8-K Announcements
6Apr 22, 2026·SEC
Feb 11, 2026·SEC
Jan 21, 2026·SEC
BankUnited, Inc. (BKU) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BankUnited, Inc. (BKU) stock price & volume — 10-year historical chart
BankUnited, Inc. (BKU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
BankUnited, Inc. (BKU) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.83vs $0.97-14.4% | $274Mvs $284M-3.7% |
| Q1 2026 | Jan 28, 2026 | $0.91vs $0.84+8.3% | $472M |
| Q1 2026 | Jan 21, 2026 | $0.94vs $0.85+10.6% | $288Mvs $280M+2.9% |
| Q4 2025 | Oct 22, 2025 | $0.95vs $0.88+7.5% | $520Mvs $280M+85.5% |
BankUnited, Inc. (BKU) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
BankUnited, Inc. (BKU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BankUnited, Inc. (BKU) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 950.27M | 1.05B | 752.78M | 751.76M | 795.69M | 912.96M | 873.8M | 914.27M | 1.43B |
| 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 Income | 1.2B | 1.45B | 1.28B | 1.07B | 959.45M | 1.23B | 1.86B | 1.93B | 2.24B |
| Interest Expense | 254.19M | 399.05M | 529.09M | 315.85M | 163.76M | 317.49M | 983.78M | 1.01B | 805.21M |
| Loan Loss Provision | 68.75M | 25.93M | 8.9M | 178.43M | -67.12M | 75.15M | 87.61M | 55.07M | 277.02M |
| Non-Interest Income | 157.9M | 132.02M | 147.2M | 133.22M | 134.15M | 77.64M | 86.84M | 99.16M | -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 Expense | 634.97M | 740.54M | 487.09M | 457.19M | 547.58M | 540.31M | 635.95M | 642M | 702.86M |
| Efficiency Ratio | 46.61% | 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 | -209.81M | 90.78M | 90.9M | 51.51M | 34.4M | 90.16M | 58.41M | 83.88M | 93.39M |
| 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) | 614.27M | 324.87M | 313.1M | 197.85M | 414.98M | 284.97M | 178.67M | 232.47M | 263.93M |
| 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) | 5.60 | 3.01 | 3.14 | 2.06 | 4.52 | 3.55 | 2.39 | 3.10 | 3.56 |
| Diluted Shares Outstanding | 105.86M | 104.08M | 95.66M | 91.73M | 90.4M | 78.81M | 73.52M | 73.98M | 76.96M |
BankUnited, Inc. (BKU) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 6.88B | 382.07M | 214.67M | 397.72M | 314.86M | 572.65M | 588.28M | 491.12M | 217.78M |
| Cash & Due from Banks | 194.58M | 382.07M | 214.67M | 397.72M | 314.86M | 572.65M | 588.28M | 491.12M | 217.78M |
| Short Term Investments | 6.68B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 28.26B | 30.34B | 31.11B | 33.01B | 33.84B | 34.79B | 33.62B | 33.41B | 9.4B |
| Investments Growth % | 10.18% | 7.34% | 2.54% | 6.1% | 2.52% | 2.8% | -3.36% | -0.62% | -71.85% |
| Long-Term Investments | 21.58B | 30.34B | 31.11B | 33.01B | 33.84B | 34.79B | 33.62B | 33.41B | 9.4B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24.05B |
| Goodwill & Intangibles | 77.8M | 77.72M | 77.67M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M |
| Goodwill | 77.8M | 77.72M | 0 | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M |
| Intangible Assets | 0 | 0 | 77.67M | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 599.5M | 702.35M | 698.15M | 663.52M | 640.73M | 539.8M | 371.91M | 223.84M | 171.37M |
| Other Assets | 1.21B | 664.18M | 773.65M | 865.68M | 943.52M | 1.05B | 1.11B | 1.04B | 305.31M |
| Total Current Assets | 6.88B | 382.07M | 214.67M | 397.72M | 314.86M | 572.65M | 588.28M | 491.12M | 24.27B |
| Total Non-Current Assets | 23.47B | 31.78B | 32.66B | 34.61B | 35.5B | 36.45B | 35.17B | 34.75B | 9.96B |
| 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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29.35B |
| Total Debt | 5.17B | 5.37B | 5.01B | 4.03B | 2.83B | 6.33B | 5.82B | 3.64B | 1.97B |
| Net Debt | 4.98B | 4.99B | 4.8B | 3.63B | 2.51B | 5.76B | 5.24B | 3.15B | 1.76B |
| Long-Term Debt | 5.16B | 5.19B | 4.88B | 3.81B | 2.6B | 6.11B | 5.8B | 3.61B | 319.74M |
| Short-Term Debt | 0 | 175M | 100M | 180M | 199M | 190M | 0 | 0 | 1.58B |
| Other Liabilities | 268.62M | 392.52M | 486.08M | 506.17M | 514.12M | 750.47M | 821.24M | 923.17M | 30.01B |
| Total Current Liabilities | 21.88B | 23.65B | 24.49B | 27.68B | 29.64B | 27.7B | 26.54B | 27.87B | 1.58B |
| Total Non-Current Liabilities | 5.44B | 5.59B | 5.4B | 4.35B | 3.14B | 6.89B | 6.65B | 4.56B | 30.5B |
| Total Liabilities | 27.32B | 29.24B | 29.89B | 32.03B | 32.78B | 34.59B | 33.18B | 32.43B | 31.99B |
| 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 Share | 28.59 | 28.09 | 31.16 | 32.52 | 33.60 | 30.91 | 35.06 | 38.04 | 39.68 |
| Tangible BV per Share | 27.85 | 27.35 | 30.35 | 31.67 | 32.74 | 29.93 | 34.01 | 36.99 | 38.67 |
| Common Stock | 1.07M | 991K | 951K | 931K | 856K | 757K | 744K | 747K | 741K |
| Additional Paid-in Capital | 1.5B | 1.22B | 1.08B | 1.02B | 707.5M | 321.73M | 283.64M | 301.67M | 271.69M |
| Retained Earnings | 1.47B | 1.7B | 1.93B | 2.01B | 2.35B | 2.55B | 2.65B | 2.8B | 2.97B |
| Accumulated OCI | 54.99M | 4.87M | -31.83M | -49.15M | -15.94M | -437.9M | -357.42M | -284.54M | -189.59M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BankUnited, Inc. (BKU) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 318.63M | 824.25M | 635.71M | 864.17M | 1.22B | 1.29B | 657.5M | 433.78M | 358.61M |
| Operating CF Growth % | 3.28% | 158.69% | -22.87% | 35.94% | 41.2% | 6.04% | -49.18% | -34.03% | -17.33% |
| Net Income | 614.27M | 324.87M | 313.1M | 197.85M | 414.98M | 284.97M | 178.67M | 232.47M | 268.35M |
| Depreciation & Amortization | 61.55M | 64.27M | 72.42M | 72.51M | 78.5M | 77.62M | 74.06M | 60.11M | 51.02M |
| Deferred Taxes | 57.8M | 67.78M | 24.53M | -27.59M | -9.02M | 1.44M | -46.83M | -43.93M | -5.36M |
| Other Non-Cash Items | -76.74M | 32.97M | 263.76M | 703.67M | 687.93M | 689.07M | 327.54M | 142.91M | 153.87M |
| Working Capital Changes | -360.95M | 311.24M | -61.47M | -102.65M | 31.88M | 219.78M | 104.43M | 20.64M | -129.73M |
| Cash from Investing | -2.45B | -2.04B | -1.08B | -2.62B | -1.64B | -2.12B | 980.57M | 409.71M | -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 Investments | 2.81B | 2.87B | 4.77B | 3.05B | 5B | 2.9B | 1.94B | 2.82B | 4.07B |
| Net Investment Activity | -565.48M | -1.58B | 463M | -1.29B | -902.15M | -549.98M | 986.9M | 74.04M | -23.61M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -1.79B | -275.74M | -1.47B | -1.31B | -691.57M | -1.62B | -106.66M | 187.37M | -213.68M |
| Cash from Financing | 1.88B | 1.4B | 272.39M | 1.94B | 334.87M | 1.08B | -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 Repurchases | 0 | -299.97M | -154.03M | -100.97M | -318.5M | -401.29M | -55.15M | 0 | -44.8M |
| Stock Issued | 62.09M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 62.09M | -299.97M | -154.03M | -100.97M | -318.5M | -401.29M | -55.15M | 0 | -44.8M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 2.44B | 1.77B | 825.5M | 3.19B | 1.96B | -1.95B | -1.18B | 1.33B | 1.48B |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 448.31M | 194.58M | 382.07M | 214.67M | 397.72M | 314.86M | 572.65M | 588.28M | 491.12M |
| Cash at End | 194.58M | 382.07M | 214.67M | 397.72M | 314.86M | 572.65M | 588.28M | 491.12M | 217.78M |
| Interest Paid | 247.55M | 387.8M | 518.86M | 336.99M | 169.29M | 294.14M | 950.48M | 1.03B | 831.9M |
| Income Taxes Paid | 69.23M | 0 | 229K | 8.64M | 248.47M | 0 | 48.78M | 101.77M | 147.75M |
| 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% |
BankUnited, Inc. (BKU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.12% | 3.13% | 3.26% | 2.29% | 2.15% | 2.22% | 2.47% | 2.44% | 2.59% | 4.09% |
| Efficiency Ratio | 50.65% | 46.61% | 46.84% | 34.08% | 38.07% | 50.07% | 41.31% | 32.71% | 31.72% | 32.81% |
| Equity / Assets | 8.67% | 9.97% | 9.09% | 9.07% | 8.52% | 8.48% | 6.58% | 7.21% | 7.99% | 8.72% |
| Book Value / Share | 23.33 | 28.59 | 28.09 | 31.16 | 32.52 | 33.6 | 30.91 | 35.06 | 38.04 | 39.68 |
| NII Growth | 16.73% | 9.18% | 10.5% | -28.31% | -0.14% | 5.84% | 14.74% | -4.29% | 4.63% | 56.64% |
| Dividend Payout | 39.79% | 14.92% | 28.11% | 26.86% | 43.73% | 20.67% | 27.88% | 44.27% | 36.79% | 34.25% |
BankUnited, Inc. (BKU) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Feb 11, 2026·SEC
Jan 21, 2026·SEC
BankUnited, Inc. (BKU) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
BankUnited, Inc. (BKU) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates