BankUnited, Inc. (BKU) Financial Ratios
17 years of historical data (2009–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.76
↓-18% vs avg
5yr avg: 16.84
30Y Low10.4·High24.5
P/FCF
↑
10.18
↑+104% vs avg
5yr avg: 5.00
30Y Low2.1·High115.5
P/B Ratio
↓
1.27
+17% vs avg
5yr avg: 1.08
30Y Low0.9·High1.7
ROE
↓
9.1%
-7% vs avg
5yr avg: 9.8%
30Y Low5%·High23%
Debt/EBITDA
↓
5.02
↓-52% vs avg
5yr avg: 10.55
30Y Low5.0·High18.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BKU Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
BankUnited, Inc. trades at 14.2x earnings, 23% above its 5-year average of 11.5x, sitting at the 60th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 14.0x. On a free-cash-flow basis, the stock trades at 10.2x P/FCF, 104% above the 5-year average of 5.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.7B | $3.4B | $2.8B | $2.4B | $2.7B | $3.8B | $3.2B | $3.5B | $3.1B | $4.3B | $3.9B |
| Enterprise Value | $5.4B | $5.2B | $6.0B | $7.6B | $8.4B | $6.3B | $6.8B | $8.3B | $8.1B | $9.3B | $9.1B |
| P/E Ratio → | 14.19 | 12.59 | 12.39 | 13.63 | 9.60 | 9.36 | 16.88 | 11.68 | 10.01 | 7.30 | 18.03 |
| P/S Ratio | 1.70 | 1.60 | 1.39 | 1.23 | 2.05 | 3.50 | 2.66 | 2.45 | 1.97 | 3.16 | 3.35 |
| P/B Ratio | 1.27 | 1.12 | 1.00 | 0.92 | 1.10 | 1.26 | 1.07 | 1.17 | 1.07 | 1.42 | 1.62 |
| P/FCF | 10.18 | 9.56 | 6.51 | 3.63 | 2.07 | 3.22 | 3.78 | 6.11 | 4.92 | 19.68 | 17.76 |
| P/OCF | 10.18 | 9.56 | 6.51 | 3.63 | 2.07 | 3.13 | 3.69 | 5.50 | 3.78 | 13.53 | 12.66 |
P/E links to full P/E history page with 30-year chart
BKU EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
BankUnited, Inc.'s enterprise value stands at 13.8x EBITDA, 18% below its 5-year average of 16.8x. The Financial Services sector median is 11.2x, placing the stock at a 23% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.42 | 2.95 | 3.92 | 6.45 | 5.79 | 5.68 | 5.80 | 5.13 | 6.82 | 7.81 |
| EV / EBITDA | 13.76 | 13.19 | 15.86 | 24.49 | 18.63 | 12.00 | 21.14 | 17.41 | 16.89 | 19.93 | 23.22 |
| EV / EBIT | 15.13 | 14.51 | 18.88 | 32.14 | 22.49 | 14.10 | 27.34 | 20.53 | 19.51 | 22.97 | 27.13 |
| EV / FCF | — | 14.46 | 13.77 | 11.59 | 6.52 | 5.33 | 8.07 | 14.50 | 12.79 | 42.40 | 41.38 |
BKU Profitability
Margins and return-on-capital ratios measuring operating efficiency
BankUnited, Inc. earns an operating margin of 16.7%, below the Financial Services sector average of 20.0%. Operating margins have expanded from 12.2% to 16.7% over the past 3 years, signaling improving operational efficiency. ROE of 9.1% is modest. ROIC of 4.7% represents below-average returns on invested capital versus a sector median of 5.3%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.5% | 49.5% | 47.3% | 44.9% | 70.0% | 91.2% | 58.8% | 62.4% | 73.1% | 76.3% | 79.4% |
| Operating Margin | 16.7% | 16.7% | 15.6% | 12.2% | 28.7% | 41.1% | 20.8% | 28.3% | 26.3% | 29.7% | 28.8% |
| Net Profit Margin | 12.5% | 12.5% | 11.5% | 9.2% | 21.8% | 37.9% | 16.5% | 21.9% | 20.5% | 45.1% | 19.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.1% | 9.1% | 8.6% | 7.1% | 10.4% | 13.8% | 6.6% | 10.6% | 10.9% | 22.6% | 9.7% |
| ROA | 0.8% | 0.8% | 0.7% | 0.5% | 0.8% | 1.2% | 0.6% | 1.0% | 1.0% | 2.1% | 0.9% |
| ROIC | 4.7% | 4.7% | 3.2% | 2.1% | 3.8% | 5.2% | 2.5% | 3.7% | 3.8% | 3.7% | 3.4% |
| ROCE | 1.7% | 1.7% | 3.8% | 2.6% | 4.8% | 6.7% | 3.2% | 4.8% | 4.9% | 4.8% | 4.4% |
BKU Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
BankUnited, Inc. carries a Debt/EBITDA ratio of 5.0x, which is highly leveraged (20% above the sector average of 4.2x). Net debt stands at $1.8B ($2.0B total debt minus $218M cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.65 | 0.65 | 1.29 | 2.26 | 2.60 | 0.93 | 1.35 | 1.68 | 1.84 | 1.71 | 2.33 |
| Debt / EBITDA | 5.02 | 5.02 | 9.67 | 18.72 | 13.98 | 5.35 | 12.48 | 10.52 | 11.20 | 11.10 | 14.40 |
| Net Debt / Equity | — | 0.57 | 1.12 | 2.03 | 2.36 | 0.83 | 1.22 | 1.61 | 1.71 | 1.65 | 2.15 |
| Net Debt / EBITDA | 4.47 | 4.47 | 8.36 | 16.83 | 12.72 | 4.76 | 11.25 | 10.06 | 10.40 | 10.68 | 13.25 |
| Debt / FCF | — | 4.90 | 7.26 | 7.96 | 4.45 | 2.11 | 4.30 | 8.38 | 7.88 | 22.73 | 23.61 |
| Interest Coverage | 0.44 | 0.44 | 0.31 | 0.24 | 1.18 | 2.74 | 0.79 | 0.76 | 1.04 | 1.59 | 1.78 |
BKU Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
BankUnited, Inc.'s current ratio of 15.41x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.02x to 15.41x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 15.41 | 15.41 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.31 | 0.33 |
| Quick Ratio | 15.41 | 15.41 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.31 | 0.33 |
| Cash Ratio | 0.14 | 0.14 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BKU Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
BankUnited, Inc. returns 3.6% to shareholders annually — split between a 2.4% dividend yield and 1.2% buyback yield. The payout ratio of 34.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.4% | 2.7% | 3.0% | 3.3% | 3.0% | 2.2% | 2.7% | 2.4% | 2.9% | 2.1% | 2.3% |
| Payout Ratio | 34.2% | 34.2% | 36.8% | 44.3% | 27.9% | 20.7% | 43.7% | 26.9% | 28.1% | 14.9% | 39.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.0% | 7.9% | 8.1% | 7.3% | 10.4% | 10.7% | 5.9% | 8.6% | 10.0% | 13.7% | 5.5% |
| FCF Yield | 9.8% | 10.5% | 15.4% | 27.6% | 48.3% | 31.1% | 26.5% | 16.4% | 20.3% | 5.1% | 5.6% |
| Buyback Yield | 1.2% | 1.3% | 0.0% | 2.3% | 15.0% | 8.3% | 3.2% | 4.4% | 9.6% | 0.0% | 0.0% |
| Total Shareholder Yield | 3.6% | 4.0% | 3.0% | 5.6% | 18.0% | 10.6% | 5.9% | 6.8% | 12.6% | 2.1% | 2.3% |
| Shares Outstanding | — | $77M | $74M | $74M | $79M | $90M | $92M | $96M | $104M | $106M | $104M |
Peer Comparison
Compare BKU with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BKUYou | $4B | 14.2 | 13.8 | 10.2 | 49.5% | 16.7% | 9.1% | 4.7% | 5.0 |
 IBOC | $5B | 11.6 | 9.1 | 9.7 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
 WSFS | $4B | 15.3 | 7.4 | 19.0 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 BOKF | $8B | 15.1 | 14.3 | 11.4 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 UMBF | $11B | 15.7 | 13.0 | 11.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 WTFC | $11B | 14.0 | 12.4 | 12.7 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 FHB | $4B | 13.3 | 8.6 | 11.8 | 73.1% | 30.3% | 10.3% | 9.4% | — |
 SBCF | $3B | 20.5 | 19.1 | 17.6 | 61.6% | 21.4% | 5.5% | 3.9% | 5.9 |
 OCFC | $1B | 16.1 | 27.7 | 13.7 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 BANC | $3B | 17.8 | 10.0 | 13.8 | 58.7% | 18.0% | 6.5% | 3.9% | 7.6 |
 FULT | $5B | 11.7 | 9.3 | 16.3 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
| Financial Services Median | — | 14.0 | 11.2 | 11.4 | 64.0% | 20.0% | 8.9% | 5.3% | 4.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
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BKU — Frequently Asked Questions
Quick answers to the most common questions about buying BKU stock.
What is BankUnited, Inc.'s P/E ratio?
BankUnited, Inc.'s current P/E ratio is 14.2x. The historical average is 14.4x. This places it at the 60th percentile of its historical range.
What is BankUnited, Inc.'s EV/EBITDA?
BankUnited, Inc.'s current EV/EBITDA is 13.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 18.1x.
What is BankUnited, Inc.'s ROE?
BankUnited, Inc.'s return on equity (ROE) is 9.1%. The historical average is 11.0%.
Is BKU stock overvalued?
Based on historical data, BankUnited, Inc. is trading at a P/E of 14.2x. This is at the 60th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is BankUnited, Inc.'s dividend yield?
BankUnited, Inc.'s current dividend yield is 2.38% with a payout ratio of 34.2%.
What are BankUnited, Inc.'s profit margins?
BankUnited, Inc. has 49.5% gross margin and 16.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does BankUnited, Inc. have?
BankUnited, Inc.'s Debt/EBITDA ratio is 5.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.