Bankunited (BKU)
NYSE:BKU
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BankUnited
(NYSE:BKU)
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Rating:68Neutral
Price Target:
$51.00
â–²(6.49% Upside)
Action:ReiteratedDate:04/22/26
The score is driven primarily by improved balance-sheet strength and solid cash generation, reinforced by a constructive earnings-call update (guidance reiterated, credit quality improving, deposits growing and buybacks continuing). These positives are tempered by the income statement concerns—compressed profitability and an unusually sharp 2025 revenue decline—while technicals and valuation provide moderate support rather than a decisive tailwind.
Positive Factors
Improved capital and leverage
Material de‑leveraging and a conservative CET1 buffer strengthen the bank's shock absorption and regulatory flexibility. A lower debt/equity profile reduces liquidity and solvency risk, enabling continued lending, buybacks and dividend support while preserving strategic optionality over months.
Negative Factors
Severe 2025 revenue decline
An extreme year‑over‑year revenue drop materially weakens the sustainable earnings base and raises execution risk for management's targets. Persistent revenue deterioration would compress PPNR, force cost cuts or strategy shifts, and make multi‑quarter recovery of profits uncertain.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved capital and leverage
Material de‑leveraging and a conservative CET1 buffer strengthen the bank's shock absorption and regulatory flexibility. A lower debt/equity profile reduces liquidity and solvency risk, enabling continued lending, buybacks and dividend support while preserving strategic optionality over months.
Read all positive factors
BankUnited (BKU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.53B
Dividend Yield2.71%
Average Volume (3M)838.53K
Price to Earnings (P/E)13.9
Beta (1Y)1.01
Revenue Growth-5.31%
EPS Growth11.35%
CountryUS
Employees1,662
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.56
Shares Outstanding73,720,000
10 Day Avg. Volume983,272
30 Day Avg. Volume838,533
Financial Highlights & Ratios
PEG Ratio0.85
Price to Book (P/B)1.11
Price to Sales (P/S)1.58
P/FCF Ratio9.46
Enterprise Value/Market Cap1.58
Enterprise Value/Revenue2.61
Enterprise Value/Gross Profit5.27
Enterprise Value/Ebitda14.22
Forecast
1Y Price Target
$52.83Price Target Upside10.32% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)4.12
Revenue Forecast (FY)$1.17B
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 s...
How the Company Makes Money
BankUnited primarily earns money through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest on loans and other interest-earning assets (such as investment securities and interest-bearing cash) ...
BankUnited Earnings Call Summary
Earnings Call Date:Apr 22, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 16, 2026
Earnings Call Sentiment Positive
The call conveyed measured optimism: management reported solid year‑over‑year revenue and PPNR growth, meaningful credit‑quality improvement (notably large reductions in NPLs and criticized/classified balances), robust deposit growth over the past 12 months, and continued execution on buybacks and strategic investments. Headwinds included seasonal sequential weakness, front‑loaded charge‑offs and higher brokered funding costs in the quarter, plus a cautious $8M qualitative provisioning overlay tied to geopolitical risk. Management reiterated full‑year guidance and emphasized that seasonality should drive a rebound in Q2, signaling confidence in the outlook.Positive Updates
Quarterly Earnings Growth Year‑over‑Year
Net income of $62.0M in Q1 2026 vs $58.0M in Q1 2025 (≈ +6.9% YoY); EPS $0.83 vs $0.78 (≈ +6.4% YoY).
Negative Updates
Seasonality and Sequential Weakness
Q1 seasonality drove a sequential earnings decline (management noted a ~$10M QoQ decline similar to last year), with loan production unusually light for the quarter (loans grew only ~$9M QoQ). NIM was down sequentially vs Q4 before the expected seasonal rebound.
Read all updates
Q1-2026 Updates
Positive
Negative
Quarterly Earnings Growth Year‑over‑Year
Net income of $62.0M in Q1 2026 vs $58.0M in Q1 2025 (≈ +6.9% YoY); EPS $0.83 vs $0.78 (≈ +6.4% YoY).
Read all positive updates
Company Guidance
Management reiterated "no change" to the full‑year guidance provided last quarter and said performance remains in line with those targets: Q1 results were earnings $62M (EPS $0.83), NIM ~2.99%, PPNR $106M (+11.5% YoY); deposits saw non‑broker growth +$277M q/q and +$1.4B YoY with NIDDA +$875M YoY (average NIDDA up roughly $1.5B); loans +$9M q/q and +$906M YoY; credit trends improving with NPLs down $98M (‑26% q/q), criticized/classified down $146M (‑12% q/q, ‑$333M or ‑24% YoY), ACL $209M (coverage ~76% of NPLs and ~87 bps overall) after a $25M Q1 provision that included an $8M qualitative overlay and $36M charge‑offs (TTM charge‑off rate 37 bps); share buybacks of 1.3M shares completed with just under $200M of authorization remaining—management emphasized the provision is likely front‑loaded and expects strong seasonally typical NIDDA and margin rebound in Q2, with no changes to previously communicated full‑year metrics (as investors have been modeling, including the prior provision guidance of ~$68M and the year‑end NIM objective referenced by the market).BankUnited Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
64
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.14B | 2.02B | 1.94B | 1.31B | 1.09B |
| Gross Profit | 1.06B | 958.35M | 873.03M | 915.44M | 996.96M |
| EBITDA | 393.13M | 376.46M | 311.14M | 452.75M | 527.88M |
| Net Income | 268.37M | 232.47M | 178.67M | 284.97M | 414.98M |
Balance Sheet | |||||
| Total Assets | 35.04B | 35.24B | 35.76B | 37.03B | 35.82B |
| Cash, Cash Equivalents and Short-Term Investments | 217.78M | 491.12M | 588.28M | 572.65M | 314.86M |
| Total Debt | 1.97B | 3.64B | 5.82B | 6.33B | 2.83B |
| Total Liabilities | 31.99B | 32.43B | 33.18B | 34.59B | 32.78B |
| Stockholders Equity | 3.05B | 2.81B | 2.58B | 2.44B | 3.04B |
Cash Flow | |||||
| Free Cash Flow | 358.61M | 433.78M | 657.50M | 1.29B | 1.19B |
| Operating Cash Flow | 358.61M | 433.78M | 657.50M | 1.29B | 1.22B |
| Investing Cash Flow | -214.43M | 409.71M | 980.57M | -2.12B | -1.64B |
| Financing Cash Flow | -417.52M | -940.66M | -1.62B | 1.08B | 334.87M |
BankUnited Technical Analysis
Positive
47.89
Price Trends
46.28
Positive
45.75
Positive
41.66
Positive
Market Momentum
0.60
Negative
63.50
Neutral
76.49
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 47.89 is above the 20-day moving average (MA) of 45.66, above the 50-day MA of 46.28, and above the 200-day MA of 41.66, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 63.50 is Neutral, neither overbought nor oversold. The STOCH value of 76.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKU.
BankUnited Risk Analysis
BankUnited disclosed 42 risk factors in its most recent earnings report. BankUnited reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BankUnited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $3.16B | 17.04 | 12.65% | 2.96% | 6.83% | 11.88% | |
75 Outperform | $3.63B | 13.08 | 9.16% | 4.00% | -2.88% | 5.22% | |
68 Neutral | $3.53B | 13.89 | 9.02% | 2.71% | -5.31% | 11.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $2.80B | 11.68 | 7.50% | 1.34% | 18.85% | -1.29% | |
63 Neutral | $3.20B | 18.57 | 6.38% | 3.04% | 14.22% | -15.75% | |
62 Neutral | $3.13B | 10.35 | -10.51% | 4.41% | -57.23% | -320.70% |
* Financial Sector Average
BKU
BankUnited
47.93
15.78
49.09%
CVBF
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20.63
2.55
14.08%
PRK
Park National
174.66
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14.67%
SFNC
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21.59
3.38
18.56%
TOWN
TowneBank
34.76
2.97
9.36%
FBK
FB Financial
54.29
11.03
25.51%
BankUnited Corporate Events
Business Operations and StrategyFinancial Disclosures
BankUnited Highlights Strategy Ahead of KBW Conference Appearance
Positive
Feb 11, 2026
On February 11, 2026, BankUnited posted an investor presentation outlining its strategy and performance ahead of its appearance at the KBW Winter Financial Services Conference on February 12, 2026. The materials highlight a $35 billion balance she...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.