BankUnited, Inc. BKU R2K

Financial Services · Banks - Regional · United States

https://www.bankunited.com

BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. The company offers deposit products, such as checking, money market deposit, and savings accounts; certificates of deposit; and treasury, payments and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based lines of credit, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, subscription finance facilities, letters of credit, commercial credit cards, small business administration and U.S. department of agriculture product offerings, export-import bank financing products, trade finance, and business acquisition finance credit facilities; commercial real estate loans; residential mortgages; and other consumer loans. The company offers loan servicing and deposit transaction processing systems, cloud-based data storage, electronic funds transfer transaction processing, online banking services, ERP systems and computer and networking infrastructure. It operates through a network of banking centers located in Florida counties and the New York metropolitan area, as well as Dallas, Texas. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.

Market & Price

Market Cap

$3.37B

Current Price

$46.39

High / Low (52W)

$50.58 / $32.58

Beta

1.18

Valuation

Stock P/E

12.96

Industry PE

12.01

Forward P/E

10.16

PEG Ratio

0.27

Book Value

$41.11

Price to Book

1.13

P/S

3.26

EV/EBITDA

Dividend Yield

2.85%

Profitability & Returns

ROCE

ROE

9.19%

ROA

0.77%

Profit Margin

26.28%

Op Margin

32.40%

EPS (Latest Qtr)

$0.83

EPS (TTM)

$3.58

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$2.15B

Total Assets

$35.04B

Current Assets

Working Capital

Ownership

Promoter Holding

0.92%

Chg in Prom Hold

FII / Inst Holding

104.27%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$5.07B

Total Revenue (TTM)

$1.03B

EBITDA

Free Cash Flow

Operating Cash Flow

$360.55M

Shares Outstanding

72.68M

Gross Margin

0.00%

Payout Ratio

34.64%

Growth (CAGR)

Revenue 5Y

3.34%

Profit 5Y

-1.98%

Revenue (YoY)

3.70%

Earnings (YoY)

6.40%

PROS

Excellent profit margin of 26.3%.
Attractive dividend yield of 2.85%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -2.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	BKU BankUnited, Inc. R2K	46.39	12.96	$3.37B	2.85%	-	9.19%	3.34%	-1.98%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	3.51M	3.72M	-	3.83M	4.29M	4.27M	-	4.19M	3.70M	4.04M	-	4.90M	5.42M	5.55M	-	5.96M	5.90M	6.06M	-	5.54M	5.18M	5.19M	-	5.31M	4.91M	-	-	255.41M	273.93M	275.68M	288.20M	273.69M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	210.55M	207.66M	202.81M	184.19M	173.20M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	80.07M	93.90M	97.93M	89.84M	81.74M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.60M	25.14M	26.08M	20.58M	19.86M
Net Income	56.73M	50.85M	63.29M	62.29M	66.41M	67.78M	417.79M	85.23M	89.90M	97.33M	52.40M	65.97M	81.45M	76.22M	89.46M	-30.95M	76.51M	66.56M	85.74M	98.81M	103.97M	86.94M	125.25M	67.15M	65.76M	87.85M	64.21M	52.88M	58.00M	46.98M	20.81M	47.98M	53.73M	-	-	58.48M	68.77M	71.85M	69.26M	61.88M
Diluted EPS	0.52	0.47	0.59	0.57	0.60	0.62	3.79	0.77	0.82	0.90	0.50	0.65	0.81	0.77	0.91	-0.33	0.80	0.70	0.89	1.06	1.11	0.94	1.41	0.79	0.82	1.12	0.82	0.70	0.78	0.63	0.27	0.64	0.72	-	-	0.78	0.91	0.95	0.90	0.83

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	13.18M	14.41M	16.54M	16.50M	-	990.60M	960.64M	1.01B	1.09B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	317.49M	983.78M	1.01B	805.21M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	375.13M	237.08M	316.35M	361.75M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	90.16M	58.41M	83.88M	93.39M
Net Income	184.74M	63.17M	211.26M	208.94M	204.22M	251.66M	225.74M	614.27M	324.87M	313.10M	197.85M	-	284.97M	178.67M	232.47M	268.35M
Diluted EPS	1.99	0.62	2.05	2.01	1.95	2.35	2.09	5.58	2.99	3.13	2.06	-	3.54	2.38	3.08	3.53

Compounded Sales Growth

5 Years:	3.34%
1 Year:	3.70%

Compounded Profit Growth

5 Years:	-1.98%
1 Year:	6.40%

Stock Price Performance

1 Year:	+40.65%
6 Months:	+8.55%
3 Months:	+0.03%
1 Month:	+0.76%

Balance Sheet (Annual)

Figures in USD.

Metric	Apr 2009	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Jan 2018	Dec 2018	Dec 2019	Jan 2020	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	10.87B	11.32B	12.38B	15.05B	19.21B	23.88B	27.88B	30.35B	-	32.16B	32.87B	-	35.01B	35.82B	37.03B	35.76B	35.24B	35.04B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	0	356.21M	564.77M	303.74M	495.35M	252.75M	187.52M	267.50M	448.31M	194.58M	-	382.07M	214.67M	-	397.72M	314.86M	572.65M	588.28M	491.12M	217.78M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	9.62B	9.79B	10.57B	13.12B	17.16B	21.64B	25.46B	27.32B	-	29.24B	29.89B	-	32.03B	32.78B	34.59B	33.18B	32.43B	31.99B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	0	392.33M	393.09M	393.73M	-	394.39M	395.09M	-	689.93M	691.20M	6.11B	5.80B	3.61B	1.85B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.14B	5.82B	3.64B	1.87B
Total Equity	0	1.09B	1.25B	1.54B	1.81B	1.93B	2.05B	2.24B	2.42B	3.03B	3.03B	2.92B	2.98B	2.96B	2.98B	3.04B	2.44B	2.58B	2.81B	3.05B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	75.67M	74.37M	74.75M	74.14M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-448.06M	-248.59M	-351.61M	-67.11M	-49.75M	219.48M	308.51M	318.63M	824.25M	635.71M	864.17M	-	1.29B	657.50M	433.78M	358.61M
Investing Cash Flow	965.79M	-235.88M	201.00M	-2.61B	-3.81B	-4.61B	-3.83B	-2.45B	-2.04B	-1.08B	-2.62B	-	-2.12B	980.57M	409.71M	-214.43M
Financing Cash Flow	-309.18M	223.43M	342.22M	2.43B	3.79B	4.47B	3.70B	1.88B	1.40B	272.39M	1.94B	-	1.08B	-1.62B	-940.66M	-417.52M
Capital Expenditure	-27.54M	-42.59M	-31.96M	-22.08M	-24.01M	-23.27M	-	-	-	-	-	-31.42M	-	-	-	-
Free Cash Flow	-475.60M	-291.18M	-383.56M	-89.19M	-73.76M	196.21M	-	-	-	-	-	-	1.29B	657.50M	433.78M	358.61M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	257.79M	15.64M	-97.17M	-273.33M
Share Buybacks	-	-	-	-	-	-	0	0	299.97M	154.03M	100.97M	318.50M	401.29M	55.15M	0	44.80M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	4,660.6%	2,254.1%	1,893.1%	1,199.4%	-	28.8%	18.6%	22.9%	24.5%
ROE %	14.7%	4.1%	11.7%	10.8%	9.9%	11.2%	9.3%	20.3%	11.1%	10.5%	6.6%	-	11.7%	6.9%	8.3%	8.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.92%

Institutions

104.27%

Public Float

105.24%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.98%	10.89M	$505.01M
2	Vanguard Portfolio Management LLC	6.78%	4.93M	$228.61M
3	Dimensional Fund Advisors LP	6.41%	4.66M	$216.12M
4	State Street Corporation	6.12%	4.45M	$206.50M
5	Holdco Asset Management, LP	4.86%	3.54M	$164.00M
6	Vanguard Capital Management LLC	4.53%	3.29M	$152.73M
7	American Century Companies Inc	3.46%	2.52M	$116.75M
8	Artemis Investment Management Llp	3.05%	2.22M	$102.86M
9	Geode Capital Management, LLC	2.87%	2.09M	$96.78M
10	Millennium Management Llc	2.10%	1.52M	$70.66M

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BKU · Financial Services

BankUnited, Inc.

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	1,785
Website	https://www.bankunited.com

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BankUnited, Inc. BKU R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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