(BKU) BankUnited - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.559m USD | Total Return: 45.1% in 12m
Avg Turnover: 27.5M
EPS Trend: 48.8%
Qual. Beats: -1
Rev. Trend: 83.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
BankUnited, Inc. (BKU) is a national bank holding company headquartered in Miami Lakes, Florida, primarily serving commercial and individual clients in Florida, the New York metropolitan area, and Dallas, Texas. The company provides a diversified suite of financial services, including treasury management, commercial lending, and residential mortgages. Its business model focuses on regional density, leveraging physical banking centers to capture deposits that fund a broad portfolio of secured and unsecured credit facilities.
As a regional bank, BankUnited operates within a sector where profitability is heavily influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. The company integrates vertical technology solutions, such as cloud-based data storage and ERP systems, to manage loan servicing and transaction processing. For a deeper look into these financial metrics, you may find ValueRays analytical tools useful for your due diligence.
The institution maintains a heavy emphasis on commercial real estate and equipment financing, which are core components of the regional banking landscape in the United States. Incorporated in 2009, the firm has evolved from its origins as BU Financial Corporation to a specialized provider of small business administration loans and export-import financing.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate loan concentration in New York and Florida markets
- Deposit beta management impacts net interest income and profitability
- Operational efficiency improvements through cloud-based technology infrastructure investment
- Regional economic growth trends in Florida and Texas drive loan demand
| Net Income: 271.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.08 > 1.0 |
| NWC/Revenue: -82.02% < 20% (prev -934.2%; Δ 852.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 360.5m > Net Income 271.8m |
| Net Debt (2.08b) to EBITDA (404.7m): 5.15 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (77.0m) vs 12m ago 3.46% < -2% |
| Gross Margin: 50.34% > 18% (prev 49.05%; Δ 1.29% > 0.5%) |
| Asset Turnover: 6.05% > 50% (prev 5.69%; Δ 0.36% > 0%) |
| Interest Coverage Ratio: 0.47 > 6 (EBIT TTM 359.0m / Interest Expense TTM 767.9m) |
| A: -0.05 (Total Current Assets 13.3m - Total Current Liabilities 1.75b) / Total Assets 35.4b |
| B: 0.09 (Retained Earnings 3.01b / Total Assets 35.4b) |
| C: 0.01 (EBIT TTM 359.0m / Avg Total Assets 35.1b) |
| D: 0.09 (Book Value of Equity 3.02b / Total Liabilities 32.3b) |
| Altman-Z'' = 0.12 = B |
As of June 20, 2026, the stock is trading at USD 47.54 with a total of 960,557 shares traded.
Over the past week, the price has changed by -2.26%,
over one month by +4.35%,
over three months by +12.43% and
over the past year by +45.07%.
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 | 52.7 | 10.9% |
P/E Trailing = 13.676
P/E Forward = 11.1483
P/S = 3.4412
P/B = 1.1801
P/EG = 0.2738
Revenue TTM = 2.12b USD
EBIT TTM = 359.0m USD
EBITDA TTM = 404.7m USD
Long Term Debt = 2.05b USD (from longTermDebt, last quarter)
Short Term Debt = 1.75b USD (from shortTermDebt, last quarter)
Debt = 2.10b USD (from shortLongTermDebtTotal, last quarter) + Leases 22.3m
Net Debt = 2.08b USD (calculated: Debt 2.10b - CCE 13.3m)
Enterprise Value = 5.64b USD (3.56b + Debt 2.10b - CCE 13.3m)
Interest Coverage Ratio = 0.47 (Ebit TTM 359.0m / Interest Expense TTM 767.9m)
EV/FCF = 15.65x (Enterprise Value 5.64b / FCF TTM 360.5m)
FCF Yield = 6.39% (FCF TTM 360.5m / Enterprise Value 5.64b)
FCF Margin = 16.98% (FCF TTM 360.5m / Revenue TTM 2.12b)
Net Margin = 12.80% (Net Income TTM 271.8m / Revenue TTM 2.12b)
Gross Margin = 50.34% ((Revenue TTM 2.12b - Cost of Revenue TTM 1.05b) / Revenue TTM)
Gross Margin QoQ = 55.74% (prev 61.01%)
Tobins Q-Ratio = 0.16 (Enterprise Value 5.64b / Total Assets 35.4b)
Interest Expense / Debt = 36.62% (Interest Expense 767.9m / Debt 2.10b)
Taxrate = 25.53% (91.7m / 359.0m)
NOPAT = 267.3m (EBIT 359.0m * (1 - 25.53%))
Current Ratio = 0.01 (Total Current Assets 13.3m / Total Current Liabilities 1.75b)
Debt / Equity = 0.70 (Debt 2.10b / totalStockholderEquity, last quarter 3.02b)
Debt / EBITDA = 5.15 (Net Debt 2.08b / EBITDA 404.7m)
Debt / FCF = 5.78 (Net Debt 2.08b / FCF TTM 360.5m)
Total Stockholder Equity = 3.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 271.8m / Total Assets 35.4b)
RoE = 9.02% (Net Income TTM 271.8m / Total Stockholder Equity 3.01b)
RoCE = 7.09% (EBIT 359.0m / Capital Employed (Equity 3.01b + L.T.Debt 2.05b))
RoIC = 0.76% (NOPAT 267.3m / Invested Capital 35.3b)
WACC = 16.05% (E(3.56b)/V(5.66b) * Re(9.43%) + D(2.10b)/V(5.66b) * Rd(36.62%) * (1-Tc(0.26)))
Discount Rate = 9.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.83 | Cagr: 2.09%
[DCF] Terminal Value 52.06% ; FCFF base≈369.8m ; Y1≈352.6m ; Y5≈336.7m
[DCF] Fair Price = 3.34 (EV 2.33b - Net Debt 2.08b = Equity 242.5m / Shares 72.7m; r=16.05% [WACC]; 5y FCF grow -6.03% → 2.50% )
EPS Correlation: 48.77 | EPS CAGR: 10.78% | SUE: -2.50 | # QB: -1
Revenue Correlation: 83.00 | Revenue CAGR: 5.91% | SUE: 0.45 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.02 | Chg30d=-0.11% | Revisions=+17% | Analysts=9
EPS next Quarter (2026-09-30): EPS=1.13 | Chg30d=+0.20% | Revisions=+67% | Analysts=9
EPS current Year (2026-12-31): EPS=4.11 | Chg30d=+0.11% | Revisions=-45% | GrowthEPS=+0.0% | GrowthRev=+7.4%
EPS next Year (2027-12-31): EPS=4.58 | Chg30d=+0.36% | Revisions=-9% | GrowthEPS=+11.5% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: +67%