BankUnited (BKU) AI Stock Analysis

• Market Cap: $3.39B
• Dividend Yield: 2.71%
• Average Volume (3M): 964.70K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.95
• Revenue Growth: -5.44%
• EPS Growth: 45.47%
• Country: US
• Employees: 1,662
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 75,142,570
• 10 Day Avg. Volume: 1,005,809
• 30 Day Avg. Volume: 964,703
• PEG Ratio: 0.41
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 6.48
• Enterprise Value/Market Cap: 1.55
• Enterprise Value/Revenue: 2.42
• Enterprise Value/Gross Profit: 5.11
• Enterprise Value/Ebitda: 12.91
• 1Y Price Target: $47.00
• Price Target Upside: 4.26% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): 3.51
• Revenue Forecast (FY): $1.09B

• Rating: 74 Outperform
• Price Target: $50.00 ▲(10.91% Upside)

BankUnited's overall score is driven by strong technical momentum and positive earnings call sentiment. While financial performance shows growth, challenges in cash flow and operational efficiency need addressing. The valuation is reasonable, supporting a favorable outlook.

Positive Factors

Improved Profitability

Improved profitability indicates effective cost management and pricing strategies, enhancing long-term financial health and shareholder value.

Noninterest Income Growth

Growth in noninterest income diversifies revenue streams, reducing reliance on interest income and enhancing financial stability.

Leadership Change

The appointment of a new CFO can bring fresh strategic perspectives and financial expertise, potentially driving long-term growth and efficiency.

Negative Factors

Declining Cash Flow Growth

Reduced cash flow growth can limit investment capabilities and financial flexibility, posing risks to long-term operational and strategic initiatives.

Loan Portfolio Challenges

Challenges in the loan portfolio may indicate credit quality issues, affecting revenue and increasing risk exposure in the long term.

Operational Efficiency Pressures

Pressure on operational efficiency can impact profitability and competitiveness, requiring strategic adjustments to maintain market position.

BankUnited Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

BankUnited generates revenue through various key streams, predominantly from net interest income, which is derived from the interest earned on loans and investments minus the interest paid on deposits. The bank's loan portfolio includes commercial real estate loans, commercial and industrial loans, and residential mortgages, which contribute significantly to its earnings. Additionally, BankUnited earns non-interest income from fees associated with deposit accounts, transaction services, and wealth management. Strategic partnerships with other financial institutions and businesses enhance its service offerings and customer reach, further bolstering revenue. The bank's focus on growing its loan portfolio while managing interest rate risk and maintaining a strong deposit base is crucial to its overall financial performance.

BankUnited Financial Statement Overview

Summary

BankUnited shows strong revenue growth and improved profitability, supported by a healthier balance sheet with reduced leverage. However, declining cash flow growth and operational efficiency pressures present challenges.

Income Statement

BankUnited's income statement shows a solid revenue growth rate of 10.6% in the TTM, indicating strong top-line expansion. The gross profit margin is stable at around 47.4%, and the net profit margin has improved to 12.2%, reflecting enhanced profitability. However, the EBIT and EBITDA margins, while healthy, are lower than historical highs, suggesting some pressure on operational efficiency.

Balance Sheet

The balance sheet reveals a significant improvement in the debt-to-equity ratio, decreasing from 1.29 to 0.79 in the TTM, indicating better leverage management. Return on equity has improved to 9.0%, showing enhanced shareholder returns. However, the equity ratio remains moderate, suggesting room for strengthening the capital structure.

Cash Flow

Cash flow analysis shows a concerning decline in free cash flow growth by 49.2% in the TTM, which could impact liquidity. The operating cash flow to net income ratio is low, indicating potential challenges in converting income into cash. However, the free cash flow to net income ratio remains strong at 1.0, suggesting efficient cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.16B	2.02B	1.94B	1.31B	1.09B	1.20B
Gross Profit	1.03B	958.35M	873.03M	915.44M	996.96M	706.55M
EBITDA	406.01M	376.46M	311.14M	452.75M	527.88M	321.87M
Net Income	263.97M	232.47M	178.67M	284.97M	414.98M	197.85M
Balance Sheet
Total Assets	35.08B	35.24B	35.76B	37.03B	35.82B	35.01B
Cash, Cash Equivalents and Short-Term Investments	1.44B	491.12M	588.28M	572.65M	314.86M	397.72M
Total Debt	2.40B	3.64B	5.82B	6.33B	2.83B	4.03B
Total Liabilities	32.04B	32.43B	33.18B	34.59B	32.78B	32.03B
Stockholders Equity	3.03B	2.81B	2.58B	2.44B	3.04B	2.98B
Cash Flow
Free Cash Flow	419.25M	433.78M	657.50M	1.29B	1.19B	844.57M
Operating Cash Flow	419.25M	433.78M	657.50M	1.29B	1.22B	864.17M
Investing Cash Flow	467.77M	409.71M	980.57M	-2.12B	-1.64B	-2.62B
Financing Cash Flow	-1.22B	-940.66M	-1.62B	1.08B	334.87M	1.94B

BankUnited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 45.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKU, the sentiment is Positive. The current price of 45.08 is above the 20-day moving average (MA) of 44.93, above the 50-day MA of 41.52, and above the 200-day MA of 36.88, indicating a bullish trend. The MACD of 1.17 indicates Positive momentum. The RSI at 61.26 is Neutral, neither overbought nor oversold. The STOCH value of 22.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKU.

BankUnited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKU	74 Outperform	$3.39B	12.74	9.04%	2.71%	-5.44%	45.47%
PRK	73 Outperform	$2.55B	14.61	13.69%	2.96%	6.29%	28.28%
CVBF	72 Outperform	$2.67B	13.24	9.10%	4.00%	-8.43%	3.75%
FBK	71 Outperform	$3.03B	26.46	5.85%	1.34%	10.50%	-6.22%
TOWN	70 Outperform	$2.77B	15.25	7.37%	3.04%	9.48%	12.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFNC	61 Neutral	$2.79B	-6.55	-12.42%	4.41%	-55.53%	-387.04%

BankUnited Corporate Events

BankUnited Appoints New Chief Financial Officer

On November 10, 2025, BankUnited, Inc. announced the appointment of James G. Mackey as the company’s new chief financial officer, effective immediately. Mackey, who was hired on July 23, 2025, and served as the senior executive vice president of finance, succeeds Leslie N. Lunak, who will remain with the company as an executive advisor until January 2026. This leadership transition is part of BankUnited’s strategic succession plan and is expected to influence the company’s financial strategy and operations moving forward.