BKU

BankUnited, Inc.

53
Fundamentals50/ 100
Valuation44/ 100
Upside potential61/ 100
Risk potential15/ 100

BKU's fundamentals are mixed: revenue grew 5.4%, but its operating margin fell 2 points to 32%. At 12x earnings, it's trading in line with its usual 11x. Analysts expect earnings growth.

COIN

Coinbase Global, Inc.

There isn't enough reported data to score COIN yet.

BKU Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

BKU's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BKU.

COIN Fundamentals

MetricStatus
Weak
Under pressure
N/A
N/A

COIN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like COIN.

BKU PE Valuation

CHEAPFAIREXPENSIVE6.3x13x19x25x
CHEAPFAIREXPENSIVE6.3x13x19x25x
LevelPEPriceVs current
Cheap8.6x$31.80-28%
Forward10x$43.91โ€”
Fair11x$41.41-5.7%
Current12x$43.91โ€”
Expensive14x$50.31+15%

Historical ranges are pointers, not guarantees.

BKU's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.

COIN PE Valuation

COIN has no meaningful PE right now: it lost money over the past year.

BKU Forward outlook

MetricOutlook
Improving
Growth
Stable
Improving
Limited
Moderate

Analysts expect BKU's earnings to grow and its profitability to improve, with its revenue holding steady.

COIN Forward outlook

MetricOutlook
--
Strong growth
Stable
Strongly improving
Moderate
Low

Analysts expect COIN's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.

BKU Risk to reward

ScenarioChangePrice
Upside+24%$54.56
Downside-15%$37.21

Calculated from the latest close: $43.91 on Nov 12.

There is not enough scenario data to compare BKU and COIN's risk to reward.

COIN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $130.67 on Nov 12.

There is not enough scenario data to compare BKU and COIN's risk to reward.

BKU Earnings Per Share

Q4 2023: $2.38Q1 2024: $2.32Q2 2024: $2.26Q3 2024: $2.44Q4 2024: $3.08Q1 2025: $3.22Q2 2025: $3.41Q3 2025: $3.55Q4 2025: $3.54Q1 2026: $3.59Q2 2026: $3.65Q3 2026: $3.71Forward: $4.21
Q4 2023: $2.38Q1 2024: $2.32Q2 2024: $2.26Q3 2024: $2.44Q4 2024: $3.08Q1 2025: $3.22Q2 2025: $3.41Q3 2025: $3.55Q4 2025: $3.54Q1 2026: $3.59Q2 2026: $3.65Q3 2026: $3.71Forward: $4.21
QuarterTTM EPSYoY
Forward$4.21+14%
Q3 2026$3.71+4.5%
Q2 2026$3.65+7%
Q1 2026$3.59+11%
Q4 2025$3.54+15%
Q3 2025$3.55+45%
Q2 2025$3.41+51%
Q1 2025$3.22+39%
Q4 2024$3.08+29%

BKU has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.

COIN Earnings Per Share

Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
QuarterTTM EPSYoY
Forward$1.36โ€”
Q3 2026-$2.77-124%
Q2 2026-$3.78-137%
Q1 2026$2.72-49%
Q4 2025$4.45-53%
Q3 2025$11.54+94%
Q2 2025$10.32+82%
Q1 2025$5.32+4.1%
Q4 2024$9.48+2462%

COIN has swung to a loss: it lost $2.77 per share over the past year, after a profit the year before.

BKU Quarterly Revenue

Q4 2023: $234MQ1 2024: $242MQ2 2024: $250MQ3 2024: $257MQ4 2024: $264MQ1 2025: $255MQ2 2025: $274MQ3 2025: $276MQ4 2025: $288MQ1 2026: $274MQ2 2026: $285MQ3 2026: $280M
Q4 2023: $234MQ1 2024: $242MQ2 2024: $250MQ3 2024: $257MQ4 2024: $264MQ1 2025: $255MQ2 2025: $274MQ3 2025: $276MQ4 2025: $288MQ1 2026: $274MQ2 2026: $285MQ3 2026: $280M
QuarterRevenueYoY
Q3 2026$280.4M+1.7%
Q2 2026$284.6M+3.9%
Q1 2026$273.7M+7.2%
Q4 2025$288.2M+9%
Q3 2025$275.7M+7.3%
Q2 2025$273.9M+9.5%
Q1 2025$255.4M+5.7%
Q4 2024$264.5M+13%

BKU has the edge over COIN on sales, with more consistent year-over-year improvement.

COIN Quarterly Revenue

Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
QuarterRevenueYoY
Q3 2026$1.2B-35%
Q2 2026$1.2B-19%
Q1 2026$1.4B-31%
Q4 2025$1.8B-22%
Q3 2025$1.9B+55%
Q2 2025$1.5B+3.3%
Q1 2025$2B+24%
Q4 2024$2.3B+138%

COIN's revenue has slid since its 2021 peak: $1.2B last quarter, down 35% from the same quarter a year ago.

BKU Free Cash Flow

Q4 2023: $64MQ1 2024: $66MQ2 2024: $136MQ3 2024: $46MQ4 2024: $186MQ1 2025: $16MQ2 2025: $118MQ3 2025: $100MQ4 2025: $125MQ1 2026: $18MQ2 2026: $129MQ3 2026: $251M
Q4 2023: $64MQ1 2024: $66MQ2 2024: $136MQ3 2024: $46MQ4 2024: $186MQ1 2025: $16MQ2 2025: $118MQ3 2025: $100MQ4 2025: $125MQ1 2026: $18MQ2 2026: $129MQ3 2026: $251M
QuarterFree cash flowYoY
Q3 2026$250.9M+152%
Q2 2026$128.6M+9.4%
Q1 2026$18.3M+12%
Q4 2025$124.9M-33%
Q3 2025$99.7M+117%
Q2 2025$117.6M-13%
Q1 2025$16.4M-75%
Q4 2024$185.5M+191%

BKU has the edge over COIN on cash flow, with more consistent year-over-year improvement.

COIN Free Cash Flow

Q4 2023: โˆ’$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: โˆ’$183MQ2 2025: $328MQ3 2025: โˆ’$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
Q4 2023: โˆ’$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: โˆ’$183MQ2 2025: $328MQ3 2025: โˆ’$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
QuarterFree cash flowYoY
Q3 2026$405.5M+$1.2B
Q2 2026$197.3M-40%
Q1 2026$182.7M+$365.5M
Q4 2025$3.1B+218%
Q3 2025-$784.5M-213%
Q2 2025$328.5M-32%
Q1 2025-$182.7M-144%
Q4 2024$964.6M+$969.8M

COIN's free cash flow was $3.9B over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like COIN.

BKU Total Shares

Q4 2023: 74MQ1 2024: 74MQ2 2024: 74MQ3 2024: 74MQ4 2024: 74MQ1 2025: 74MQ2 2025: 75MQ3 2025: 75MQ4 2025: 74MQ1 2026: 74MQ2 2026: 72MQ3 2026: 71M
Q4 2023: 74MQ1 2024: 74MQ2 2024: 74MQ3 2024: 74MQ4 2024: 74MQ1 2025: 74MQ2 2025: 75MQ3 2025: 75MQ4 2025: 74MQ1 2026: 74MQ2 2026: 72MQ3 2026: 71M
PeriodChange %Net change
Quarterly-1.7%-1.3M shares
1 year-5.7%-4.3M shares
3 years-4.4%-3.2M shares
5 years-23%-20.5M shares
Available history-26%-25.1M shares

BKU has the edge over COIN on shareholder dilution, with a more favorable share count trend.

COIN Total Shares

Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
PeriodChange %Net change
Quarterly+9.3%+24.6M shares
1 year-1.4%-4M shares
3 years+21%+50.7M shares
5 years+15%+37.4M shares
Available history+330%+221M shares

COIN has 288M diluted shares, down 1.4% from a year ago.

BKU Net Leverage

Q4 2023: 0.4xQ1 2024: 1.0xQ2 2024: 0.9xQ3 2024: -0.6xQ4 2024: 0.6xQ1 2025: 0.7xQ2 2025: -0.2xQ3 2025: -0.6xQ4 2025: 0.3xQ1 2026: -0.2xQ2 2026: -0.1xQ3 2026: -0.3x
Q4 2023: 0.4xQ1 2024: 1.0xQ2 2024: 0.9xQ3 2024: -0.6xQ4 2024: 0.6xQ1 2025: 0.7xQ2 2025: -0.2xQ3 2025: -0.6xQ4 2025: 0.3xQ1 2026: -0.2xQ2 2026: -0.1xQ3 2026: -0.3x
QuarterNet LeverageStatus
Q3 2026-0.3xNet Cash
Q2 2026-0.1xNet Cash
Q1 2026-0.2xNet Cash
Q4 20250.3xVery low
Q3 2025-0.6xNet Cash
Q2 2025-0.2xNet Cash
Q1 20250.7xVery low
Q4 20240.6xVery low

BKU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BKU.

COIN Net Leverage

Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
QuarterNet LeverageStatus
Q3 2026-4.4xNet Cash
Q2 2026-2.5xNet Cash
Q1 2026-2.8xNet Cash
Q4 2025-2.3xNet Cash
Q3 2025-0.6xNet Cash
Q2 2025-1.6xNet Cash
Q1 2025-1.6xNet Cash
Q4 2024-1.8xNet Cash

COIN has the edge over BKU on leverage, with a lower net debt burden relative to earnings.

BKU Weekly Momentum

MetricValueStatus
RSI45.6Neutral
Stochastic37.2Neutral

BKU's weekly RSI is 46 (neutral) and its Stochastic is 37 (neutral).

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

COIN's weekly RSI is 35 (neutral) and its Stochastic is 5 (oversold).

BKU PE vs Financial Services Sector

MetricBKUSector medianRelative
PE12x13x9.1% below
PE %6363Same percentile

BKU is trading at 12x earnings, in line with the Financial Services sector's median of 13x.

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13xโ€”

COIN has no meaningful PE right now: it lost money over the past year.

BKU Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$43.21.6% above
20 week MA$45.43.3% below
50 week MA$46.14.7% below
100 week MA$41.65.7% above
200 week MA$35.424% above

BKU has the edge over COIN on trend strength, trading above more of its moving averages.

COIN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$163.020% below
20 week MA$165.621% below
50 week MA$184.429% below
100 week MA$232.844% below
200 week MA$190.331% below

COIN is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.

BKU Yearly ROI

YearStart priceEnd priceROI
2020$36.4$34.1-6.2%
2021$34.1$41.9+23%
2022$41.9$33.7-20%
2023$33.7$32.4-3.8%
2024$32.4$38.4+18%
2025$38.4$45.4+18%
2026 YTD$45.4$43.9-3.2%

BKU has the edge over COIN on returns for 2026, with the stronger performance.

COIN Yearly ROI

YearStart priceEnd priceROI
2021$342.0$268.2-22%
2022$268.2$35.5-87%
2023$35.5$173.9+390%
2024$173.9$265.7+53%
2025$265.7$236.9-11%
2026 YTD$236.9$130.7-45%

COIN's yearly returns have swung widely, from +390% in 2023 to โˆ’87% in 2022. It's down 45% so far in 2026.

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