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BKUBankUnited, Inc.
$50.25$3.7B
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BKU logoBankUnited, Inc.(BKU)Earnings, Financials & Key Ratios

BKU•NYSE•Banking & Credit
14.2× P/E·Price updated Jun 25, 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%

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 2.4%
  • ✓Trading near 52-week high
  • ✓Trading at only 1.3x 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.

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BKU Price & Volume

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

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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%
TTM11.85%

EPS CAGR

10 Years4.18%
5 Years11.44%
3 Years0%
TTM10.56%

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
Metric
Actual
Est
EPS
$0.83-13.0%
$0.95
Rev
$274M-3.7%
$284M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.91+8.3%
$0.84
Rev
$472M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.94+10.6%
$0.85
Rev
$288M+2.9%
$280M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.95+7.5%
$0.88
Rev
$520M+85.5%
$280M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.83vs $0.95-13.0%
$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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.79B77.1011.651.03%39.31%13.16%0.22
WSFS logoWSFSWSFS Financial CorporationDirect Competitor4.05B77.8715.30-3.05%22.64%11.38%0.11
BOKF logoBOKFBOK Financial CorporationDirect Competitor8.41B138.4615.08-1.07%18.3%10.31%0.78
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.92B143.4115.7168.52%19.79%11.67%0.49
WTFC logoWTFCWintrust Financial CorporationDirect Competitor10.92B161.8814.006.66%20.11%11.93%0.62
FHB logoFHBFirst Hawaiian, Inc.Direct Competitor3.56B29.3013.323.21%24.81%10.39%
SBCF logoSBCFSeacoast Banking Corporation of FloridaProduct Competitor3.16B32.4620.547.49%15.92%5.4%0.44
OCFC logoOCFCOceanFirst Financial Corp.Product Competitor1.09B18.8716.13-4.7%10.55%4.22%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 MCO

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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
950.27M1.05B752.78M751.76M795.69M912.96M873.8M914.27M1.43B1.45B
NII Growth %
9.18%10.5%-28.31%-0.14%5.84%14.74%-4.29%4.63%56.64%220.31%
Net Interest Margin %
3.13%3.26%2.29%2.15%2.22%2.47%2.44%2.59%4.09%4.1%
Interest Income
1.2B1.45B1.28B1.07B959.45M1.23B1.86B1.93B2.24B2.22B
Interest Expense
254.19M399.05M529.09M315.85M163.76M317.49M983.78M1.01B805.21M767.86M
Loan Loss Provision
68.75M25.93M8.9M178.43M-67.12M75.15M87.61M55.07M277.02M286.49M
Non-Interest Income
157.9M132.02M147.2M133.22M134.15M77.64M86.84M99.16M-94.92M-92.49M
Non-Interest Income %
11.59%8.35%10.3%11.09%12.27%5.94%4.47%4.9%-4.43%-4.36%
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%
2.12B▲ 0%
Revenue Growth %
16.88%16.06%-9.62%-15.97%-8.93%19.61%48.65%4.11%5.84%26.81%
Non-Interest Expense
634.97M740.54M487.09M457.19M547.58M540.31M635.95M642M702.86M710M
Efficiency Ratio
46.61%46.84%34.08%38.07%50.07%41.31%32.71%31.72%32.81%33.44%
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%
358.99M▲ 0%
Operating Margin %
29.69%26.29%28.27%20.82%41.09%28.68%12.19%15.63%16.68%16.91%
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%
358.99M▲ 0%
Pretax Margin %
29.69%26.29%28.27%20.77%41.09%28.68%12.19%15.63%16.68%16.91%
Income Tax
-209.81M90.78M90.9M51.51M34.4M90.16M58.41M83.88M93.39M91.66M
Effective Tax Rate %
-51.87%21.84%22.5%20.66%7.66%24.03%24.64%26.52%26.14%25.53%
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%
271.77M▲ 0%
Net Margin %
45.09%20.55%21.91%16.48%37.95%21.79%9.19%11.48%12.53%12.8%
Net Income Growth %
172.11%-47.11%-3.62%-36.81%109.74%-31.33%-37.3%30.11%15.44%11.85%
Net Income (Continuing)
614.27M324.87M313.1M197.85M414.98M284.97M178.67M232.47M263.93M267.33M
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%
3.53▲ 0%
EPS Growth %
166.99%-46.42%4.68%-34.19%119.42%-21.68%-32.77%29.41%14.94%10.56%
EPS (Basic)
5.603.013.142.064.523.552.393.103.56-
Diluted Shares Outstanding
105.86M104.08M95.66M91.73M90.4M78.81M73.52M73.98M76.96M76.96M

BKU Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
6.88B382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M11.87B
Cash & Due from Banks
194.58M382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M13.34M
Short Term Investments
6.68B000000000
Total Investments
28.26B30.34B31.11B33.01B33.84B34.79B33.62B33.41B9.4B33.95B
Investments Growth %
10.18%7.34%2.54%6.1%2.52%2.8%-3.36%-0.62%-71.85%-71.21%
Long-Term Investments
21.58B30.34B31.11B33.01B33.84B34.79B33.62B33.41B9.4B99.49B
Accounts Receivables
0000000024.05B0
Goodwill & Intangibles
77.8M77.72M77.67M77.64M77.64M77.64M77.64M77.64M77.64M77.64M
Goodwill
77.8M77.72M077.64M77.64M77.64M77.64M77.64M77.64M77.64M
Intangible Assets
0077.67M0000000
PP&E (Net)
599.5M702.35M698.15M663.52M640.73M539.8M371.91M223.84M171.37M150.21M
Other Assets
1.21B664.18M773.65M865.68M943.52M1.05B1.11B1.04B305.31M1.16B
Total Current Assets
6.88B382.07M214.67M397.72M314.86M572.65M588.28M491.12M24.27B13.34M
Total Non-Current Assets
23.47B31.78B32.66B34.61B35.5B36.45B35.17B34.75B9.96B35.35B
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%
35.36B▲ 0%
Asset Growth %
8.85%5.99%2.2%6.51%2.3%3.38%-3.42%-1.45%-0.57%-0.95%
Return on Assets (ROA)
2.11%1.04%0.96%0.58%1.17%0.78%0.49%0.65%0.76%0.77%
Accounts Payable
0000000029.35B0
Total Debt
5.17B5.37B5.01B4.03B2.83B6.33B5.82B3.64B1.97B2.07B
Net Debt
4.98B4.99B4.8B3.63B2.51B5.76B5.24B3.15B1.76B2.06B
Long-Term Debt
5.16B5.19B4.88B3.81B2.6B6.11B5.8B3.61B319.74M297.02M
Short-Term Debt
0175M100M180M199M190M001.58B1.75B
Other Liabilities
268.62M392.52M486.08M506.17M514.12M750.47M821.24M923.17M30.01B30.27B
Total Current Liabilities
21.88B23.65B24.49B27.68B29.64B27.7B26.54B27.87B1.58B1.75B
Total Non-Current Liabilities
5.44B5.59B5.4B4.35B3.14B6.89B6.65B4.56B30.5B30.59B
Total Liabilities
27.32B29.24B29.89B32.03B32.78B34.59B33.18B32.43B31.99B32.34B
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%
3.02B▲ 0%
Equity Growth %
25.13%-3.38%1.95%0.07%1.84%-19.81%5.83%9.17%8.51%29.98%
Equity / Assets (Capital Ratio)
9.97%9.09%9.07%8.52%8.48%6.58%7.21%7.99%8.72%8.53%
Return on Equity (ROE)
22.56%10.92%10.61%6.64%13.79%10.41%7.13%8.62%9.15%9.02%
Book Value per Share
28.5928.0931.1632.5233.6030.9135.0638.0439.6839.19
Tangible BV per Share
27.8527.3530.3531.6732.7429.9334.0136.9938.6738.18
Common Stock
1.07M991K951K931K856K757K744K747K741K734K
Additional Paid-in Capital
1.5B1.22B1.08B1.02B707.5M321.73M283.64M301.67M271.69M209.27M
Retained Earnings
1.47B1.7B1.93B2.01B2.35B2.55B2.65B2.8B2.97B3.01B
Accumulated OCI
54.99M4.87M-31.83M-49.15M-15.94M-437.9M-357.42M-284.54M-189.59M-203.08M
Treasury Stock
0000000000
Preferred Stock
0000000000

BKU Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
318.63M824.25M635.71M864.17M1.22B1.29B657.5M433.78M358.61M360.55M
Operating CF Growth %
3.28%158.69%-22.87%35.94%41.2%6.04%-49.18%-34.03%-17.33%82.27%
Net Income
614.27M324.87M313.1M197.85M414.98M284.97M178.67M232.47M268.35M271.77M
Depreciation & Amortization
61.55M64.27M72.42M72.51M78.5M77.62M74.06M60.11M51.02M45.66M
Deferred Taxes
57.8M67.78M24.53M-27.59M-9.02M1.44M-46.83M-43.93M-5.36M-279K
Other Non-Cash Items
-76.74M32.97M263.76M703.67M687.93M689.07M327.54M142.91M153.87M162.12M
Working Capital Changes
-360.95M311.24M-61.47M-102.65M31.88M219.78M104.43M20.64M-129.73M-139.68M
Cash from Investing
-2.45B-2.04B-1.08B-2.62B-1.64B-2.12B980.57M409.71M-214.43M-475.91M
Purchase of Investments
-3.38B-4.45B-4.31B-4.34B-5.9B-3.45B-950.37M-2.75B-4.1B-4.77B
Sale/Maturity of Investments
2.81B2.87B4.77B3.05B5B2.9B1.94B2.82B4.07B4.95B
Net Investment Activity
-565.48M-1.58B463M-1.29B-902.15M-549.98M986.9M74.04M-23.61M175.7M
Acquisitions
0000000000
Other Investing
-1.79B-275.74M-1.47B-1.31B-691.57M-1.62B-106.66M187.37M-213.68M-672.39M
Cash from Financing
1.88B1.4B272.39M1.94B334.87M1.08B-1.62B-940.66M-417.52M56.56M
Dividends Paid
-91.63M-91.31M-84.08M-86.52M-85.79M-79.44M-79.09M-85.51M-91.9M-93.81M
Share Repurchases
0-299.97M-154.03M-100.97M-318.5M-401.29M-55.15M0-44.8M-104.76M
Stock Issued
62.09M000000000
Net Stock Activity
62.09M-299.97M-154.03M-100.97M-318.5M-401.29M-55.15M0-44.8M-104.76M
Debt Issuance (Net)
-1000K1000K-1000K-1000K-1000K1000K-1000K-1000K-1000K-2M
Other Financing
2.44B1.77B825.5M3.19B1.96B-1.95B-1.18B1.33B1.48B1.29B
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%
-58.8M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
448.31M194.58M382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M
Cash at End
194.58M382.07M214.67M397.72M314.86M572.65M588.28M491.12M217.78M384.94M
Interest Paid
247.55M387.8M518.86M336.99M169.29M294.14M950.48M1.03B831.9M793.72M
Income Taxes Paid
69.23M0229K8.64M248.47M048.78M101.77M147.75M144.03M
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%
360.55M▲ 0%
FCF Growth %
-0.4%189.29%-9.76%47.67%40.75%8.84%-49.18%-34.03%-17.33%-6.03%

BKU Banking Ratios

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

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
22.56%10.92%10.61%6.64%13.79%10.41%7.13%8.62%9.15%9.02%
Return on Assets (ROA)
2.11%1.04%0.96%0.58%1.17%0.78%0.49%0.65%0.76%0.77%
Net Interest Margin
3.13%3.26%2.29%2.15%2.22%2.47%2.44%2.59%4.09%4.1%
Efficiency Ratio
46.61%46.84%34.08%38.07%50.07%41.31%32.71%31.72%32.81%33.44%
Equity / Assets
9.97%9.09%9.07%8.52%8.48%6.58%7.21%7.99%8.72%8.53%
Book Value / Share
28.5928.0931.1632.5233.630.9135.0638.0439.6839.19
NII Growth
9.18%10.5%-28.31%-0.14%5.84%14.74%-4.29%4.63%56.64%55.27%
Dividend Payout
14.92%28.11%26.86%43.73%20.67%27.88%44.27%36.79%34.25%34.52%
Related:BKU Dividend History·BKU Revenue History·BKU Price History·BKU P/E History·BKU Financial Ratios·BKU Institutional Holders

BKU SEC Filings & Documents

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

8-K Announcements

6
Material company update

May 21, 2026·SEC

Material company update

May 12, 2026·SEC

Material company update

Apr 22, 2026·SEC

10-K Annual Reports

4
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 20, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 5, 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 $271.8M in net income for fiscal year 2025 (12.5% net margin).

Dividend & Returns

Yes, BankUnited, Inc. (BKU) pays a dividend with a yield of 2.38%. 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.

What if you invested $1,000 in BKU back in 2009?

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How much would $100/month in BKU be worth today?

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