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what it is
It is a bank that holds your deposits and turns them into loans, leases, and fees.
how it gets paid
Last year Bankunited made $1.8B in revenue.
why it's growing
Revenue grew 305.2% last year. Revenue fell 5% from a year ago. EPS slipped 1% vs. prior year.
what just happened
BankUnited posted $442M of revenue and $0.90 of EPS in the latest quarter.
At a glance
B balance sheet — gets the job done, barely
55/100 earnings predictability — expect surprises
13.3x trailing p/e — the market's not buying it — or you found a deal
2.9% dividend yield — cash in your pocket every quarter
$3.08 fy2024 eps est
xvary composite: 54/100 — below average
What they do
It is a bank that holds your deposits and turns them into loans, leases, and fees.
59 banking centers across Florida, New York, and Texas give you a bank that is local without being tiny. It offers checking, money markets, savings, CDs, loans, and leases in one shop. That makes leaving annoying, because you move your cash, credit, and account setup at the same time.
How they make money
$1.8B
annual revenue · their business grew +305.2% last year
total revenue
$1.8B
+305.2%
The products that matter
business loans and credit
Commercial lending
9.6% loan growth
This is the engine right now. Loan growth of 9.6% is doing a lot of work for a bank earning a 3.06% spread. If growth cools, the low multiple stops looking like a bargain and starts looking like a warning.
growth driver
consumer deposits and loans
Consumer banking
$35B asset base
This supports the funding side of a $35B-asset bank. That matters more when deposit competition is real and your margin is not doing you any favors.
funding base
digital banking and treasury tools
BankUnited Lynx
table stakes, not the thesis
Here’s the thing: for a bank like BKU, digital tools are not a premium story. They are the minimum needed to keep commercial clients from wandering off. Useful, yes. Differentiating, not obviously.
client retention
Key numbers
$3.6B
long-term debt
That is the bill sitting behind the bank. It is larger than the $3B market cap.
2.9%
dividend yield
You get paid while you wait. That matters when the stock is not cheap on earnings.
13.3x
trailing p/e
Trailing p/e → price divided by last year's profit → so what: you are paying a normal bank price, not a bargain-bin one.
1.5
beta
Beta → how wild the stock moves versus the market → so what: BKU tends to swing 50% more than a plain index fund.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 35 / 100
- long-term debt $3.6B (54% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BKU right now.
source: institutional data · return history unavailable
What just happened
missed estimates
BankUnited posted $442M of revenue and $0.90 of EPS in the latest quarter.
Revenue fell 5% from a year ago. EPS slipped 1% vs. prior year. That is not a collapse. It is a bank running in second gear.
$442M
revenue
$0.90
eps
n/a
n/a
latest quarter revenue
Revenue was the tell. $442M was down 5% vs. prior year, which matters more than a tiny EPS dip.
source: company earnings report, 2026
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What could go wrong
BKU does not need a crisis to disappoint you. It needs one of three ordinary banking problems: tighter spreads, slower loan growth, or worse credit behavior than the market expected.
high
margin compression
BKU reported a 3.06% net interest margin. That is fine, not fat. If deposit costs rise or lending spreads tighten, earnings feel it quickly because the starting spread is not giving you much cushion.
A few lost basis points matter more when the spread starts near 3%
high
loan growth slowdown
Loan growth of 9.6% is carrying a lot of the story. If commercial demand cools or underwriting tightens, the bank loses the easiest way it has to offset a merely okay spread.
This is the difference between a decent value setup and a stock that just looks cheap for longer
med
earnings volatility
Earnings predictability is 55 / 100. In human-speak, this is not one of the cleaner banking stories. Quarterly surprises cut both ways, and the market usually pays a lower multiple for that uncertainty.
Lower visibility keeps valuation discipline tighter
med
balance-sheet flexibility
Long-term debt is $3.6B, or 54% of capital. That is manageable. It is also not the profile of a bank that gets to shrug off stress in funding markets or a sudden credit wobble.
More debt means less room for mistakes if conditions get worse
The quiet part: a bank with a 3.06% margin, 55 / 100 predictability, and $3.6B of long-term debt does not need much to go wrong before the stock looks correctly priced rather than cheap.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest margin
3.06% is the number to watch. If it drifts below 3%, the stock probably deserves to stay cheap. If it firms up while loan growth holds, the story gets more interesting fast.
calendar
q1 2026 earnings report
Expected april 27, 2026. Analysts forecast EPS of $0.83–$0.93 on about $278M revenue. You care most about the spread, loan growth, and any funding-cost commentary.
risk
competition for loans and deposits
Private credit and larger banks are pressing on the same spread. If BKU has to pay up for deposits or price loans more aggressively, the math gets worse before it gets better.
trend
new CFO execution
James G. Mackey took the CFO seat in november 2025. The next few quarters should tell you whether capital discipline and balance-sheet messaging improve or whether this still reads like a middle-of-the-pack regional bank.
Analyst rankings
earnings predictability
55 / 100
in human-speak, analysts do not see this as a particularly clean or steady earnings story.
balance sheet
B
Good enough to run the bank. Not strong enough to be the reason you buy the stock.
risk rank
3
Middle-of-the-pack risk. Not a bunker stock, not a grenade.
source: institutional data
Institutional activity
institutional ownership data for BKU is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$47
current price
n/a
target midpoint · n/a from current
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