Investing	2,864	965	-236	201	89.43	-184	-237	121	501	-296

Net Issuance of Stock	--	--	98.62	--	--	--	--	--	--	--
Net Issuance of Debt	-2,795	-405	--	-311	-448	230	-1,245	1,010	-306	93.07
Cash Flow for Dividends	--	-20.00	-55.80	-89.02	-74.13	-14.89	-17.51	-17.47	-39.15	--
Other Financing	640	116	181	742	883	74.89	1,424	-815	57.76	216
Cash Flow from Financing	-2,155	-309	223	342	361	290	162	178	-287	309

Net Change in Cash	356	209	-261	192	149	8.32	-148	182	149	-34.17

Free Cash Flow	-358	-476	-291	-384	-331	-106	-79.68	-124	-73.49	-53.95
Valuation Ratios (Daily)	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Valuation and Quality	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
Median PS (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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