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BKU logoBankUnited, Inc.(BKU)Earnings, Financials & Key Ratios

BKU•NYSE•Banking & Credit
$47.28
$3.48B mkt cap·13.4× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutBankUnited, 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, commercial payment, and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based loans, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, 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 also offers online, mobile, and telephone banking services. As of December 31, 2021, it operated through a network of 63 banking centers located in 13 Florida counties; and 4 banking centers in the New York metropolitan area. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.Show more
  • Net Interest Income$1.43B+56.6%
  • Total Revenue$2.14B+5.8%
  • Net Income$268M+15.4%
  • Return on Equity9.15%+6.1%
  • Net Interest Margin4.09%+57.5%
  • Efficiency Ratio32.81%+3.4%
  • ROA0.76%+16.6%
  • Equity / Assets8.72%+9.1%
  • Book Value per Share39.68+4.3%
  • Tangible BV/Share38.67+4.5%
  • Debt/Equity0.65-50.0%
Technical→

BKU Key Insights

BankUnited, Inc. (BKU) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Strong NIM of 4.1%
  • ✓Efficient operations: 32.8% efficiency ratio
  • ✓Healthy dividend yield of 2.5%
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BKU Price & Volume

BankUnited, Inc. (BKU) stock price & volume — 10-year historical chart

Loading chart...

BKU Growth Metrics

BankUnited, Inc. (BKU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.1%
5 Years12.28%
3 Years17.88%
TTM-

Profit CAGR

10 Years0.64%
5 Years6.29%
3 Years-1.98%
TTM15.44%

EPS CAGR

10 Years4.18%
5 Years11.44%
3 Years0%
TTM14.94%

Return on Capital

10 Years4.16%
5 Years3.92%
3 Years2.71%
Last Year1.75%

BKU Recent Earnings

BankUnited, Inc. (BKU) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 22, 2026
EPS
$0.83
Est $0.97
-14.4%
Revenue
$274M
Est $284M
-3.7%
Q1 2026
Jan 28, 2026
EPS
$0.91
Est $0.84
+8.3%
Revenue
$472M
Q1 2026
Jan 21, 2026
EPS
$0.94
Est $0.85
+10.6%
Revenue
$288M
Est $280M
+2.9%
Q4 2025
Oct 22, 2025
EPS
$0.95
Est $0.88
+7.5%
Revenue
$520M
Est $280M
+85.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.83vs $0.97-14.4%
$274Mvs $284M-3.7%
Q1 2026Jan 28, 2026
$0.91vs $0.84+8.3%
$472M
Q1 2026Jan 21, 2026
$0.94vs $0.85+10.6%
$288Mvs $280M+2.9%
Q4 2025Oct 22, 2025
$0.95vs $0.88+7.5%
$520Mvs $280M+85.5%
Based on last 12 quarters of dataView full earnings history →

BKU Peer Comparison

BankUnited, Inc. (BKU) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.56B73.2611.071.03%13.16%0.22
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.8B72.0614.16-3.05%10.65%0.11
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.28B133.4516.3910.4%8.91%0.80
UMBF logoUMBFUMB Financial CorporationDirect Competitor9.99B131.1714.3768.52%11.67%0.49
WTFC logoWTFCWintrust Financial CorporationDirect Competitor10.13B151.1813.086.66%11.35%0.62
FHB logoFHBFirst Hawaiian, Inc.Direct Competitor3.37B27.4312.473.21%10.19%
SBCF logoSBCFSeacoast Banking Corporation of FloridaProduct Competitor3.03B31.0419.657.49%5.83%0.44
OCFC logoOCFCOceanFirst Financial Corp.Product Competitor1.08B18.8816.14-4.7%4.26%0.98

Compare BKU vs Peers

BankUnited, Inc. (BKU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBOC

Most directly comparable listed peer for BKU.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BKU against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBOC, WSFS, BOKF, UMBF

BKU Income Statement

BankUnited, Inc. (BKU) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income950.27M1.05B752.78M751.76M795.69M912.96M873.8M914.27M1.43B
NII Growth %9.18%10.5%-28.31%-0.14%5.84%14.74%-4.29%4.63%56.64%
Net Interest Margin %3.13%3.26%2.29%2.15%2.22%2.47%2.44%2.59%4.09%
Interest Income1.2B1.45B1.28B1.07B959.45M1.23B1.86B1.93B2.24B
Interest Expense254.19M399.05M529.09M315.85M163.76M317.49M983.78M1.01B805.21M
Loan Loss Provision68.75M25.93M8.9M178.43M-67.12M75.15M87.61M55.07M277.02M
Non-Interest Income157.9M132.02M147.2M133.22M134.15M77.64M86.84M99.16M-94.92M
Non-Interest Income %11.59%8.35%10.3%11.09%12.27%5.94%4.47%4.9%-4.43%
Total Revenue
1.36B▲ 0%
1.58B▲ 16.1%
1.43B▼ 9.6%
1.2B▼ 16.0%
1.09B▼ 8.9%
1.31B▲ 19.6%
1.94B▲ 48.6%
2.02B▲ 4.1%
2.14B▲ 5.8%
Revenue Growth %16.88%16.06%-9.62%-15.97%-8.93%19.61%48.65%4.11%5.84%
Non-Interest Expense634.97M740.54M487.09M457.19M547.58M540.31M635.95M642M702.86M
Efficiency Ratio46.61%46.84%34.08%38.07%50.07%41.31%32.71%31.72%32.81%
Operating Income
404.46M▲ 0%
415.65M▲ 2.8%
404M▼ 2.8%
250.06M▼ 38.1%
449.38M▲ 79.7%
375.13M▼ 16.5%
237.08M▼ 36.8%
316.35M▲ 33.4%
357.32M▲ 13.0%
Operating Margin %29.69%26.29%28.27%20.82%41.09%28.68%12.19%15.63%16.68%
Operating Income Growth %20.57%2.77%-2.8%-38.1%79.71%-16.52%-36.8%33.43%12.95%
Pretax Income
404.46M▲ 0%
415.65M▲ 2.8%
404M▼ 2.8%
249.36M▼ 38.3%
449.38M▲ 80.2%
375.13M▼ 16.5%
237.08M▼ 36.8%
316.35M▲ 33.4%
357.32M▲ 13.0%
Pretax Margin %29.69%26.29%28.27%20.77%41.09%28.68%12.19%15.63%16.68%
Income Tax-209.81M90.78M90.9M51.51M34.4M90.16M58.41M83.88M93.39M
Effective Tax Rate %-51.87%21.84%22.5%20.66%7.66%24.03%24.64%26.52%26.14%
Net Income
614.27M▲ 0%
324.87M▼ 47.1%
313.1M▼ 3.6%
197.85M▼ 36.8%
414.98M▲ 109.7%
284.97M▼ 31.3%
178.67M▼ 37.3%
232.47M▲ 30.1%
268.37M▲ 15.4%
Net Margin %45.09%20.55%21.91%16.48%37.95%21.79%9.19%11.48%12.53%
Net Income Growth %172.11%-47.11%-3.62%-36.81%109.74%-31.33%-37.3%30.11%15.44%
Net Income (Continuing)614.27M324.87M313.1M197.85M414.98M284.97M178.67M232.47M263.93M
EPS (Diluted)
5.58▲ 0%
2.99▼ 46.4%
3.13▲ 4.7%
2.06▼ 34.2%
4.52▲ 119.4%
3.54▼ 21.7%
2.38▼ 32.8%
3.08▲ 29.4%
3.54▲ 14.9%
EPS Growth %166.99%-46.42%4.68%-34.19%119.42%-21.68%-32.77%29.41%14.94%
EPS (Basic)5.603.013.142.064.523.552.393.103.56
Diluted Shares Outstanding105.86M104.08M95.66M91.73M90.4M78.81M73.52M73.98M76.96M

BKU Balance Sheet

BankUnited, Inc. (BKU) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments6.88B382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M
Cash & Due from Banks194.58M382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M
Short Term Investments6.68B00000000
Total Investments28.26B30.34B31.11B33.01B33.84B34.79B33.62B33.41B9.4B
Investments Growth %10.18%7.34%2.54%6.1%2.52%2.8%-3.36%-0.62%-71.85%
Long-Term Investments21.58B30.34B31.11B33.01B33.84B34.79B33.62B33.41B9.4B
Accounts Receivables0000000024.05B
Goodwill & Intangibles77.8M77.72M77.67M77.64M77.64M77.64M77.64M77.64M77.64M
Goodwill77.8M77.72M077.64M77.64M77.64M77.64M77.64M77.64M
Intangible Assets0077.67M000000
PP&E (Net)599.5M702.35M698.15M663.52M640.73M539.8M371.91M223.84M171.37M
Other Assets1.21B664.18M773.65M865.68M943.52M1.05B1.11B1.04B305.31M
Total Current Assets6.88B382.07M214.67M397.72M314.86M572.65M588.28M491.12M24.27B
Total Non-Current Assets23.47B31.78B32.66B34.61B35.5B36.45B35.17B34.75B9.96B
Total Assets
30.35B▲ 0%
32.16B▲ 6.0%
32.87B▲ 2.2%
35.01B▲ 6.5%
35.82B▲ 2.3%
37.03B▲ 3.4%
35.76B▼ 3.4%
35.24B▼ 1.5%
35.04B▼ 0.6%
Asset Growth %8.85%5.99%2.2%6.51%2.3%3.38%-3.42%-1.45%-0.57%
Return on Assets (ROA)2.11%1.04%0.96%0.58%1.17%0.78%0.49%0.65%0.76%
Accounts Payable0000000029.35B
Total Debt5.17B5.37B5.01B4.03B2.83B6.33B5.82B3.64B1.97B
Net Debt4.98B4.99B4.8B3.63B2.51B5.76B5.24B3.15B1.76B
Long-Term Debt5.16B5.19B4.88B3.81B2.6B6.11B5.8B3.61B319.74M
Short-Term Debt0175M100M180M199M190M001.58B
Other Liabilities268.62M392.52M486.08M506.17M514.12M750.47M821.24M923.17M30.01B
Total Current Liabilities21.88B23.65B24.49B27.68B29.64B27.7B26.54B27.87B1.58B
Total Non-Current Liabilities5.44B5.59B5.4B4.35B3.14B6.89B6.65B4.56B30.5B
Total Liabilities27.32B29.24B29.89B32.03B32.78B34.59B33.18B32.43B31.99B
Total Equity
3.03B▲ 0%
2.92B▼ 3.4%
2.98B▲ 1.9%
2.98B▲ 0.1%
3.04B▲ 1.8%
2.44B▼ 19.8%
2.58B▲ 5.8%
2.81B▲ 9.2%
3.05B▲ 8.5%
Equity Growth %25.13%-3.38%1.95%0.07%1.84%-19.81%5.83%9.17%8.51%
Equity / Assets (Capital Ratio)9.97%9.09%9.07%8.52%8.48%6.58%7.21%7.99%8.72%
Return on Equity (ROE)22.56%10.92%10.61%6.64%13.79%10.41%7.13%8.62%9.15%
Book Value per Share28.5928.0931.1632.5233.6030.9135.0638.0439.68
Tangible BV per Share27.8527.3530.3531.6732.7429.9334.0136.9938.67
Common Stock1.07M991K951K931K856K757K744K747K741K
Additional Paid-in Capital1.5B1.22B1.08B1.02B707.5M321.73M283.64M301.67M271.69M
Retained Earnings1.47B1.7B1.93B2.01B2.35B2.55B2.65B2.8B2.97B
Accumulated OCI54.99M4.87M-31.83M-49.15M-15.94M-437.9M-357.42M-284.54M-189.59M
Treasury Stock000000000
Preferred Stock000000000

BKU Cash Flow Statement

BankUnited, Inc. (BKU) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations318.63M824.25M635.71M864.17M1.22B1.29B657.5M433.78M358.61M
Operating CF Growth %3.28%158.69%-22.87%35.94%41.2%6.04%-49.18%-34.03%-17.33%
Net Income614.27M324.87M313.1M197.85M414.98M284.97M178.67M232.47M268.35M
Depreciation & Amortization61.55M64.27M72.42M72.51M78.5M77.62M74.06M60.11M51.02M
Deferred Taxes57.8M67.78M24.53M-27.59M-9.02M1.44M-46.83M-43.93M-5.36M
Other Non-Cash Items-76.74M32.97M263.76M703.67M687.93M689.07M327.54M142.91M153.87M
Working Capital Changes-360.95M311.24M-61.47M-102.65M31.88M219.78M104.43M20.64M-129.73M
Cash from Investing-2.45B-2.04B-1.08B-2.62B-1.64B-2.12B980.57M409.71M-214.43M
Purchase of Investments-3.38B-4.45B-4.31B-4.34B-5.9B-3.45B-950.37M-2.75B-4.1B
Sale/Maturity of Investments2.81B2.87B4.77B3.05B5B2.9B1.94B2.82B4.07B
Net Investment Activity-565.48M-1.58B463M-1.29B-902.15M-549.98M986.9M74.04M-23.61M
Acquisitions000000000
Other Investing-1.79B-275.74M-1.47B-1.31B-691.57M-1.62B-106.66M187.37M-213.68M
Cash from Financing1.88B1.4B272.39M1.94B334.87M1.08B-1.62B-940.66M-417.52M
Dividends Paid-91.63M-91.31M-84.08M-86.52M-85.79M-79.44M-79.09M-85.51M-91.9M
Share Repurchases0-299.97M-154.03M-100.97M-318.5M-401.29M-55.15M0-44.8M
Stock Issued62.09M00000000
Net Stock Activity62.09M-299.97M-154.03M-100.97M-318.5M-401.29M-55.15M0-44.8M
Debt Issuance (Net)-1000K1000K-1000K-1000K-1000K1000K-1000K-1000K-1000K
Other Financing2.44B1.77B825.5M3.19B1.96B-1.95B-1.18B1.33B1.48B
Net Change in Cash
-253.73M▲ 0%
187.49M▲ 173.9%
-167.4M▼ 189.3%
183.04M▲ 209.3%
-82.86M▼ 145.3%
257.79M▲ 411.1%
15.64M▼ 93.9%
-97.17M▼ 721.4%
-273.33M▼ 181.3%
Exchange Rate Effect000000000
Cash at Beginning448.31M194.58M382.07M214.67M397.72M314.86M572.65M588.28M491.12M
Cash at End194.58M382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M
Interest Paid247.55M387.8M518.86M336.99M169.29M294.14M950.48M1.03B831.9M
Income Taxes Paid69.23M0229K8.64M248.47M048.78M101.77M147.75M
Free Cash Flow
219.07M▲ 0%
633.75M▲ 189.3%
571.92M▼ 9.8%
844.57M▲ 47.7%
1.19B▲ 40.8%
1.29B▲ 8.8%
657.5M▼ 49.2%
433.78M▼ 34.0%
358.61M▼ 17.3%
FCF Growth %-0.4%189.29%-9.76%47.67%40.75%8.84%-49.18%-34.03%-17.33%

BKU Banking Ratios

BankUnited, Inc. (BKU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.68%22.56%10.92%10.61%6.64%13.79%10.41%7.13%8.62%9.15%
Return on Assets (ROA)0.87%2.11%1.04%0.96%0.58%1.17%0.78%0.49%0.65%0.76%
Net Interest Margin3.12%3.13%3.26%2.29%2.15%2.22%2.47%2.44%2.59%4.09%
Efficiency Ratio50.65%46.61%46.84%34.08%38.07%50.07%41.31%32.71%31.72%32.81%
Equity / Assets8.67%9.97%9.09%9.07%8.52%8.48%6.58%7.21%7.99%8.72%
Book Value / Share23.3328.5928.0931.1632.5233.630.9135.0638.0439.68
NII Growth16.73%9.18%10.5%-28.31%-0.14%5.84%14.74%-4.29%4.63%56.64%
Dividend Payout39.79%14.92%28.11%26.86%43.73%20.67%27.88%44.27%36.79%34.25%

BKU SEC Filings & Documents

BankUnited, Inc. (BKU) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Feb 11, 2026·SEC

Material company update

Jan 21, 2026·SEC

10-K Annual Reports

5
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 20, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 8, 2025·SEC

BKU Frequently Asked Questions

BankUnited, Inc. (BKU) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

BankUnited, Inc. (BKU) grew revenue by 5.8% over the past year. This is steady growth.

Yes, BankUnited, Inc. (BKU) is profitable, generating $268.4M in net income for fiscal year 2025 (12.5% net margin).

Dividend & Returns

Yes, BankUnited, Inc. (BKU) pays a dividend with a yield of 2.53%. This makes it attractive for income-focused investors.

BankUnited, Inc. (BKU) has a return on equity (ROE) of 9.1%. This is below average, suggesting room for improvement.

Industry Metrics

BankUnited, Inc. (BKU) has a net interest margin (NIM) of 4.1%. This indicates healthy earnings from lending activities.

BankUnited, Inc. (BKU) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.

Explore More BKU

BankUnited, Inc. (BKU) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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