Monetary Survey: HMN Monetary (NASDAQ:HMNF) versus BankUnited (NYSE:BKU)

BankUnited (NYSE:BKUGet Ranking) and HMN Monetary (NASDAQ:HMNFGet Ranking) are each finance firms, however which is the superior inventory? We’ll distinction the 2 companies primarily based on the power of their institutional possession, danger, valuation, dividends, analyst suggestions, profitability and earnings.

Institutional and Insider Possession

97.3% of BankUnited shares are held by institutional buyers. Comparatively, 53.1% of HMN Monetary shares are held by institutional buyers. 0.9% of BankUnited shares are held by firm insiders. Comparatively, 7.8% of HMN Monetary shares are held by firm insiders. Sturdy institutional possession is a sign that enormous cash managers, endowments and hedge funds imagine a inventory is poised for long-term progress.


This desk compares BankUnited and HMN Monetary’s internet margins, return on fairness and return on belongings.

Web MarginsReturn on FairnessReturn on Property
HMN Monetary22.07%9.02%0.89%


BankUnited pays an annual dividend of $1.00 per share and has a dividend yield of two.5%. HMN Monetary pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. BankUnited pays out 25.3% of its earnings within the type of a dividend. HMN Monetary pays out 11.3% of its earnings within the type of a dividend. Each firms have wholesome payout ratios and will have the ability to cowl their dividend funds with earnings for the following a number of years. BankUnited has elevated its dividend for 1 consecutive years. BankUnited is clearly the higher dividend inventory, given its larger yield and longer observe file of dividend progress.

Analyst Scores

It is a abstract of latest rankings and value targets for BankUnited and HMN Monetary, as offered by MarketBeat.

Promote ScoresMaintain ScoresPurchase ScoresSturdy Purchase ScoresRanking Rating
HMN Monetary0000N/A

BankUnited presently has a consensus goal value of $45.00, suggesting a possible upside of 12.00%. Given BankUnited’s larger attainable upside, analysis analysts plainly imagine BankUnited is extra favorable than HMN Monetary.

Valuation & Earnings

This desk compares BankUnited and HMN Monetary’s income, earnings per share (EPS) and valuation.

Gross IncomeWorth/Gross sales RatioWeb EarningsEarnings Per ShareWorth/Earnings Ratio
BankUnited$1.09 billion2.86$414.98 million$3.9610.15
HMN Monetary$46.02 million2.23$13.56 million$2.1210.72

BankUnited has larger income and earnings than HMN Monetary. BankUnited is buying and selling at a decrease price-to-earnings ratio than HMN Monetary, indicating that it’s presently the extra inexpensive of the 2 shares.

Danger and Volatility

BankUnited has a beta of 1.25, suggesting that its share value is 25% extra risky than the S&P 500. Comparatively, HMN Monetary has a beta of 0.15, suggesting that its share value is 85% much less risky than the S&P 500.


BankUnited beats HMN Monetary on 13 of the 16 elements in contrast between the 2 shares.

About BankUnited

(Get Ranking)

BankUnited, Inc. operates because the financial institution holding firm for BankUnited, a nationwide banking affiliation that gives a variety of banking providers in the USA. The corporate presents deposit merchandise, comparable to checking, cash market deposit, and financial savings accounts; certificates of deposit; and treasury, business fee, and money administration providers. Its loans portfolio consists of business loans, together with tools loans, secured and unsecured traces of credit score, formula-based loans, owner-occupied business actual property time period loans and features of credit score, mortgage warehouse traces, letters of credit score, business bank cards, small enterprise administration and U.S. division of agriculture product choices, export-import financial institution financing merchandise, commerce finance, and enterprise acquisition finance credit score services; business actual property loans; residential mortgages; and different client loans. The corporate additionally presents on-line, cell, and phone banking providers. As of December 31, 2021, it operated via a community of 63 banking facilities situated in 13 Florida counties; and 4 banking facilities within the New York metropolitan space. The corporate was previously often known as BU Monetary Company. BankUnited, Inc. was included in 2009 and is headquartered in Miami Lakes, Florida.

About HMN Monetary

(Get Ranking)

HMN Monetary, Inc. operates as a financial institution holding firm for Dwelling Federal Financial savings Financial institution that gives varied retail banking services. The corporate presents varied deposit accounts, comparable to financial savings, curiosity bearing checking, non-interest bearing checking, cash market, and certificates accounts. Its mortgage merchandise embrace single household residential loans; business actual property and multi-family mortgage loans; development loans; client loans, comparable to residence fairness, vehicle, leisure automobile, cell residence, and lot loans, in addition to loans secured by deposit accounts, and different loans for family and private functions; and business enterprise loans. The corporate presents monetary planning services; and invests in mortgage-backed and associated securities, the USA authorities company obligations, and different permissible investments. It operates via 14 full service branches situated in Minnesota, Wisconsin, and Iowa; and two mortgage origination workplaces in Sartell, Minnesota and La Crosse, Wisconsin. HMN Monetary, Inc. was based in 1934 and is headquartered in Rochester, Minnesota.

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