(BKU) BankUnited - Overview
Stock: Commercial Loans, Deposits, Treasury Services, Cash Management, Online Banking
| Risk 5d forecast | |
|---|---|
| Volatility | 35.3% |
| Relative Tail Risk | -9.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.69 |
| Alpha | 9.18 |
| Character TTM | |
|---|---|
| Beta | 1.175 |
| Beta Downside | 1.301 |
| Drawdowns 3y | |
|---|---|
| Max DD | 54.91% |
| CAGR/Max DD | 0.26 |
EPS (Earnings per Share)
Revenue
Description: BKU BankUnited January 11, 2026
BankUnited, Inc. (NYSE: BKU) is the holding company for BankUnited, a national banking association that delivers a full suite of deposit and loan products-including checking, money-market, savings accounts, CDs, and a broad array of commercial and consumer loans-through a network of branches concentrated in Florida, the New York metropolitan area, and Dallas, Texas.
The loan book spans commercial equipment financing, secured and unsecured lines of credit, formula-based credit facilities, owner-occupied CRE term loans, mortgage-warehouse lines, SBA and USDA loan programs, export-import financing, and residential mortgages. In Q2 2024 the bank reported a loan portfolio of roughly $7.2 billion, up about 5 % year-over-year, while deposits grew 4 % to approximately $9.5 billion, supporting a net interest margin of 3.4 % and a CET1 capital ratio of 11.8 %.
Key drivers for BKU include the regional interest-rate environment-higher Fed rates have boosted net interest income but also raise funding costs-and the health of the Florida real-estate market, which influences both residential mortgage demand and commercial-property exposure. For a deeper quantitative breakdown, you may find the ValueRay platform useful for extending this analysis.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 268.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.31 > 1.0 |
| NWC/Revenue: -237.2% < 20% (prev -1352 %; Δ 1115 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 419.3m > Net Income 268.4m |
| Net Debt (1.66b) to EBITDA (393.1m): 4.21 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (77.0m) vs 12m ago 3.59% < -2% |
| Gross Margin: 49.49% > 18% (prev 0.47%; Δ 4901 % > 0.5%) |
| Asset Turnover: 6.10% > 50% (prev 5.74%; Δ 0.35% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBITDA TTM 393.1m / Interest Expense TTM 805.2m) |
Altman Z'' -0.52
| A: -0.15 (Total Current Assets 24.27b - Total Current Liabilities 29.35b) / Total Assets 35.04b |
| B: 0.08 (Retained Earnings 2.97b / Total Assets 35.04b) |
| C: 0.01 (EBIT TTM 357.3m / Avg Total Assets 35.14b) |
| D: 0.09 (Book Value of Equity 2.78b / Total Liabilities 31.99b) |
| Altman-Z'' Score: -0.52 = B |
What is the price of BKU shares?
Over the past week, the price has changed by -4.32%, over one month by +9.68%, over three months by +23.96% and over the past year by +24.76%.
Is BKU a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 6
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the BKU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53.6 | 10.1% |
| Analysts Target Price | 53.6 | 10.1% |
| ValueRay Target Price | 52.4 | 7.5% |
BKU Fundamental Data Overview February 13, 2026
P/E Forward = 11.7233
P/S = 3.6125
P/B = 1.2102
P/EG = 0.2775
Revenue TTM = 2.14b USD
EBIT TTM = 357.3m USD
EBITDA TTM = 393.1m USD
Long Term Debt = 319.7m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 1.87b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.66b USD (from netDebt column, last quarter)
Enterprise Value = 5.36b USD (3.70b + Debt 1.87b - CCE 217.8m)
Interest Coverage Ratio = 0.44 (Ebit TTM 357.3m / Interest Expense TTM 805.2m)
EV/FCF = 12.79x (Enterprise Value 5.36b / FCF TTM 419.3m)
FCF Yield = 7.82% (FCF TTM 419.3m / Enterprise Value 5.36b)
FCF Margin = 19.57% (FCF TTM 419.3m / Revenue TTM 2.14b)
Net Margin = 12.53% (Net Income TTM 268.4m / Revenue TTM 2.14b)
Gross Margin = 49.49% ((Revenue TTM 2.14b - Cost of Revenue TTM 1.08b) / Revenue TTM)
Gross Margin QoQ = 61.01% (prev 37.85%)
Tobins Q-Ratio = 0.15 (Enterprise Value 5.36b / Total Assets 35.04b)
Interest Expense / Debt = 9.82% (Interest Expense 184.2m / Debt 1.87b)
Taxrate = 22.91% (20.6m / 89.8m)
NOPAT = 275.5m (EBIT 357.3m * (1 - 22.91%))
Current Ratio = 0.83 (Total Current Assets 24.27b / Total Current Liabilities 29.35b)
Debt / Equity = 0.61 (Debt 1.87b / totalStockholderEquity, last quarter 3.05b)
Debt / EBITDA = 4.21 (Net Debt 1.66b / EBITDA 393.1m)
Debt / FCF = 3.95 (Net Debt 1.66b / FCF TTM 419.3m)
Total Stockholder Equity = 2.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 268.4m / Total Assets 35.04b)
RoE = 8.99% (Net Income TTM 268.4m / Total Stockholder Equity 2.98b)
RoCE = 10.82% (EBIT 357.3m / Capital Employed (Equity 2.98b + L.T.Debt 319.7m))
RoIC = 4.78% (NOPAT 275.5m / Invested Capital 5.76b)
WACC = 9.34% (E(3.70b)/V(5.58b) * Re(10.24%) + D(1.87b)/V(5.58b) * Rd(9.82%) * (1-Tc(0.23)))
Discount Rate = 10.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.35%
[DCF Debug] Terminal Value 66.31% ; FCFF base≈376.4m ; Y1≈267.0m ; Y5≈142.3m
Fair Price DCF = 7.23 (EV 2.19b - Net Debt 1.66b = Equity 535.8m / Shares 74.1m; r=9.34% [WACC]; 5y FCF grow -34.13% → 2.90% )
EPS Correlation: 1.21 | EPS CAGR: 2.09% | SUE: 0.25 | # QB: 0
Revenue Correlation: 74.93 | Revenue CAGR: 18.46% | SUE: 3.12 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.97 | Chg30d=+0.125 | Revisions Net=+6 | Analysts=8
EPS current Year (2026-12-31): EPS=4.22 | Chg30d=+0.587 | Revisions Net=+6 | Growth EPS=+0.0% | Growth Revenue=+8.7%
EPS next Year (2027-12-31): EPS=4.50 | Chg30d=+0.502 | Revisions Net=+4 | Growth EPS=+6.7% | Growth Revenue=+4.3%