(BKU) BankUnited - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US06652K1034

Commercial Loans, Deposits, Treasury Services, Cash Management, Online Banking

Regional Banks
Market Cap in USD: 3,414m

IPO / Inception: 2011-01-28
12m vs SPY: 2.57%

EPS (Earnings per Share)

EPS CAGR: -10.33%
EPS Trend: -23.3%

Last SUE: 0.35
Qual. Beats: 0

Revenue

Rev. CAGR: 28.33%
Rev. Trend: 83.7%

Last SUE: 1.28
Qual. Beats: 1

Dividends

Dividend Yield	4.17%
Yield on Cost 5y	3.75%
Yield CAGR 5y	7.31%
Payout Consistency	95.8%
Payout Ratio	35.1%

Risk via 5d forecast
Volatility	30.4%
Value at Risk 5%th	46.5%
Relative Tail Risk	-7.15%

Reward TTM
Sharpe Ratio	0.61
Alpha	2.00
CAGR/Max DD	0.26

Character TTM
Hurst Exponent	0.478
Beta	1.183
Beta Downside	1.319

Drawdowns 3y
Max DD	58.46%
Mean DD	20.31%
Median DD	18.88%

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) 3.5

Net Income (264.0m TTM) > 0 and > 6% of Revenue (6% = 129.8m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.32pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1257 % (prev -880.5%; Δ -376.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 419.3m > Net Income 264.0m (YES >=105%, WARN >=100%)

Net Debt (1.84b) to EBITDA (406.0m) ratio: 4.53 <= 3.0 (WARN <= 3.5)

Current Ratio 0.05 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (74.4m) change vs 12m ago -0.15% (target <= -2.0% for YES)

Gross Margin 47.40% (prev 45.29%; Δ 2.12pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.11% (prev 5.68%; Δ 0.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.42 (EBITDA TTM 406.0m / Interest Expense TTM 849.7m) >= 6 (WARN >= 3)

Altman Z'' -4.65

(A) -0.77 = (Total Current Assets 1.44b - Total Current Liabilities 28.62b) / Total Assets 35.08b

(B) 0.08 = Retained Earnings (Balance) 2.93b / Total Assets 35.08b

(D) 0.08 = Book Value of Equity 2.72b / Total Liabilities 32.04b

Total Rating: -4.65 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 58.49

1. Piotroski 3.50pt

2. FCF Yield 9.58%

3. FCF Margin 19.38%

4. Debt/Equity 0.79

5. Debt/Ebitda 4.53

6. ROIC - WACC (= -4.16)%

7. RoE 9.03%

8. Rev. Trend 83.71%

9. EPS Trend -23.34%

What is the price of BKU shares?

As of January 16, 2026, the stock is trading at USD 45.20 with a total of 1,100,997 shares traded.
Over the past week, the price has changed by +2.86%, over one month by +2.46%, over three months by +20.63% and over the past year by +21.19%.

Is BKU a buy, sell or hold?

BankUnited has received a consensus analysts rating of 3.40. Therefor, it is recommend to hold BKU.

Strong Buy: 2
Buy: 1
Hold: 6
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the BKU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	47.2	4.4%
Analysts Target Price	47.2	4.4%
ValueRay Target Price	47.7	5.5%

BKU Fundamental Data Overview January 11, 2026

P/E Trailing = 12.822
P/E Forward = 12.0192
P/S = 3.3598
P/B = 1.1325
P/EG = 0.2775
Revenue TTM = 2.16b USD
EBIT TTM = 360.5m USD
EBITDA TTM = 406.0m USD
Long Term Debt = 2.38b USD (from longTermDebt, last quarter)
Short Term Debt = 2.25b USD (from shortTermDebt, two quarters ago)
Debt = 2.40b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.84b USD (from netDebt column, last quarter)
Enterprise Value = 4.38b USD (3.41b + Debt 2.40b - CCE 1.44b)
Interest Coverage Ratio = 0.42 (Ebit TTM 360.5m / Interest Expense TTM 849.7m)
EV/FCF = 10.44x (Enterprise Value 4.38b / FCF TTM 419.3m)
FCF Yield = 9.58% (FCF TTM 419.3m / Enterprise Value 4.38b)
FCF Margin = 19.38% (FCF TTM 419.3m / Revenue TTM 2.16b)
Net Margin = 12.20% (Net Income TTM 264.0m / Revenue TTM 2.16b)
Gross Margin = 47.40% ((Revenue TTM 2.16b - Cost of Revenue TTM 1.14b) / Revenue TTM)
Gross Margin QoQ = 37.85% (prev 53.62%)
Tobins Q-Ratio = 0.12 (Enterprise Value 4.38b / Total Assets 35.08b)
Interest Expense / Debt = 8.45% (Interest Expense 202.8m / Debt 2.40b)
Taxrate = 27.89% (26.1m / 93.5m)
NOPAT = 259.9m (EBIT 360.5m * (1 - 27.89%))
Current Ratio = 0.05 (Total Current Assets 1.44b / Total Current Liabilities 28.62b)
Debt / Equity = 0.79 (Debt 2.40b / totalStockholderEquity, last quarter 3.03b)
Debt / EBITDA = 4.53 (Net Debt 1.84b / EBITDA 406.0m)
Debt / FCF = 4.39 (Net Debt 1.84b / FCF TTM 419.3m)
Total Stockholder Equity = 2.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 264.0m / Total Assets 35.08b)
RoE = 9.03% (Net Income TTM 264.0m / Total Stockholder Equity 2.92b)
RoCE = 6.80% (EBIT 360.5m / Capital Employed (Equity 2.92b + L.T.Debt 2.38b))
RoIC = 4.38% (NOPAT 259.9m / Invested Capital 5.93b)
WACC = 8.55% (E(3.41b)/V(5.81b) * Re(10.27%) + D(2.40b)/V(5.81b) * Rd(8.45%) * (1-Tc(0.28)))
Discount Rate = 10.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.63%
[DCF Debug] Terminal Value 69.59% ; FCFF base≈376.4m ; Y1≈267.0m ; Y5≈142.3m
Fair Price DCF = 8.43 (EV 2.47b - Net Debt 1.84b = Equity 633.3m / Shares 75.1m; r=8.55% [WACC]; 5y FCF grow -34.13% → 2.90% )
[DCF Warning] FCF declining rapidly (-34.13%), DCF may be unreliable
EPS Correlation: -23.34 | EPS CAGR: -10.33% | SUE: 0.35 | # QB: 0
Revenue Correlation: 83.71 | Revenue CAGR: 28.33% | SUE: 1.28 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.84 | Chg30d=+0.007 | Revisions Net=+1 | Analysts=9
EPS next Year (2026-12-31): EPS=3.63 | Chg30d=+0.020 | Revisions Net=+2 | Growth EPS=+3.4% | Growth Revenue=+5.9%

Additional Sources for BKU Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle