BankUnited, Inc. logo

BankUnited, Inc.

BKU

NYSEFinancial ServicesBanks - Regional

Previous close

$46.33

+$0.12 · +0.26%

Aug 21, 4:00 PM ET

Pre-market

$45.66

−$0.67 · -1.45%

Aug 24, 6:03 AM ET

BKU company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

72

Undervalued

Momentum

45

Neutral

Sentiment

66

Bullish

Risk resilience

73

Moderate Risk

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Company profile

Company website

BankUnited, Inc. serves as the holding company for BankUnited, its national banking subsidiary, which delivers a comprehensive array of financial services throughout the United States. The company's product suite includes various deposit options such as checking, money market, and savings accounts, as well as certificates of deposit. It also extends services like treasury management, commercial payments, and cash management solutions. Its extensive loan portfolio covers diverse commercial financing, including equipment loans, both secured and unsecured lines of credit, formula-based lending, and financing for owner-occupied commercial real estate (term loans and lines). Other commercial offerings include mortgage warehouse facilities, letters of credit, commercial credit cards, and specialized funding through the Small Business Administration (SBA), U.S. Department of Agriculture (USDA), and Export-Import Bank (Ex-Im Bank). The bank also facilitates trade finance and credit facilities for business acquisitions. Beyond commercial lending, its services encompass general commercial real estate loans, residential mortgages, and a range of other consumer loans. For customer convenience, BankUnited also provides online, mobile, and telephone banking services. As of December 31, 2021, its operations were supported by 63 banking centers across 13 Florida counties and an additional four branches in the New York metropolitan area. BankUnited, Inc., which was formerly known as BU Financial Corporation, was incorporated in 2009 and has its headquarters in Miami Lakes, Florida.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Rajinder Singh
Listed since
Jan 28, 2011
Employees
1,785

Market position

Day range

Current $46.33

52-week range

Current $46.33

Open
$46.455
Previous close
$46.21
Volume
281.97K
0.33× average
Average volume
853.19K
Average daily volume
Market cap
3.37B USD
Beta
1.17
Market reference 1
50-day average
$47.7886
-3.05% below average
200-day average
$46.2283
+0.22% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
5.15B USD
P/E (TTM)
12.83×
P/B (TTM)
1.17×
P/S (TTM)
1.81×
EV / EBITDA
13.09×
Earnings yield
7.91%
Free cash flow yield
10.57%
Dividend yield
2.76%

Profitability & efficiency

Gross margin
44.85%
Operating margin
9.83%
Net margin
14.67%
Return on equity
8.79%
Return on assets
0.77%
Return on invested capital
0.77%

Financial health

Debt / equity
0.74×
Current ratio
15.41×
Altman Z-score
-0.41
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends99%67%34%1%Gross margin, FY2021: 91.16%Gross margin, FY2022: 69.98%Gross margin, FY2023: 44.90%Gross margin, FY2024: 47.34%Gross margin, FY2025: 49.49%Operating margin, FY2021: 41.09%Operating margin, FY2022: 28.68%Operating margin, FY2023: 12.19%Operating margin, FY2024: 15.63%Operating margin, FY2025: 16.68%Net margin, FY2021: 37.95%Net margin, FY2022: 21.79%Net margin, FY2023: 9.19%Net margin, FY2024: 11.48%Net margin, FY2025: 12.53%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.16%. Gross margin FY2022 69.98%. Gross margin FY2023 44.90%. Gross margin FY2024 47.34%. Gross margin FY2025 49.49%. Operating margin FY2021 41.09%. Operating margin FY2022 28.68%. Operating margin FY2023 12.19%. Operating margin FY2024 15.63%. Operating margin FY2025 16.68%. Net margin FY2021 37.95%. Net margin FY2022 21.79%. Net margin FY2023 9.19%. Net margin FY2024 11.48%. Net margin FY2025 12.53%.

Income trends

Revenue

2.14B USD+5.84%

Operating income

357.32M USD+12.95%

Net income

268.37M USD+15.44%
Income trends across reported periods2.34B USD1.55B USD767.8M USD−17.7M USDRevenue, FY2021: 1.09B USDRevenue, FY2022: 1.31B USDRevenue, FY2023: 1.94B USDRevenue, FY2024: 2.02B USDRevenue, FY2025: 2.14B USDOperating income, FY2021: 449.39M USDOperating income, FY2022: 375.13M USDOperating income, FY2023: 237.08M USDOperating income, FY2024: 316.35M USDOperating income, FY2025: 357.32M USDNet income, FY2021: 414.98M USDNet income, FY2022: 284.97M USDNet income, FY2023: 178.67M USDNet income, FY2024: 232.47M USDNet income, FY2025: 268.37M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.09B USD. Revenue FY2022 1.31B USD. Revenue FY2023 1.94B USD. Revenue FY2024 2.02B USD. Revenue FY2025 2.14B USD. Operating income FY2021 449.39M USD. Operating income FY2022 375.13M USD. Operating income FY2023 237.08M USD. Operating income FY2024 316.35M USD. Operating income FY2025 357.32M USD. Net income FY2021 414.98M USD. Net income FY2022 284.97M USD. Net income FY2023 178.67M USD. Net income FY2024 232.47M USD. Net income FY2025 268.37M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.14B USD2.02B USD1.94B USD1.31B USD1.09B USD
Cost of goods sold1.08B USD1.07B USD1.07B USD392.65M USD96.64M USD
Gross profit1.06B USD958.35M USD873.04M USD915.44M USD996.96M USD
Selling, general, and administrative532.7M USD351.75M USD347.49M USD283.55M USD262.23M USD
Operating expenses702.86M USD642M USD635.95M USD540.31M USD547.58M USD
Interest income2.24B USD1.93B USD1.86B USD1.23B USD959.45M USD
Interest expense805.21M USD1.01B USD983.78M USD317.49M USD163.76M USD
Depreciation and amortization35.81M USD60.11M USD74.06M USD77.62M USD78.5M USD
Operating income357.32M USD316.35M USD237.08M USD375.13M USD449.39M USD
Net income268.37M USD232.47M USD178.67M USD284.97M USD414.98M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+4.82%
11 comparable reports
Latest EPS result
0.97
Estimate 1 · Miss by 3.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.110.960.80.65Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.72, estimate 0.69, surprise +4.35%, Beat. Q2 2025, reported Apr 28, 2025: actual 0.78, estimate 0.746, surprise +4.56%, Beat. Q3 2025, reported Jul 23, 2025: actual 0.91, estimate 0.79, surprise +15.19%, Beat. Q4 2025, reported Oct 22, 2025: actual 0.95, estimate 0.884, surprise +7.47%, Beat. Q1 2026, reported Jan 21, 2026: actual 0.94, estimate 0.85, surprise +10.59%, Beat. Q2 2026, reported Apr 22, 2026: actual 0.83, estimate 0.954, surprise -13.00%, Miss. Q3 2026, reported Jul 22, 2026: actual 0.97, estimate 1, surprise -3.00%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 1.07, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates305.4M284.82M264.24M243.66MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 264.46M USD, estimate 261.04M USD, surprise +1.31%, Beat. Q2 2025, reported Apr 28, 2025: actual 255.41M USD, estimate 263.57M USD, surprise -3.10%, Miss. Q3 2025, reported Jul 23, 2025: actual 273.93M USD, estimate 267.05M USD, surprise +2.57%, Beat. Q4 2025, reported Oct 22, 2025: actual 275.68M USD, estimate 280.21M USD, surprise -1.62%, Miss. Q1 2026, reported Jan 21, 2026: actual 288.2M USD, estimate 280.07M USD, surprise +2.90%, Beat. Q2 2026, reported Apr 22, 2026: actual 273.69M USD, estimate 284.21M USD, surprise -3.70%, Miss. Q3 2026, reported Jul 22, 2026: actual 284.57M USD, estimate 290.33M USD, surprise -1.99%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 293.65M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$50.67

9.37% upside
Past 12 months12-month forecastHigh $54.00Average $50.67Low $48.00

Rating distribution

29 ratings
Strong buy00%
Buy931%
Hold1759%
Sell310%
Strong sell00%

BKU news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.22

2025 complete year+32.6% since 2021

2026 partial: $0.97

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 10, 2026

$0.33

Quarterly

Record Jul 10, 2026 · Payment Jul 31, 2026

Dividend

Ex-dividend Apr 10, 2026

$0.33

Quarterly

Record Apr 10, 2026 · Payment Apr 30, 2026

Dividend

Ex-dividend Jan 9, 2026

$0.31

Quarterly

Record Jan 9, 2026 · Payment Jan 30, 2026

Dividend

Ex-dividend Oct 10, 2025

$0.31

Quarterly

Record Oct 10, 2025 · Payment Oct 31, 2025

Dividend

Ex-dividend Jul 11, 2025

$0.31

Quarterly

Record Jul 11, 2025 · Payment Jul 31, 2025

Dividend

Ex-dividend Apr 11, 2025

$0.31

Quarterly

Record Apr 11, 2025 · Payment Apr 30, 2025

BKU peers

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