(BKU) BankUnited - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.506m USD | Total Return: 60.2% in 12m

Loans, Deposits, Banking, Finance, Processing
Total Rating 58
Safety 74
Buy Signal 0.58
Banks - Regional
Industry Rotation: +5.6
Market Cap: 3.51B
Avg Turnover: 39.0M USD
ATR: 2.78%
Peers RS (IBD): 78.1
Risk 5d forecast
Volatility32.6%
Rel. Tail Risk-11.2%
Reward TTM
Sharpe Ratio1.65
Alpha27.23
Character TTM
Beta1.174
Beta Downside1.636
Drawdowns 3y
Max DD31.22%
CAGR/Max DD1.11
EPS (Earnings per Share) EPS (Earnings per Share) of BKU over the last years for every Quarter: "2021-03": 1.06, "2021-06": 1.09, "2021-09": 0.96, "2021-12": 1.43, "2022-03": 0.87, "2022-06": 0.91, "2022-09": 1.14, "2022-12": 0.84, "2023-03": 0.83, "2023-06": 0.77, "2023-09": 0.62, "2023-12": 0.26, "2024-03": 0.63, "2024-06": 0.71, "2024-09": 0.81, "2024-12": 0.9, "2025-03": 0.77, "2025-06": 0.91, "2025-09": 0.95, "2025-12": 0.94,
EPS CAGR: 2.09%
EPS Trend: 1.2%
Last SUE: 0.25
Qual. Beats: 0
Revenue Revenue of BKU over the last years for every Quarter: 2021-03: 275.725, 2021-06: 274.558, 2021-09: 259.823, 2021-12: 283.495, 2022-03: 250.265, 2022-06: 280.423, 2022-09: 349.096, 2022-12: 428.303, 2023-03: 456.951, 2023-06: 488.908, 2023-09: 498.263, 2023-12: 500.297, 2024-03: 508.351, 2024-06: 507.483, 2024-09: 515.244, 2024-12: 493.193, 2025-03: 465.959, 2025-06: 481.589, 2025-09: 722.474, 2025-12: 472.396,
Rev. CAGR: 18.46%
Rev. Trend: 74.9%
Last SUE: 3.12
Qual. Beats: 2

Warnings

No concerns identified

Tailwinds

Garp

Description: BKU BankUnited

BankUnited, Inc. (BKU) operates as a bank holding company, providing diverse banking services across the United States. Its offerings include deposit products, commercial and consumer loans, and cash management services. The companys loan portfolio encompasses various commercial loans, commercial real estate loans, and residential mortgages. Regional banks typically focus on lending to small and medium-sized businesses and individuals within a defined geographic area.

BKU also provides technology-driven services such as loan servicing, data storage, and online banking. Its physical presence includes banking centers in Florida, the New York metropolitan area, and Dallas, Texas. The banking sector relies heavily on technology for efficient operations and customer service. To understand BKUs competitive landscape and financial health, further research on ValueRay is recommended.

Headlines to Watch Out For
  • Net interest income growth hinges on interest rate environment
  • Loan portfolio quality impacts credit loss provisions
  • Regulatory compliance costs affect profitability
  • Florida and New York real estate market health drives loan demand
  • Deposit growth and cost of funds influence net interest margin
Piotroski VR‑10 (Strict) 2.0
Net Income: 268.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.21 > 1.0
NWC/Revenue: 1.06k% < 20% (prev -1.35k%; Δ 2.41k% < -1%)
CFO/TA 0.01 > 3% & CFO 358.6m > Net Income 268.4m
Net Debt (1.76b) to EBITDA (393.1m): 4.47 < 3
Current Ratio: 15.41 > 1.5 & < 3
Outstanding Shares: last quarter (77.0m) vs 12m ago 3.59% < -2%
Gross Margin: 49.49% > 18% (prev 0.47%; Δ 4.90k% > 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'' 4.69
A: 0.65 (Total Current Assets 24.27b - Total Current Liabilities 1.58b) / 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: 4.69 = AA
What is the price of BKU shares? As of April 16, 2026, the stock is trading at USD 47.42 with a total of 669,762 shares traded.
Over the past week, the price has changed by +1.64%, over one month by +10.97%, over three months by +2.27% and over the past year by +60.23%.
Is BKU a buy, sell or hold? BankUnited has received a consensus analysts rating of 3.40. Therefor, it is recommend to hold BKU.
  • StrongBuy: 2
  • Buy: 1
  • Hold: 6
  • Sell: 1
  • StrongSell: 0
What are the forecasts/targets for the BKU price?
Analysts Target Price 53.6 13.1%
BankUnited (BKU) - Fundamental Data Overview as of 12 April 2026
P/E Trailing = 13.2181
P/E Forward = 10.02
P/S = 3.4197
P/B = 0.9694
P/EG = 0.2738
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 = 1.58b USD (from shortTermDebt, last quarter)
Debt = 1.97b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.76b USD (from netDebt column, last quarter)
Enterprise Value = 5.26b USD (3.51b + Debt 1.97b - CCE 217.8m)
Interest Coverage Ratio = 0.44 (Ebit TTM 357.3m / Interest Expense TTM 805.2m)
EV/FCF = 14.67x (Enterprise Value 5.26b / FCF TTM 358.6m)
FCF Yield = 6.82% (FCF TTM 358.6m / Enterprise Value 5.26b)
FCF Margin = 16.74% (FCF TTM 358.6m / 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 5.26b / Total Assets 35.04b)
Interest Expense / Debt = 9.33% (Interest Expense 184.2m / Debt 1.97b)
Taxrate = 22.91% (20.6m / 89.8m)
NOPAT = 275.5m (EBIT 357.3m * (1 - 22.91%))
Current Ratio = 15.41 (Total Current Assets 24.27b / Total Current Liabilities 1.58b)
Debt / Equity = 0.65 (Debt 1.97b / totalStockholderEquity, last quarter 3.05b)
Debt / EBITDA = 4.47 (Net Debt 1.76b / EBITDA 393.1m)
Debt / FCF = 4.90 (Net Debt 1.76b / FCF TTM 358.6m)
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 = 4.96% (NOPAT 275.5m / Invested Capital 5.55b)
WACC = 9.09% (E(3.51b)/V(5.48b) * Re(10.15%) + D(1.97b)/V(5.48b) * Rd(9.33%) * (1-Tc(0.23)))
Discount Rate = 10.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.35%
[DCF] Terminal Value 67.76% ; FCFF base≈388.7m ; Y1≈275.8m ; Y5≈147.4m
[DCF] Fair Price = 8.51 (EV 2.38b - Net Debt 1.76b = Equity 626.8m / Shares 73.6m; r=9.09% [WACC]; 5y FCF grow -34.13% → 3.0% )
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 (2026-06-30): EPS=1.02 | Chg7d=-0.002 | Chg30d=-0.004 | Revisions Net=+6 | Analysts=8
EPS current Year (2026-12-31): EPS=4.21 | Chg7d=-0.002 | Chg30d=-0.004 | Revisions Net=-1 | Growth EPS=+0.0% | Growth Revenue=+8.0%
EPS next Year (2027-12-31): EPS=4.55 | Chg7d=+0.000 | Chg30d=-0.002 | Revisions Net=+0 | Growth EPS=+8.1% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: +1.00 (6 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.6% (Discount Rate 10.2% - Earnings Yield 7.6%)
[Growth] Growth Spread = +4.6% (Analyst 7.2% - Implied 2.6%)
External Resources
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