BKU Stock Analysis: BankUnited | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.443m USD | 12M Return: 29.3% | US06652K1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 29.4M
EPS Trend: 78.9%
Qual. Beats: 0
Rev. Trend: 38.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
BankUnited, Inc. (NYSE: BKU) is a U.S. bank holding company that operates through its subsidiary, BankUnited, a national banking association offering a broad suite of banking products and services. The company was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
Its deposit franchise includes checking, money market, savings, and certificate of deposit accounts, along with treasury, payments, and cash management services. The lending portfolio spans commercial loans (including equipment financing, lines of credit, owner-occupied commercial real estate, mortgage warehouse, subscription finance, SBA/USDA, EXIM, trade, and acquisition finance), commercial real estate loans, residential mortgages, and consumer loans.
In addition to core banking, BankUnited provides loan servicing, deposit and EFT transaction processing, cloud-based data storage, online banking, and IT/ERP infrastructure services. It serves customers through banking centers across Florida counties, the New York metropolitan area, and Dallas, Texas.
As a mid-cap regional bank in the Financials sector, BankUnited follows the standard U.S. bank holding company model, generating revenue primarily from net interest income on its loan and securities portfolios, supplemented by deposit service fees and treasury management products aimed at both retail and business clients.
- Net interest margin compresses as Fed cuts rates
- Florida commercial real estate loans face credit risk
- Deposit costs rise amid regional banking competition
| Net Income: 273.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -942.9%; Δ -100.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 371.6m > Net Income 273.7m |
| Net Debt (-7.45b) to EBITDA (191.8m): -38.83 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (77.0m) vs 12m ago 3.46% < -2% |
| Gross Margin: 44.85% > 18% (prev 51.11%; Δ -6.26% > 0.5%) |
| Asset Turnover: 5.30% > 50% (prev 5.52%; Δ -0.21% > 0%) |
| Interest Coverage Ratio: 0.25 > 6 (EBIT TTM 183.3m / Interest Expense TTM 731.4m) |
| A: -0.56 (Total Current Assets 9.69b - Total Current Liabilities 29.1b) / Total Assets 34.9b |
| B: 0.09 (Retained Earnings 3.06b / Total Assets 34.9b) |
| C: 0.01 (EBIT TTM 183.3m / Avg Total Assets 35.2b) |
| D: 0.09 (Book Value of Equity 3.00b / Total Liabilities 31.9b) |
| Altman-Z'' = -3.24 = D |
As of August 22, 2026, the stock is trading at USD 46.33 with a total of 281,971 shares traded. Over the past week, the price has changed by -4.16%, over one month by -3.62%, over three months by +0.69% and over the past year by +29.31%.
Current recommended Stop Loss: 45.00 (which is 2.9% or 1.3 ATR below the current price).
BankUnited has received a consensus analysts rating of 3.64. Therefore, it is recommended to hold BKU.
- StrongBuy: 4
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 50.3 | 8.5% |
P/E Trailing = 13.2802
P/E Forward = 11.3766
P/S = 3.2955
P/B = 1.1465
P/EG = 0.2738
Revenue TTM = 1.87b USD
EBIT TTM = 183.3m USD
EBITDA TTM = 191.8m USD
Long Term Debt = 1.93b USD (from longTermDebt, last quarter)
Short Term Debt = 265.0m USD (from shortTermDebt, last quarter)
Debt = 2.24b USD (from shortLongTermDebtTotal, last quarter) + Leases 21.8m
Net Debt = -7.45b USD (calculated: Debt 2.24b - CCE 9.69b)
Enterprise Value = 3.44b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.25 (Ebit TTM 183.3m / Interest Expense TTM 731.4m)
EV/FCF = 9.27x (Enterprise Value 3.44b / FCF TTM 371.6m)
FCF Yield = 10.79% (FCF TTM 371.6m / Enterprise Value 3.44b)
FCF Margin = 19.92% (FCF TTM 371.6m / Revenue TTM 1.87b)
Net Margin = 14.67% (Net Income TTM 273.7m / Revenue TTM 1.87b)
Gross Margin = 44.85% ((Revenue TTM 1.87b - Cost of Revenue TTM 1.03b) / Revenue TTM)
Gross Margin QoQ = 11.60% (prev 55.74%)
Tobins Q-Ratio = 0.10 (Enterprise Value 3.44b / Total Assets 34.9b)
Interest Expense / Debt = 32.71% (Interest Expense 731.4m / Debt 2.24b)
Taxrate = 25.10% (90.2m / 359.4m)
NOPAT = 137.3m (EBIT 183.3m * (1 - 25.10%))
Current Ratio = 0.33 (Total Current Assets 9.69b / Total Current Liabilities 29.1b)
Debt / Equity = 0.74 (Debt 2.24b / totalStockholderEquity, last quarter 3.00b)
Debt / EBITDA = -38.83 (Net Debt -7.45b / EBITDA 191.8m)
Debt / FCF = -20.05 (Net Debt -7.45b / FCF TTM 371.6m)
Total Stockholder Equity = 3.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.78% (Net Income 273.7m / Total Assets 34.9b)
RoE = 9.04% (Net Income TTM 273.7m / Total Stockholder Equity 3.03b)
RoCE = 3.70% (EBIT 183.3m / Capital Employed (Equity 3.03b + L.T.Debt 1.93b))
RoIC = 2.32% (NOPAT 137.3m / Invested Capital 5.91b)
WACC = 15.31% (E(3.44b)/V(5.68b) * Re(9.34%) + D(2.24b)/V(5.68b) * Rd(32.71%) * (1-Tc(0.25)))
Discount Rate = 9.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.21 | Cagr: 1.98%
[DCF] Terminal Value 55.34% ; FCFF base≈369.2m ; Y1≈375.8m ; Y5≈409.0m
[DCF] Fair Price = 145.3 (EV 2.90b - Net Debt -7.45b = Equity 10.4b / Shares 71.2m; r=15.31% [WACC]; 5y FCF grow 1.64% → 2.50% )
EPS Correlation: 78.90 | EPS CAGR: 18.30% | SUE: -0.56 | # QB: 0
Revenue Correlation: 38.62 | Revenue CAGR: 2.08% | SUE: -0.18 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.06 | Chg30d=-5.51% | Revisions=-44% | Analysts=9
EPS current Year (2026-12-31): EPS=3.90 | Chg30d=-4.50% | Revisions=-50% | GrowthEPS=+0.0% | GrowthRev=+5.6%
EPS next Year (2027-12-31): EPS=4.47 | Chg30d=-2.32% | Revisions=-55% | GrowthEPS=+14.6% | GrowthRev=+5.3%
[Analyst] Revisions Ratio: -62% (up=3, down=18)