Bankunited (BKU)
NYSE:BKU
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BankUnited
(NYSE:BKU)
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Rating:59Neutral
Price Target:
$48.00
â–²(0.23% Upside)
Action:Reiterated
Date:05/22/26
The score reflects solid balance-sheet improvement and a constructive earnings-call backdrop (reiterated guidance, better credit quality, deposit growth), offset by weaker recent cash-flow momentum and only neutral technical signals. Valuation is supportive but not a decisive catalyst.
Positive Factors
Improved Balance Sheet
Materially lower leverage and a stable common equity base increase resilience to credit stress and rate shocks. Reduced debt-to-equity enhances capital flexibility for lending, regulatory buffers, and share returns while supporting consistent execution of strategic initiatives over the medium term.
Negative Factors
Weaker Cash Generation
Operating cash flow has meaningfully declined from prior peaks and free cash flow is contracting, which constrains internal funding for strategic investments, capital returns and reserve builds. Persistent cash-flow weakness reduces financial flexibility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Balance Sheet
Materially lower leverage and a stable common equity base increase resilience to credit stress and rate shocks. Reduced debt-to-equity enhances capital flexibility for lending, regulatory buffers, and share returns while supporting consistent execution of strategic initiatives over the medium term.
Read all positive factors
BankUnited (BKU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.38B
Dividend Yield2.71%
Average Volume (3M)735.45K
Price to Earnings (P/E)13.0
Beta (1Y)1.01
Revenue Growth-5.12%
EPS Growth11.35%
CountryUS
Employees1,662
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.59
Shares Outstanding72,681,720
10 Day Avg. Volume550,632
30 Day Avg. Volume735,452
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 Cap1.61
Enterprise Value/Revenue2.56
Enterprise Value/Gross Profit5.09
Enterprise Value/Ebitda14.29
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
72
Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.12B | 2.14B | 2.02B | 1.94B | 1.31B | 1.09B |
| Gross Profit | 1.07B | 1.06B | 958.35M | 873.03M | 915.44M | 996.96M |
| EBITDA | 380.72M | 393.13M | 376.46M | 311.14M | 452.75M | 527.88M |
| Net Income | 271.77M | 268.37M | 232.47M | 178.67M | 284.97M | 414.98M |
Balance Sheet | ||||||
| Total Assets | 35.36B | 35.04B | 35.24B | 35.76B | 37.03B | 35.82B |
| Cash, Cash Equivalents and Short-Term Investments | 13.34M | 217.78M | 491.12M | 588.28M | 572.65M | 314.86M |
| Total Debt | 2.07B | 1.97B | 3.64B | 5.82B | 6.33B | 2.83B |
| Total Liabilities | 32.34B | 31.99B | 32.43B | 33.18B | 34.59B | 32.78B |
| Stockholders Equity | 3.02B | 3.05B | 2.81B | 2.58B | 2.44B | 3.04B |
Cash Flow | ||||||
| Free Cash Flow | 360.55M | 358.61M | 433.78M | 657.50M | 1.29B | 1.19B |
| Operating Cash Flow | 360.55M | 358.61M | 433.78M | 657.50M | 1.29B | 1.22B |
| Investing Cash Flow | -475.91M | -214.43M | 409.71M | 980.57M | -2.12B | -1.64B |
| Financing Cash Flow | 56.56M | -417.52M | -940.66M | -1.62B | 1.08B | 334.87M |
BankUnited Technical Analysis
Positive
47.89
Price Trends
46.00
Positive
46.42
Positive
43.07
Positive
Market Momentum
0.03
Negative
51.25
Neutral
75.23
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 46.45, above the 50-day MA of 46.00, and above the 200-day MA of 43.07, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 51.25 is Neutral, neither overbought nor oversold. The STOCH value of 75.23 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $3.60B | 13.39 | 9.16% | 4.00% | -2.88% | 5.03% | |
73 Outperform | $3.10B | 16.60 | 12.65% | 2.96% | 6.83% | 11.88% | |
70 Outperform | $2.73B | 19.36 | 7.50% | 1.34% | 18.85% | -1.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $3.13B | 19.32 | 6.38% | 3.04% | 13.97% | -15.75% | |
62 Neutral | $3.12B | -8.66 | -10.51% | 4.41% | -57.23% | -320.45% | |
59 Neutral | $3.38B | 12.99 | 9.02% | 2.71% | -5.12% | 11.35% |
* Financial Sector Average
BKU
BankUnited
46.39
13.41
40.65%
CVBF
Cvb Financial
20.36
2.36
13.12%
PRK
Park National
171.56
14.53
9.25%
SFNC
Simmons 1st Nat'l
21.45
3.50
19.49%
TOWN
TowneBank
34.07
1.24
3.78%
FBK
FB Financial
52.69
9.69
22.52%
BankUnited Corporate Events
Business Operations and StrategyShareholder Meetings
BankUnited Shareholders Approve Expanded Long-Term Equity Incentive Plan
Positive
May 21, 2026
At its May 21, 2026 annual shareholders meeting, BankUnited investors approved an amended and restated 2023 Omnibus Equity Incentive Plan, which replaces the prior plan and expands the range of equity and cash awards the bank can grant to employee...
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.