BankUnited, Inc.
- Open
- 48.41
- Day high
- 49.05
- Day low
- 48.05
- Prev close
- 48.45
- Volume
- 526K
- Mkt cap
- $3.5B
- P/E (TTM)
- 13.5
- EPS (TTM)
- $3.59
- P/B
- 1.2
- P/S
- 1.7
- Yield
- 2.59%
- Per share
- $1.26
- ▼Insiders net selling -$241K over the last 3 months (0 open-market buys, 2 sales)
- 🏛Institutions mixed (13F)
BankUnited, Inc. (BKU) is a Financial Services company listed on NYSE. The stock is up 32% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 2 sales (SEC Form 4).
BankUnited, Inc. (BKU) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 3 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
BKU earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | $0.97 | $0.83 | -14.4% | $274M | -3.7% |
| Jan 28, 2026 | $0.84 | $0.91 | +8.3% | $472M | — |
| Oct 22, 2025 | $0.88 | $0.95 | +7.5% | $520M | +85.5% |
| Jul 23, 2025 | $0.79 | $0.91 | +15.2% | $274M | -1.2% |
| Jan 22, 2025 | $0.69 | $0.91 | +31.9% | $264M | +0.8% |
| Oct 22, 2024 | $0.74 | $0.81 | +9.5% | $257M | -1.5% |
| Jul 18, 2024 | $0.65 | $0.72 | +10.8% | $250M | +2.7% |
| Apr 17, 2024 | $0.60 | $0.64 | +6.7% | $242M | -1.6% |
| Jan 26, 2024 | $0.72 | $0.72 | +0.0% | $234M | -4.1% |
| Oct 19, 2023 | $0.71 | $0.63 | -11.3% | $243M | +1.4% |
| Jul 25, 2023 | $0.78 | $0.78 | +0.0% | $239M | -2.3% |
| Jan 19, 2023 | $1.08 | $0.82 | -24.1% | $270M | +0.2% |
BKU insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 16, 2026 | Richards Jay D.officer: Officer of Subsidiary | Sell | 4,000 | $48.67 |
| Jun 2, 2026 | DiGiacomo John N.director | Sell | 1,000 | $45.97 |
| May 21, 2026 | PAULS DOUGLAS Jdirector | Grant | 2,267 | — |
| May 21, 2026 | Blanca Teredirector | Grant | 1,511 | — |
| May 21, 2026 | DiGiacomo John N.director | Grant | 1,511 | — |
| May 21, 2026 | DOWLING MICHAEL J.director | Grant | 1,511 | — |
| May 21, 2026 | Rubenstein William S.director | Grant | 1,511 | — |
| May 21, 2026 | SOBTI SANJIVdirector | Grant | 1,511 | — |
| May 21, 2026 | Wines Lynnedirector | Grant | 1,511 | — |
| May 21, 2026 | Smith-Baugh Germainedirector | Grant | 1,511 | — |
| Apr 2, 2026 | Cornish Thomas M.officer: Chief Operating Officer | Grant | 14,740 | — |
| Apr 2, 2026 | Singh Rajinder Pdirector, officer, other: President and CEO | Grant | 33,423 | — |
| Apr 2, 2026 | Mackey James G.officer: Chief Financial Officer | Grant | 8,858 | — |
| Apr 2, 2026 | Bansal Rishiofficer: Officer of Subsidiary | Grant | 8,690 | — |
| Mar 11, 2026 | Bansal Rishiofficer: Officer of Subsidiary | Option | 32,504 | — |
Source: BKU SEC Form 4 filings, latest Jun 16, 2026. For informational purposes only — not investment advice.
See the full BKU insider & 13F page →BankUnited, Inc. company profile
Overview
BankUnited, Inc. (NYSE:BKU) is a regional bank holding company headquartered in Miami Lakes, Florida. The company was incorporated in 2009 following the failure of the original BankUnited bank during the 2008 financial crisis, which was subsequently acquired by a private equity consortium and recapitalized. BankUnited went public in 2011 and has since grown to become a significant regional banking institution serving customers primarily in Florida and the New York metropolitan area through its network of 67 banking centers.
Business
BankUnited operates as a traditional regional bank, providing comprehensive banking services to both commercial and retail customers. The company operates in the highly regulated banking industry, where institutions accept deposits from customers and use those funds to make loans, earning profit from the difference between interest paid on deposits and interest earned on loans (known as net interest margin). The bank's core services include deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. On the lending side, BankUnited offers a diversified loan portfolio consisting of several key segments: 1. Commercial and Industrial (C&I) loans - These include equipment financing, secured and unsecured lines of credit, formula-based loans, and business acquisition financing. This segment represents the bank's focus on serving business customers with working capital and expansion needs. 2. Commercial Real Estate (CRE) loans - Owner-occupied commercial real estate term loans and lines of credit for businesses that own their operating premises. The bank also has exposure to office buildings, though this represents a smaller portion of the portfolio at approximately $1.8 billion. 3. Residential mortgages - Home loans to individual consumers, though the bank has been strategically reducing this segment in recent years to improve profitability. 4. Mortgage warehouse lending - Specialized financing to mortgage originators who need short-term funding while they process and sell mortgages to investors. 5. Consumer loans and other specialty financing - Including franchise financing and equipment leasing. The bank also provides treasury services, cash management, and trade finance solutions to commercial clients. BankUnited offers digital banking services through online and mobile platforms, complementing its physical branch network.
Revenue model
BankUnited generates revenue primarily through traditional banking activities, operating on the fundamental banking model of borrowing money at lower rates and lending it at higher rates. The company's primary revenue streams include: Net Interest Income represents the largest portion of revenue, earned from the spread between interest collected on loans and interest paid on deposits and other funding sources. The bank's net interest margin has been improving, reaching 2.81% in Q1 2025, with management targeting over 3% longer-term. This improvement reflects the bank's strategic shift toward higher-yielding commercial loans and away from lower-margin residential mortgages. Fee Income comes from various banking services including cash management, treasury services, loan origination fees, and other service charges. While smaller than interest income, these fees provide valuable non-interest revenue that helps offset operating expenses. The bank's profitability is influenced by several key factors. Interest rate environment significantly impacts margins - rising rates generally benefit banks by increasing loan yields faster than deposit costs, though this relationship can reverse during rate cuts. Credit quality directly affects profitability through loan loss provisions and charge-offs, with the bank maintaining relatively low credit losses historically. Competition for deposits affects funding costs, as banks compete for customer deposits by offering higher rates, which can compress margins. Regulatory requirements mandate minimum capital levels and compliance costs that impact profitability. Economic conditions influence loan demand, credit quality, and overall banking activity, with recessions typically reducing loan growth and increasing credit losses. BankUnited's customers include small to medium-sized businesses, commercial real estate developers, mortgage originators, and individual consumers. The bank has been strategically focusing on commercial relationships, which typically provide higher margins and additional fee income opportunities compared to residential lending.
Competitive moat
BankUnited operates in the highly competitive regional banking sector, where traditional moats are relatively narrow. The bank's competitive advantages are primarily based on local market knowledge and relationships, particularly in South Florida where it has operated for over a decade and built strong commercial banking relationships. The bank's focus on specific niches like mortgage warehouse lending provides some specialized expertise, though this market has multiple capable competitors. The company's deposit franchise represents its most significant moat, as customer relationships in banking tend to be sticky due to the inconvenience of switching banks and the trust required in financial relationships. BankUnited has been successful in growing non-interest bearing demand deposits, which provide low-cost funding and demonstrate customer loyalty. However, the bank faces significant competitive pressures that limit its moat strength. Large national banks can offer more comprehensive services, better technology platforms, and more competitive pricing due to their scale advantages. Fintech companies are increasingly competing for both deposits (through high-yield online savings accounts) and lending (through alternative lending platforms). Other regional banks compete directly for the same customer segments in overlapping markets. The banking industry's commoditized nature means that products and services are largely similar across institutions, making differentiation challenging. Regulatory requirements also limit banks' ability to innovate rapidly or take unique approaches to risk management. BankUnited's moat is therefore relatively weak, relying primarily on execution excellence, relationship management, and local market presence rather than any unique structural advantages.
Risks & safety
BankUnited maintains a moderate margin of safety profile typical of regional banks, with some areas of strength and others requiring attention. • Capital Position: Strong with tangible common equity ratio of 7.6% and CET1 ratio of 11.4%, well above regulatory minimums • Liquidity: Adequate with $444 million in cash and short-term investments, though loan-to-deposit ratio of 87.6% indicates moderate liquidity pressure • Credit Quality: Historically strong with low charge-offs at 6-9 basis points annually and non-performing assets at 37-42 basis points • Debt Levels: Moderate leverage with debt-to-equity ratio of 1.07, typical for banking institutions • Profitability Metrics: ROE of 8.8% and ROA of 0.69% demonstrate reasonable profitability • Valuation: Trading at P/E of 10.9x and P/B of 0.88x, suggesting reasonable valuation relative to book value • Dividend Coverage: Sustainable dividend with recent increase, supported by consistent earnings • Interest Rate Risk: Moderate exposure to rate changes, though asset-sensitive position should benefit from higher rates • Concentration Risk: Geographic concentration in Florida and some exposure to office CRE ($1.8 billion) present moderate risks
Recent development
Over the past several years, BankUnited has undergone a significant strategic transformation focused on improving profitability and balance sheet composition. The bank has been systematically reducing its residential mortgage portfolio while growing higher-margin commercial and industrial (C&I) and commercial real estate (CRE) lending. This shift has contributed to meaningful improvements in key metrics, with net interest margin expanding from 2.56% to 2.81% and return on equity improving from 7.3% to 8.8%. The company has pursued selective geographic expansion, launching operations in Atlanta and opening a branch in Dallas to diversify beyond its traditional Florida markets. This expansion has been measured and relationship-focused rather than aggressive branch building. Deposit strategy has been a key focus, with management successfully growing non-interest bearing demand deposits while reducing reliance on more expensive brokered deposits. The bank reduced brokered deposits from $5.2 billion to $4.7 billion in Q1 2025 while growing core deposits by $719 million. Recent operational improvements include hiring experienced executives like Beth Hosen from JPMorgan to strengthen commercial banking capabilities. The bank has also invested in technology and digital banking platforms to compete more effectively with larger institutions. Capital allocation has evolved with management pausing share buybacks in 2025 due to economic uncertainty while maintaining dividend growth. The bank is holding excess capital as a buffer against potential economic headwinds while positioning for growth opportunities when conditions improve.
BKU company profile · for informational purposes only — not investment advice.
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