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BankUnited, Inc. (BKU) vs Mechanics Bancorp (MCHB)

BankUnited, Inc. and Mechanics Bancorp are both Banks Regional companies. BankUnited, Inc. and Mechanics Bancorp are of similar size ($3.4B and $3.2B). Mechanics Bancorp trades at the lower P/E: 11.9× against 11.9×. Mechanics Bancorp grew revenue faster over the last twelve months: 55.0% against −4.92%. Mechanics Bancorp has the higher net margin (24.0% vs 14.8%) and the higher return on invested capital (11.0% vs 5.25%). Across the 18 metrics below, Mechanics Bancorp leads on 13 and BankUnited, Inc. on 5.

Valuation

Metric BKU MCHB Banks Regional median
P/E 11.94 11.89 12.02
P/S 1.71 2.77 2.36
P/B 1.10 1.16 1.23
Price to free cash flow 5.62 19.42 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.37% 8.41% 8.21%
Free cash flow yield 17.81% 5.15% 9.23%

Profitability

Metric BKU MCHB Banks Regional median
Gross margin 61.75% 78.13% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 23.98% 18.82%
Free cash flow margin 0.00% 16.01% 17.97%
Return on equity 9.19% 17.61% 10.28%
Return on assets 0.77% 1.94% 1.13%
Return on invested capital 5.25% 10.95% 8.45%

Growth

Metric BKU MCHB Banks Regional median
Revenue growth (TTM) (4.92%) 55.04% 6.37%
EPS growth (last fiscal year) 14.61% 115.95% 18.85%
Revenue growth, 5-year CAGR 9.59% 20.85% 12.65%
Net income growth, 5-year CAGR 6.81% 27.14% 9.81%

Health

Metric BKU MCHB Banks Regional median
Debt to equity 0.68 0.05 0.17
Current ratio 0.83 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BKU MCHB Banks Regional median
Dividend yield 2.92% — 2.49%
Payout ratio 0.35 — 0.29

Size

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

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