BankUnited (BKU)
Market Price (12/30/2025): $44.34 | Market Cap: $3.3 BilSector: Financials | Industry: Regional Banks
BankUnited (BKU)
Market Price (12/30/2025): $44.34Market Cap: $3.3 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.0%, FCF Yield is 13% | Trading close to highsDist 52W High is -3.0%, Dist 3Y High is -3.0% | Key risksBKU key risks include [1] persistent challenges with loan growth, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -229% | Weak multi-year price returns3Y Excs Rtn is -29% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39% | ||
| Low stock price volatilityVol 12M is 34% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 18% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.0%, FCF Yield is 13% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -229% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39% |
| Low stock price volatilityVol 12M is 34% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 18% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Trading close to highsDist 52W High is -3.0%, Dist 3Y High is -3.0% |
| Weak multi-year price returns3Y Excs Rtn is -29% |
| Key risksBKU key risks include [1] persistent challenges with loan growth, Show more. |
Why The Stock Moved
Qualitative Assessment
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1. Strong Earnings Performance and Profitability:
BankUnited reported Q3 2025 diluted earnings per share (EPS) of $0.95, surpassing analyst consensus estimates. This positive earnings surprise likely contributed to the stock's upward movement. The company also successfully expanded its net interest margin (NIM) to 3.00% for the quarter, indicating improved profitability.
2. Significant Stock Appreciation and Market Outperformance:
BankUnited shares reached new 52-week highs in December 2025, with the stock gaining 30.8% in the six months leading up to December 2025, outperforming both the industry and the S&P 500 Index. This strong market momentum and investor demand contributed to the stock's positive performance.
3. Positive Analyst Sentiment and Price Target Revisions:
Several analysts upgraded their ratings for BKU and increased price targets during this period. For example, Jefferies upgraded BKU to a "buy" rating with a $55 price target, and Hovde Group raised its price target to $51. The average 12-month price objective among brokers was $43.40 as of December 19, 2025, reflecting improving sentiment.
4. Robust Organic Growth and Deposit Management:
The company demonstrated robust organic growth, supported by strong loan and deposit balances. BankUnited's management focused on strategically increasing low-cost deposits, with non-interest-bearing demand deposits constituting 30.1% of total deposits as of September 30, 2025, contributing to a healthy financial position.
5. Stable Capital Position and Improved Asset Quality:
BankUnited maintained a robust capital position, with a Common Equity Tier 1 (CET1) ratio of 12.5% as of September 30, 2025. The provision for credit losses decreased from the previous quarter, reflecting an improved economic forecast and stable asset quality, which instilled investor confidence. Show more
BankUnited reported Q3 2025 diluted earnings per share (EPS) of $0.95, surpassing analyst consensus estimates. This positive earnings surprise likely contributed to the stock's upward movement. The company also successfully expanded its net interest margin (NIM) to 3.00% for the quarter, indicating improved profitability.
2. Significant Stock Appreciation and Market Outperformance:
BankUnited shares reached new 52-week highs in December 2025, with the stock gaining 30.8% in the six months leading up to December 2025, outperforming both the industry and the S&P 500 Index. This strong market momentum and investor demand contributed to the stock's positive performance.
3. Positive Analyst Sentiment and Price Target Revisions:
Several analysts upgraded their ratings for BKU and increased price targets during this period. For example, Jefferies upgraded BKU to a "buy" rating with a $55 price target, and Hovde Group raised its price target to $51. The average 12-month price objective among brokers was $43.40 as of December 19, 2025, reflecting improving sentiment.
4. Robust Organic Growth and Deposit Management:
The company demonstrated robust organic growth, supported by strong loan and deposit balances. BankUnited's management focused on strategically increasing low-cost deposits, with non-interest-bearing demand deposits constituting 30.1% of total deposits as of September 30, 2025, contributing to a healthy financial position.
5. Stable Capital Position and Improved Asset Quality:
BankUnited maintained a robust capital position, with a Common Equity Tier 1 (CET1) ratio of 12.5% as of September 30, 2025. The provision for credit losses decreased from the previous quarter, reflecting an improved economic forecast and stable asset quality, which instilled investor confidence. Show more
Stock Movement Drivers
Fundamental Drivers
The 18.4% change in BKU stock from 9/29/2025 to 12/29/2025 was primarily driven by a 13.9% change in the company's P/E Multiple.| 9292025 | 12292025 | Change | |
|---|---|---|---|
| Stock Price ($) | 37.90 | 44.89 | 18.43% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1050.82 | 1069.48 | 1.78% |
| Net Income Margin (%) | 24.55% | 25.10% | 2.22% |
| P/E Multiple | 10.89 | 12.40 | 13.86% |
| Shares Outstanding (Mil) | 74.10 | 74.11 | -0.02% |
| Cumulative Contribution | 18.43% |
Market Drivers
9/29/2025 to 12/29/2025| Return | Correlation | |
|---|---|---|
| BKU | 18.4% | |
| Market (SPY) | 3.6% | 47.8% |
| Sector (XLF) | 2.2% | 61.9% |
Fundamental Drivers
The 28.2% change in BKU stock from 6/30/2025 to 12/29/2025 was primarily driven by a 16.5% change in the company's P/E Multiple.| 6302025 | 12292025 | Change | |
|---|---|---|---|
| Stock Price ($) | 35.02 | 44.89 | 28.17% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 1027.10 | 1069.48 | 4.13% |
| Net Income Margin (%) | 23.66% | 25.10% | 6.09% |
| P/E Multiple | 10.64 | 12.40 | 16.48% |
| Shares Outstanding (Mil) | 73.82 | 74.11 | -0.40% |
| Cumulative Contribution | 28.16% |
Market Drivers
6/30/2025 to 12/29/2025| Return | Correlation | |
|---|---|---|
| BKU | 28.2% | |
| Market (SPY) | 11.6% | 49.8% |
| Sector (XLF) | 6.0% | 63.7% |
Fundamental Drivers
The 20.9% change in BKU stock from 12/29/2024 to 12/29/2025 was primarily driven by a 34.1% change in the company's Net Income Margin (%).| 12292024 | 12292025 | Change | |
|---|---|---|---|
| Stock Price ($) | 37.13 | 44.89 | 20.91% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 983.26 | 1069.48 | 8.77% |
| Net Income Margin (%) | 18.71% | 25.10% | 34.12% |
| P/E Multiple | 14.87 | 12.40 | -16.63% |
| Shares Outstanding (Mil) | 73.67 | 74.11 | -0.59% |
| Cumulative Contribution | 20.91% |
Market Drivers
12/29/2024 to 12/29/2025| Return | Correlation | |
|---|---|---|
| BKU | 20.9% | |
| Market (SPY) | 16.6% | 68.7% |
| Sector (XLF) | 14.7% | 73.8% |
Fundamental Drivers
The 48.2% change in BKU stock from 12/30/2022 to 12/29/2025 was primarily driven by a 84.6% change in the company's P/E Multiple.| 12302022 | 12292025 | Change | |
|---|---|---|---|
| Stock Price ($) | 30.29 | 44.89 | 48.20% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 972.35 | 1069.48 | 9.99% |
| Net Income Margin (%) | 35.59% | 25.10% | -29.48% |
| P/E Multiple | 6.71 | 12.40 | 84.64% |
| Shares Outstanding (Mil) | 76.69 | 74.11 | 3.36% |
| Cumulative Contribution | 48.04% |
Market Drivers
12/30/2023 to 12/29/2025| Return | Correlation | |
|---|---|---|
| BKU | 48.7% | |
| Market (SPY) | 47.9% | 55.0% |
| Sector (XLF) | 51.0% | 70.1% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BKU Return | -1% | 24% | -18% | -0% | 22% | 23% | 52% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 151% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 17% | 114% |
Monthly Win Rates [3] | |||||||
| BKU Win Rate | 58% | 58% | 42% | 50% | 42% | 67% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| BKU Max Drawdown | -61% | -1% | -21% | -51% | -23% | -22% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/29/2025 (YTD)
How Low Can It Go
| Event | BKU | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -67.2% | -25.4% |
| % Gain to Breakeven | 204.8% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -61.7% | -33.9% |
| % Gain to Breakeven | 161.3% | 51.3% |
| Time to Breakeven | 236 days | 148 days |
| 2018 Correction | ||
| % Loss | -36.2% | -19.8% |
| % Gain to Breakeven | 56.8% | 24.7% |
| Time to Breakeven | 805 days | 120 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
BankUnited's stock fell -67.2% during the 2022 Inflation Shock from a high on 3/12/2021. A -67.2% loss requires a 204.8% gain to breakeven.
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BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. The company offers deposit products, such as checking, money market deposit, and savings accounts; certificates of deposit; and treasury, commercial payment, and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based loans, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, letters of credit, commercial credit cards, small business administration and U.S. department of agriculture product offerings, export-import bank financing products, trade finance, and business acquisition finance credit facilities; commercial real estate loans; residential mortgages; and other consumer loans. The company also offers online, mobile, and telephone banking services. As of December 31, 2021, it operated through a network of 63 banking centers located in 13 Florida counties; and 4 banking centers in the New York metropolitan area. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
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Here are 1-2 brief analogies for BankUnited (BKU):
- Think of it as a regional version of Bank of America, with a focus on customers in Florida and New York.
- Similar to a smaller PNC Bank, providing traditional banking services primarily in Florida and New York.
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- Deposit Accounts: Offers various deposit accounts including checking, savings, money market, and certificates of deposit for individuals and businesses.
- Commercial Lending: Provides a range of financing solutions for businesses, primarily comprising commercial real estate, commercial and industrial, and equipment loans.
- Residential Mortgage Loans: Originates and services mortgage loans for individuals looking to purchase or refinance residential properties.
- Treasury Management Services: Delivers comprehensive cash management, payment processing, and fraud prevention solutions designed for business clients.
AI Analysis | Feedback
BankUnited (BKU) serves a diverse customer base, providing financial products and services to both individuals and businesses. Given the nature of its banking operations, it does not typically have "major customers" in the sense of a few large companies whose business constitutes a significant portion of its revenue, nor does it primarily sell to individuals. Instead, its customer base is segmented into several categories.
The categories of customers BankUnited serves include:
- Individual/Consumer Customers: This segment includes individuals and households who utilize BankUnited for personal banking services such as checking and savings accounts, residential mortgages, personal loans, and other consumer financial products.
- Commercial and Corporate Customers: This broad category encompasses small to medium-sized businesses (SMBs) as well as larger corporate clients. These customers engage BankUnited for commercial loans, lines of credit, treasury management services, business checking and savings accounts, and commercial real estate financing.
- High-Net-Worth (HNW) Customers: Through its wealth management division, BankUnited serves high-net-worth individuals and families, offering specialized financial planning, investment management, and private banking services tailored to their complex financial needs.
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Rajinder P. Singh Chairman, President and Chief Executive Officer
Mr. Singh has served as Chairman, President, and Chief Executive Officer of BankUnited, Inc. since January 2017, and was appointed Chairman of the Board of Directors in January 2019. He is one of the founding organizers of BankUnited and served as its Chief Operating Officer from October 2010 until his promotion in 2017. Prior to joining BankUnited, Mr. Singh was a managing director and led the financial services practice of WL Ross & Co., a private equity firm that was part of the investor group that recapitalized BankUnited in 2009. Earlier in his career, he was executive vice president of Capital One Financial Corporation's banking segment. He joined Capital One following its purchase of North Fork Bancorporation, where he was head of corporate strategy and development, playing a role in the sale of North Fork to Capital One. Before North Fork, he was a managing director at FleetBoston Financial Corporation, where he was involved in over 20 transactions, including the acquisitions of BankBoston and Quick & Reilly, and the eventual sale of Fleet to Bank of America.
Leslie N. Lunak Chief Financial Officer
Ms. Lunak has been the Chief Financial Officer of BankUnited, Inc. since March 2013 and also serves as its Principal Accounting Officer. She joined BankUnited in 2010 and previously held roles as Executive Vice President and Chief Accounting Officer from June 2012 to March 2013, and Senior Vice President, Finance from October 2010 to June 2012. Before BankUnited, Ms. Lunak was an Audit Director at the public accounting firm McGladrey & Pullen, LLP from 2004 to 2010, specializing in the financial services industry. Her earlier career includes serving as a senior audit manager with Adair, Fuller, Witcher and Malcom, and working as an independent consultant providing finance and accounting services primarily to community banks and thrifts. She began her career at Deloitte as an audit manager. Ms. Lunak is scheduled to retire effective January 1, 2026.
James G. Mackey Incoming Chief Financial Officer
Mr. Mackey is set to join BankUnited as Senior Executive Vice President on August 15, 2025, and will assume the role of Chief Financial Officer on November 1, 2025, succeeding Leslie Lunak. He brings over three decades of financial leadership experience, most recently serving as CFO for Wells Fargo's consumer lending division. His prior experience includes CFO positions at Freddie Mac and Ally Financial, as well as divisional CFO roles at Bank of America. At Ally Financial, he played a key role in transforming the company into a diversified digital bank. At Bank of America, he led finance teams through the financial crisis and was involved in significant acquisitions.
Thomas M. Cornish Chief Operating Officer
Mr. Cornish has served as Chief Operating Officer of BankUnited since January 2017. Before this role, he was the President of BankUnited's Florida region from 2014 to 2016. Prior to joining BankUnited, Mr. Cornish served as President and Chief Executive Officer of Marsh & McLennan Agency, Florida Region, from 2004 to 2014. He also held various senior leadership positions with SunTrust Bank from 1983 to 2003.
Jay Richards Senior Executive Vice President and Chief Risk Officer
Mr. Richards has been BankUnited's Chief Risk Officer since September 2019, overseeing an integrated Enterprise Risk Management group. He previously served as Chief Credit Officer from January 2018 to September 2019. Mr. Richards has extensive experience across various banking sectors, having held senior leadership positions at TD Bank (and its predecessor banks), Compass Bank, Regions Bank (and its predecessor banks), and Bank One (now part of JPMorgan Chase). He also has significant experience in bank mergers and acquisitions.
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The key risks to BankUnited's business (BKU) include:
- Struggling Loan Growth and Net Interest Margin Challenges: BankUnited has faced persistent challenges with loan growth through October 2025, which is a significant concern for its revenue expansion efforts and long-term profitability. This issue, coupled with competitive pressures in the banking sector for deposits, could negatively impact the bank's net interest margin.
- Credit Quality and Negative Credit Migration: In July 2025, reports noted negative credit migration, signaling a potential deterioration in BankUnited's asset quality. This trend could lead to higher loan loss provisions in future quarters, directly impacting profitability if it accelerates. While more recent assessments indicate stable credit trends amidst macroeconomic uncertainty, it remains a critical factor requiring careful monitoring.
- Allowance for Bad Loans: BankUnited has been noted to have an insufficient allowance for bad loans, currently at 1.6% of total loans, with a low allowance for bad loans at 58% relative to its asset-to-equity ratio. This suggests a potential vulnerability in how the bank provisions for and manages its credit risk.
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**Digital-only banks (neobanks) and FinTech companies:** These emerging financial institutions operate with significantly lower overhead costs, leveraging technology to offer highly competitive interest rates on deposits and loans, along with superior, mobile-first user experiences. This directly threatens BankUnited's ability to attract and retain deposit accounts and loan customers, particularly among younger and digitally native demographics who prioritize convenience and seamless digital interactions over traditional branch networks. This parallel mirrors the disruption of Blockbuster by Netflix, where a more efficient, convenient, and often cheaper service model challenged traditional brick-and-mortar operations.
**Expansion of financial services by large technology companies:** Companies such as Apple, Google, and Amazon are increasingly offering various financial products, including payment systems, credit cards, and "buy now, pay later" options. While they may partner with existing banks for regulatory reasons, these tech giants leverage their extensive user bases, data analytics capabilities, and integrated platform ecosystems to own customer relationships and disintermediate traditional banks from critical parts of the financial value chain. This threat is akin to how Uber disrupted traditional taxi services by creating a new platform that captured the customer interface and experience.
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BankUnited (BKU) operates primarily in Florida, the New York metropolitan area, and Dallas, Texas, offering commercial lending and deposit services, and some consumer banking products. While specific, granular market sizes for all its products across its precise operating regions are not fully available, the following represents the addressable markets for its main products and services where data is obtainable:
-
Commercial Lending:
- The Commercial Banking industry in Florida is estimated to be $65.5 billion in 2025.
- Small business loans in Florida amount to $52.9 billion.
- The overall U.S. commercial banking market is valued at $732.5 billion in 2025 and is projected to reach $915.45 billion by 2030. Commercial lending constitutes a significant portion of this market.
- The commercial real estate market in New York City, a key area for BankUnited, is estimated to be close to $2 trillion in terms of value.
-
Consumer Banking/Deposit Services:
- The United States retail banking market is valued at $0.87 trillion (USD 870 billion) in 2025 and is projected to reach $1.08 trillion by 2030. Other estimates suggest the market could reach $3,554 billion by 2033.
- Total deposits in Florida were $831 billion as of Q2 2024.
- Deposits in the Miami-Fort Lauderdale-West Palm Beach, FL Metropolitan Statistical Area totaled $336.26 billion in Q2 2025.
-
Wealth Management:
- The U.S. wealth management market had $64.4 trillion in assets under management (AUM) in 2024, with projections to reach $87.35 trillion by 2028. The United States accounts for approximately 54.2% of global AUM in 2025.
- Globally, the wealth management market is valued at $1.83 trillion in 2024 and is projected to grow to $3.62 trillion by 2032.
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BankUnited (BKU) is expected to drive future revenue growth over the next 2-3 years through several key strategies:- Net Interest Margin (NIM) Expansion: The company has demonstrated success in expanding its net interest margin, reaching 3.00% in Q3 2025, ahead of its internal targets. Management anticipates continued growth in NIM, which directly contributes to an increase in Net Interest Income (NII), a primary revenue component for banks.
- Growth in Deposits and Non-Interest Bearing Demand Accounts (NIDDA): BankUnited has reported significant non-broker deposit growth, with $1.2 billion added over the last 12 months. The company projects double-digit NIDDA growth for the full year 2025. This focus on lower-cost funding sources is crucial for supporting further NIM expansion and overall revenue growth.
- Strategic Geographic Expansion: BankUnited is actively expanding its market presence by opening new corporate banking offices in growing regions. Recent examples include a new office in Morristown, New Jersey (May 2025), entry into the Charlotte market with a new team focused on corporate banking and commercial real estate (July 2025), and a new office in Tampa, Florida (September 2025). These expansions are designed to capture new business, increasing both deposit and loan volumes.
- Diversified Commercial Loan Growth: While facing some fluctuations in C&I loans, BankUnited expects low single-digit core C&I loan growth year-over-year and anticipates a stronger fourth quarter for loan production. The bank also projects mid-single-digit growth in its core commercial real estate (CRE) loan portfolio. A strategic focus on diversifying its loan portfolio is also in place to enhance revenue streams and reduce risk.
- Expansion of Fee Income Businesses: Management views its fee income initiatives as being in their "early innings" with significant long-term potential. Non-interest income, excluding lease financing, has shown a 24% year-over-year increase. Key areas contributing to this growth include lending fees, syndication fees, capital markets, and interest rate derivatives.
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Share Repurchases
- BankUnited repurchased approximately 3.4 million shares of common stock for an aggregate purchase price of approximately $105.1 million under an existing $150 million authorization through March 13, 2020.
- In September 2022, BankUnited's board of directors authorized the repurchase of up to an additional $150 million worth of shares with no expiration date.
- As of December 31, 2024, $20.2 million worth of shares remained to be repurchased under existing authorizations. A new authorization for up to $100 million in share repurchases was approved on July 22, 2025.
Share Issuance
- Common shares issued and outstanding were 74,372,505 at December 31, 2023, increasing to 74,756,756 as of April 23, 2024.
- Common shares issued and outstanding further increased to 74,749,012 at September 30, 2024, and 75,242,048 at March 31, 2025.
- Paid-in capital increased from $283,642 thousand at December 31, 2023, to $290,719 thousand at June 30, 2024, and to $301,321 thousand at March 31, 2025.
Outbound Investments
- BankUnited has expanded its wholesale banking operations by launching new offices in Morristown, New Jersey, and Charlotte, North Carolina.
Capital Expenditures
- BankUnited's capital expenditures for June 2025 were -$606,000.
Latest Trefis Analyses
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Trade Ideas
Select ideas related to BKU. For more, see Trefis Trade Ideas.
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| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 14.5% | 14.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for BankUnited
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 61.34 |
| Mkt Cap | 159.0 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.4% |
| Rev Chg 3Y Avg | 3.0% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
Price Behavior
| Market Price | $44.89 | |
| Market Cap ($ Bil) | 3.3 | |
| First Trading Date | 01/28/2011 | |
| Distance from 52W High | -3.0% | |
| 50 Days | 200 Days | |
| DMA Price | $41.95 | $37.08 |
| DMA Trend | up | up |
| Distance from DMA | 7.0% | 21.1% |
| 3M | 1YR | |
| Volatility | 32.4% | 34.3% |
| Downside Capture | 66.85 | 126.35 |
| Upside Capture | 137.72 | 126.15 |
| Correlation (SPY) | 47.3% | 68.7% |
BKU Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.89 | 1.44 | 1.36 | 1.54 | 1.24 | 1.42 |
| Up Beta | 0.84 | 1.19 | 1.60 | 1.67 | 1.06 | 1.29 |
| Down Beta | 0.45 | 2.03 | 1.83 | 1.58 | 1.34 | 1.28 |
| Up Capture | 172% | 181% | 128% | 174% | 150% | 389% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 12 | 26 | 36 | 68 | 128 | 376 |
| Down Capture | 55% | 96% | 98% | 134% | 121% | 109% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 7 | 14 | 25 | 55 | 118 | 370 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of BKU With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| BKU | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 21.0% | 15.4% | 16.7% | 65.4% | 7.5% | 4.2% | -7.3% |
| Annualized Volatility | 34.0% | 19.0% | 19.4% | 19.8% | 15.3% | 17.0% | 34.9% |
| Sharpe Ratio | 0.60 | 0.62 | 0.67 | 2.43 | 0.27 | 0.08 | -0.06 |
| Correlation With Other Assets | 73.7% | 68.7% | -8.6% | 23.6% | 53.4% | 28.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Comparison of BKU With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| BKU | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 9.8% | 16.2% | 14.8% | 17.7% | 11.2% | 5.1% | 30.2% |
| Annualized Volatility | 39.2% | 18.9% | 17.1% | 15.6% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.35 | 0.71 | 0.70 | 0.91 | 0.48 | 0.18 | 0.57 |
| Correlation With Other Assets | 71.7% | 54.1% | -0.8% | 17.6% | 49.7% | 22.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of BKU With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| BKU | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 5.3% | 13.4% | 15.0% | 14.6% | 6.9% | 5.4% | 69.0% |
| Annualized Volatility | 40.6% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.27 | 0.56 | 0.72 | 0.82 | 0.31 | 0.23 | 0.89 |
| Correlation With Other Assets | 75.0% | 56.3% | -9.2% | 23.4% | 51.2% | 14.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/22/2025 | 1.7% | 8.0% | 8.1% |
| 7/23/2025 | 2.1% | -2.6% | -3.7% |
| 4/28/2025 | -2.2% | 0.5% | 4.0% |
| 1/22/2025 | -1.3% | 1.7% | -1.7% |
| 10/22/2024 | -0.3% | 2.0% | 18.0% |
| 7/18/2024 | 4.5% | 7.2% | 4.9% |
| 4/17/2024 | 2.9% | 12.7% | 23.3% |
| 1/26/2024 | -0.6% | -11.6% | -12.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 13 | 14 |
| # Negative | 15 | 10 | 9 |
| Median Positive | 2.5% | 4.5% | 9.1% |
| Median Negative | -3.1% | -4.4% | -6.8% |
| Max Positive | 12.9% | 12.7% | 35.5% |
| Max Negative | -6.6% | -13.8% | -12.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/05/2025 | 10-Q (09/30/2025) |
| 06/30/2025 | 08/05/2025 | 10-Q (06/30/2025) |
| 03/31/2025 | 05/08/2025 | 10-Q (03/31/2025) |
| 12/31/2024 | 02/28/2025 | 10-K (12/31/2024) |
| 09/30/2024 | 11/04/2024 | 10-Q (09/30/2024) |
| 06/30/2024 | 08/05/2024 | 10-Q (06/30/2024) |
| 03/31/2024 | 04/25/2024 | 10-Q (03/31/2024) |
| 12/31/2023 | 02/20/2024 | 10-K (12/31/2023) |
| 09/30/2023 | 11/01/2023 | 10-Q (09/30/2023) |
| 06/30/2023 | 08/02/2023 | 10-Q (06/30/2023) |
| 03/31/2023 | 05/02/2023 | 10-Q (03/31/2023) |
| 12/31/2022 | 02/22/2023 | 10-K (12/31/2022) |
| 09/30/2022 | 11/01/2022 | 10-Q (09/30/2022) |
| 06/30/2022 | 08/02/2022 | 10-Q (06/30/2022) |
| 03/31/2022 | 05/04/2022 | 10-Q (03/31/2022) |
| 12/31/2021 | 02/24/2022 | 10-K (12/31/2021) |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | PAULS DOUGLAS J | 7292025 | Sell | 38.79 | 3,500 | 135,765 | 1,675,922 | Form | |
| 1 | Richards Jay D. | Officer of Subsidiary | 7292025 | Sell | 38.81 | 3,942 | 152,989 | 1,521,080 | Form |
| 2 | DiGiacomo John N. | 5292025 | Sell | 34.43 | 1,000 | 34,430 | 499,786 | Form | |
| 3 | LUNAK LESLIE | Chief Financial Officer | 5082025 | Sell | 33.56 | 22,776 | 764,292 | 2,010,025 | Form |
| 4 | SOBTI SANJIV | 3172025 | Buy | 32.83 | 1,000 | 32,830 | 715,103 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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