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 ($3.4B and $3.2B). BankUnited, Inc. trades at the lower P/E: 11.9× against 14.7×. Community Financial System, Inc. grew revenue faster over the last twelve months: 6.94% against −4.92%. Community Financial System, Inc. has the higher net margin (22.0% vs 14.8%) and the higher return on invested capital (9.50% vs 5.25%). Both pay a dividend; Community Financial System, Inc. yields more (2.93% vs 2.92%). Across the 18 metrics below, BankUnited, Inc. leads on 9 and Community Financial System, Inc. on 9.

Valuation

Metric BKU CBU Banks Regional median
P/E 11.94 14.66 12.02
P/S 1.71 3.23 2.36
P/B 1.10 1.66 1.23
Price to free cash flow 5.62 13.81 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.37% 6.82% 8.21%
Free cash flow yield 17.81% 7.24% 9.23%

Profitability

Metric BKU CBU Banks Regional median
Gross margin 61.75% 82.75% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 22.00% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.19% 0.00% 10.28%
Return on assets 0.77% 1.35% 1.13%
Return on invested capital 5.25% 9.50% 8.45%

Growth

Metric BKU CBU Banks Regional median
Revenue growth (TTM) (4.92%) 6.94% 6.37%
EPS growth (last fiscal year) 14.61% 15.41% 18.85%
Revenue growth, 5-year CAGR 9.59% 10.35% 12.65%
Net income growth, 5-year CAGR 6.81% 5.01% 9.81%

Health

Metric BKU CBU Banks Regional median
Debt to equity 0.68 0.21 0.17
Current ratio 0.83 0.77 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BKU CBU Banks Regional median
Dividend yield 2.92% 2.93% 2.49%
Payout ratio 0.35 0.43 0.29

Size

Metric BKU CBU Banks Regional median
Market cap 3.17b 3.39b 934.85m

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