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BankUnited, Inc. (BKU) vs Community Financial System, Inc. (CBU)

BankUnited, Inc. and Community Financial System, Inc. are both Banks Regional companies. BankUnited, Inc. and Community Financial System, Inc. are of similar size ($3.1B and $3.0B). BankUnited, Inc. trades at the lower P/E: 11.4× against 14.0×. Community Financial System, Inc. grew revenue faster over the last twelve months: 7.08% against −5.24%. Community Financial System, Inc. has the higher net margin (21.7% vs 14.5%) and the higher return on invested capital (7.88% vs 5.33%). Both pay a dividend; Community Financial System, Inc. yields more (3.15% vs 3.10%). Across the 19 metrics below, Community Financial System, Inc. leads on 11 and BankUnited, Inc. on 8.

Valuation

Metric BKU CBU Banks Regional median
P/E 11.42 14.00 11.98
P/S 1.62 3.03 2.34
P/B 1.00 1.53 1.19
Price to free cash flow 5.39 12.78 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.76% 7.14% 8.23%
Free cash flow yield 18.54% 7.83% 9.08%

Profitability

Metric BKU CBU Banks Regional median
Gross margin 60.54% 82.07% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.45% 21.72% 18.66%
Free cash flow margin 20.05% 23.76% 21.11%
Return on equity 8.99% 11.49% 10.65%
Return on assets 0.76% 1.32% 1.13%
Return on invested capital 5.33% 7.88% 8.35%

Growth

Metric BKU CBU Banks Regional median
Revenue growth (TTM) (5.24%) 7.08% 6.98%
EPS growth (last fiscal year) 14.61% 15.41% 18.88%
Revenue growth, 5-year CAGR 9.59% 10.35% 12.38%
Net income growth, 5-year CAGR 6.81% 5.01% 9.71%

Health

Metric BKU CBU Banks Regional median
Debt to equity 0.54 0.29 0.22
Current ratio 0.82 0.77 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BKU CBU Banks Regional median
Dividend yield 3.10% 3.15% 2.57%
Payout ratio 0.36 0.44 0.30

Size

Metric BKU CBU Banks Regional median
Market cap 2.99b 3.14b 913.33m

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